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Establish Your Credit Union Membership
A Regular Savings Account* is the basic account that all members open to establish
membership with Greater Kentucky Credit Union. As a member you are also an owner,
and this account represents your share in Greater Kentucky Credit Union and entitles you to take advantage of any of our accounts and services. Your account earns competitive quarterly dividends based on the credit union's performance, which are often higher than interest paid elsewhere. We encourage all members to save more which has proven to keep credit union expenses down, which in turn, provides a greater return to the members.
- $50.00 Minimum to open
- No Monthly Service Fees
- Earns Quarterly Dividends on balances greater than $50.00
- FREE CU 24/7 Online Access
- FREE CALL-24 Access
- FREE 24-hour ATM Access at thousands of Alliance One and MoneyPass Networks
- MasterCard Debit Card available for a low fee
A Teen Savings Account* (12 thru 17 years of age) is the perfect account to begin establishing proper money management skills.
- New Account
- Must be joint with a Parent or Legal Guardian
- $10.00 Minimum to open
- No Monthly Service Fees
- Earns Quarterly Dividends on balances greater than $50.00
- FREE CU 24/7 Online Access
- FREE CALL-24 Access
- FREE 24-hour ATM Access at thousands of Alliance One and MoneyPass Networks
- E-Statement Required
- MasterCard Debit Card available for a low fee
A Student Savings Account* (18 thru 21 years of age) is a great way to begin your financial independence and help build your financial future.
- New Account
- $10.00 Minimum to open
- No Monthly Service Fees
- Earns Quarterly Dividends on balances greater than $50.00
- FREE CU 24/7 Online Access
- FREE CALL-24 Access
- FREE 24-hour ATM Access at thousands of Alliance One and MoneyPass Networks
- E-Statement Required
- MasterCard Debit Card available for a low fee
Dividend Information
Dividends are calculated by using the balance at the end of each day. Dividends are accrued daily and credited to the account on the final calendar day of each quarter. Dividends will begin to accrue on the business day you deposit funds, including non-cash items (e.g., checks) to your account.
Minimum Balance Information
A minimum balance of $50.00 is required to open a Regular Share (Savings) account. A daily balance of $50.00 is required to earn dividends.
Transaction Limitation
Regulation D (Reg D), a regulation imposed by the Federal Reserve Board on all financial institutions, sets limits on the number of monthly transfers and withdrawals that can occur for a Savings or Money Market Savings (Investment) account. Therefore, this account is limited to two (2) withdrawals and three (3) transfers per month, including overdraft transfers, electronic transfers, and transactions defined as automated transfers.
Fees and Charges
Please refer to the current Greater Kentucky Credit Union Fee Schedule.
Insurance
Member accounts are federally insured to at least $250,000.00 by the National Credit Union Administration, a U.S. Government agency.
*Some restrictions apply. Refer to Disclosure and Fee Schedule for details.
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