Pick a card, any card!
Maximizing cash back, paying down balances, and earning rewards just got easier with Visa®
Benefits You’ll Love
- Shop securely, worldwide at millions of merchants and stores
- Enjoy the peace of mind of Zero Fraud Liability*
- Conveniently make purchases without withdrawing cash
- Explore a variety of Visa® credit cards to earn rewards, get cash back, and more
- Convenient and Flexible Purchasing Power
- Accepted at millions of locations worldwide
- Mobile purchaing capability for added convenience
- Zero Fraud Liability* for fradulent purchases made when a card is lost or stolen
- Cardmember Service available 24 hours a day/365 days per year
- Plus much more!
Personal Credit Cards
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EVERYDAY REWARDS+ CARD
Earn up to 4x unlimited points AND receive a $150 bonus
Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 16.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
- 4x unlimited points on dining, take-out & food delivery1
- 2x unlimited points at grocery stores, grocery delivery, gas and electric vehicle charging stations and streaming services
- 1x unlimited points on all other eligible purchases
- Earn 15,000 points when you spend $500 within the first 90 days of account opening.
- Redeem points for Travel, Cash Back and More
- Annual Fee: None See terms & conditions.
PLATINUM CARD
Enjoy the everyday convenience of a credit card while saving on interest with an extended low introductory rate.
Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 18 billing cycles. After that, 14.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
- You could save on interest and pay down your other credit card balances faster
- Get the flexibility to pay in full or pay down over time
- Annual Fee: None See terms & conditions.
MAX CASH PREFFERED CARD
Get more value with up to 5% cash back in 2 categories you choose.
APR for Purchases: 16.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
Intro APR* for Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. After that, 16.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
- 2% unlimited cash back2 on one everyday category of your choice
- 1% unlimited cash back on all other eligible purchases
- $150 bonus reward after you spend $500 within the first 90 days of account opening
- Annual Fee: None See terms & conditions.
COLLEGE REAL REWARDS CARD
Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.4
Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 16.49% to 17.99% based on your creditworthiness when you open your account. Platinum Real Rewards: 16.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
Get 2,500 bonus points
After your first purchase6
Redeem your points for cash back, travel, merchandise or gift cards
Annual Fee: None See terms & conditions.
MAX CASH SECURED CARD
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose.5
APR for Purchases and Balance Transfers: 17.99% This APR will vary with the market based on the Prime Rate. See terms & conditions.
- 2% unlimited cash back5
on one everyday category of your choice - 1% unlimited cash back
on all other eligible purchases - Annual Fee: None See terms & conditions.
SECURED CARD
A card that's perfect for anyone who wants to improve or establish their credit.4
APR for Purchases and Balance Transfers: Secured: 17.99% This APR will vary with the market based on the Prime Rate. See terms & conditions.
- Enjoy the convenience of credit, including the option to carry a balance
- Earn interest on your companion secured savings account
- Annual Fee: None See terms & conditions.
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Business Credit Cards
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BUSINESS CASH PREFERRED CARD
Reward your business and earn up to 3% cash back on eligible net business purchases.
Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 16.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
- Earn 3% cash back on eligible purchases at gas stations, office supply stores, restaurants and more4
- Earn 1% unlimited cash back on all other eligible net purchases
- $25 cash back awarded after your first purchase5
- $100 Annual software credit after 11 consecutive monthly software transactions7
- Annual Fee: None See terms & conditions.
BUSINESS CARD
Save on interest with an extended low introductory rate.
Intro APR* for Purchases and Balance Transfers: Business: 0% introductory APR for the first 18 billing cycles. After that, 14.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
- Save on interest with a great low rate
- Use for large purchases, unexpected expenses or last-minute necessities
- You could save on interest and pay down your other credit card balances faster
- Annual Fee: None See terms & conditions.
SMART BUSINESS REWARDS CARD
More Rewards. Less Rules. No Point Limits. Earn 2x rewards in your top 2 categories.
APR for Purchases and Balance Transfers: 17.99% This APR will vary with the market based on the Prime Rate. See terms & conditions.
- 2x points per $1 spent1
in your top two spend categories each month - Automatically - 1x points monthly per $1 spent
On other eligible purchases - 20,000 bonus rewards points (equal to $200) rewarded when you spend $500 within the first 90 days of account opening2
- Annual Fee: $0 introductory annual fee for the first 12 months, After that $95 for the first year and every year after it will be $95 for Account Owners and $0 for Authorized Employees. See terms & conditions.
BUSINESS REAL REWARDS CARD
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5
Intro APR* for Purchases and Balance Transfers: Business Real Rewards: 0% introductory APR for the first 6 billing cycles. After that, 16.49% to 17.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
- 2,500 bonus rewards points awarded after first purchase5
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)6
Annual Fee: None Gulf Coast Community FCU Business Real Rewards CardSee terms & conditions.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.
Subject to credit approval.
*The introductory rate does not apply to cash advances. For the Max Cash Preferred card, the introductory rate also does not apply to purchases. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. For the Max Cash Preferred card, if you take advantage of this offer, you may not be able to avoid interest on future purchases, even if your offer has a 0% APR. You can avoid interest on purchases if you pay your entire account balance, including any balances you create with this offer, in full by your due date each month.
1 If you're approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance. Everyday Rewards+ Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, within seven business days, as a statement credit to your credit card account within one to two billing cycles or as a Rewards Card ($25 minimum redemption) Points expire five years from the end of the quarter in which they are earned.
2 If you're approved for a new Max Cash Preferred Card, a one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance. Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Spend over the $2,000 quarterly cap/limits for the 5% categories will earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Rewards are earned on eligible net purchases. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, within seven business days, as a statement credit to your credit card account within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active.
3 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
4 Late payments or going over the credit limit may damage your credit history. For the Secured and Max Cash Secured products, your credit limit will be equal to the amount of your security deposit.
5 If you're approved for a new Max Cash Secured Card, cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Spend over the $2,000 quarterly cap/limits for the 5% categories will earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Rewards are earned on eligible net purchases. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, within seven business days, as a statement credit to your credit card account within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active.
6 If you are approved for a new College Real Rewards Card, you will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned. Reward points can be redeemed as a cash deposit to a checking or saving account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchases and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Auto Loans | 5.00 - 16.99% up to 96 mos | Up to 100% of NADA average retail or 100% of selling price, whichever is less. Example: Monthly payments are approximately $43.88 per $1,000 borrowed for 24 months at 5.00% APR. |
Special 5.00%-16.99% APR auto loan rate for up to 96 months applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
Christmas Savings
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$4.99 | 0.00% | 0.00% |
| $5.00+ | 0.05% | 0.05% |
Individual Retirement Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$4.99 | 0.00% | 0.00% |
| $5.00-$2,999.99 | 0.10% | 0.10% |
| $3,000.00-$9,999.99 | 0.15% | 0.15% |
| $10,000.00-$19,999.99 | 0.20% | 0.20% |
| $20,000.00-$49,999.99 | 0.40% | 0.40% |
| $50,000.00-$99,999.99 | 0.40% | 0.40% |
| $100,000.00+ | 0.40% | 0.40% |
Penalty for early withdrawal.
IRA Certificate
| Term | Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Months | $1,000-$20,000.99 | 0.45% | 0.45% |
| 6 Months | $20,001-$50,000.99 | 0.45% | 0.45% |
| 6 Months | $50,001-$99,999.99 | 0.45% | 0.45% |
| 6 Months | $100,000+ | 0.45% | 0.45% |
| 9 Months | $1,000-$20,000.99 | 0.50% | 0.50% |
| 9 Months | $20,001-$50,000.99 | 0.50% | 0.50% |
| 9 Months | $50,001-$99,999.99 | 0.50% | 0.50% |
| 9 Months | $100,000+ | 0.50% | 0.50% |
| 12 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 12 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 12 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 12 Months | $100,000+ | 0.70% | 0.70% |
| 18 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 18 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 18 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 18 Months | $100,000+ | 0.65% | 0.65% |
| 24 Months | $1,000-$20,000.99 | 0.65% | 0.65% |
| 24 Months | $20,001-$50,000.99 | 0.65% | 0.65% |
| 24 Months | $50,001-$99,999.99 | 0.65% | 0.65% |
| 24 Months | $100,000+ | 0.70% | 0.70% |
| 30 Months | $1,000-$20,000.99 | 0.70% | 0.70% |
| 30 Months | $20,001-$50,000.99 | 0.70% | 0.70% |
| 30 Months | $50,001-$99,999.99 | 0.70% | 0.70% |
| 30 Months | $100,000+ | 0.75% | 0.75% |
| 36 Months | $1,000-$20,000.99 | 0.75% | 0.75% |
| 36 Months | $20,001-$50,000.99 | 0.75% | 0.75% |
| 36 Months | $50,001-$99,999.99 | 0.75% | 0.75% |
| 36 Months | $100,000+ | 0.80% | 0.80% |
| 48 Months | $1,000-$20,000.99 | 0.80% | 0.80% |
| 48 Months | $20,001-$50,000.99 | 0.80% | 0.80% |
| 48 Months | $50,001-$99,999.99 | 0.80% | 0.80% |
| 48 Months | $100,000+ | 0.85% | 0.85% |
| 60 Months | $1,000-$20,000.99 | 1.00% | 1.00% |
| 60 Months | $20,001-$50,000.99 | 1.04% | 1.05% |
| 60 Months | $50,001-$99,999.99 | 1.04% | 1.05% |
| 60 Months | $100,000+ | 1.09% | 1.10% |
Early Withdrawal Penalty: After your IRA Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.
Rates are subject to change at renewal.
Kasasa Cash*
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $25,000 | 2.96% | 3.00% |
| $25,000+ | 0.25% | 3.00 to 0.80% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
To earn your rewards, simply do the following activities and transactions in your free Kasasa® checking account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) or direct deposit post and settle
Please note that you must enroll in and receive eStatements to have this account.
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit card not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning with the last business day of the prior calendar month and ending with the day before the last business day of the current calendar month. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all its banking functions or for processing.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Saturday, the previous Friday is not a Business Day. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Statement Cycles coincide with each calendar month.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
Kasasa Cash: average daily balances up to and including $25,000 receive an APY of 3.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's average daily balance.
Kasasa Cash Back: you will receive 2.50% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $5 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Saver: average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 1.50% and average daily balances over $25,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $25,000 resulting in a range from 1.50% to 0.42% APY depending on the account's average daily balance.
You will receive reimbursements up to $2.00 per transaction and up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY.
Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.05% APY.
Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current calendar month.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
APY = Annual Percentage Yield.
APYs accurate as of 2/1/2023.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
- Membership restrictions may apply.
- Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
- $100 minimum deposit is required to open the account.
- Monthly eStatement is a condition of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).
- Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.
- Limit of 1 account per Social Security Number.
- There are no recurring monthly maintenance charges or fees to open or close this account.
- This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
- A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.
- A linked Kasasa Saver account is required for automatic savings.
- Advertised information and rewards are based on all account qualifications being met during each cycle period.
- Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
- Federally insured by NCUA
Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Saver‡
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $25,000 | 1.49% | 1.50% |
| $25,000+ | 0.15% | 1.50 to 0.42% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
To earn your rewards, simply do the following activities and transactions in your free Kasasa® checking account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) or direct deposit post and settle
Please note that you must enroll in and receive eStatements to have this account.
‡Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit card not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning with the last business day of the prior calendar month and ending with the day before the last business day of the current calendar month. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all its banking functions or for processing.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Saturday, the previous Friday is not a Business Day. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Statement Cycles coincide with each calendar month.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
Kasasa Cash: average daily balances up to and including $25,000 receive an APY of 3.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's average daily balance.
Kasasa Cash Back: you will receive 2.50% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $5 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Saver: average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 1.50% and average daily balances over $25,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $25,000 resulting in a range from 1.50% to 0.42% APY depending on the account's average daily balance.
You will receive reimbursements up to $2.00 per transaction and up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY.
Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.05% APY.
Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current calendar month.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
APY = Annual Percentage Yield.
APYs accurate as of 2/1/2023.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
- Membership restrictions may apply.
- Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
- $100 minimum deposit is required to open the account.
- Monthly eStatement is a condition of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).
- Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.
- Limit of 1 account per Social Security Number.
- There are no recurring monthly maintenance charges or fees to open or close this account.
- This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
- A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.
- A linked Kasasa Saver account is required for automatic savings.
- Advertised information and rewards are based on all account qualifications being met during each cycle period.
- Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
- Federally insured by NCUA
Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Money Market Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$499.99 | 0.00% | 0.00% |
| $500.00-$2,499.99 | 0.05% | 0.05% |
| $2,500.00-$9,999.99 | 0.10% | 0.10% |
| $10,000.00-$19,999.99 | 0.10% | 0.10% |
| $20,000.00-$49,999.99 | 0.10% | 0.10% |
| $50,000.00-$99,999.99 | 0.10% | 0.10% |
| $100,000.00+ | 0.10% | 0.10% |
Mortgage Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Mortgage Loans | Call your Credit Union for current information. | ||
| Home Equity Line of Credit Variable-Rate |
7.00 - 14.00% | Call your Credit Union for current information. Example: Monthly payments are approximately $8.93 per $1,000 borrowed for 180 months at 7.00% APR. Minimum payment of $100.00 per month. |
Actual Home Equity Line of Credit Annual Percentage Rate (APR) may vary and will range between the Prime Lending Rate as published in the Wall Street Journal and the Prime Lending Rate Plus 6.00%. Actual rates are based on prior credit performance and ability to repay. For example, the rates as of 11/03/2022 ranges from 7.00% APR to 14.00% APR. Rates are subject to change and may be adjusted based on Wall Street Journal Prime Rate, not to exceed 16.00% APR or fall below 4.00% APR or maximum increase of 6.00% during life of loan. The minimum APR charged will be based on the type of HELOC extended (second-position loans will not fall below 4.50%). Finance charges begin to accrue on the date you obtain the advance. Minimum HELOC amount $10,000, Maximum $300,000. Credit Line must be secured by primary residence, excluding mobile homes. Acceptable properties only in Harrison, Hancock, Jackson, Pearl River and Stone Counties. Appropriate property insurance required. All or a portion of your interest may be tax deductible; consult your tax advisor regarding deductibility of interest. Loan document fee may apply. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. Your deposits are insured by the National Credit Union Administration. An Equal Housing Opportunity Lender. |
| Home Equity Loan | 7.38 - 13.88% | Call your Credit Union for current information. Example: Monthly payments are approximately $9.14 per $1,000 borrowed for 180 months at 7.38% APR. |
Actual Home Equity Loan Annual Percentage Rate (APR) as of 9/26/2022 ranges from 7.38% APR to 13.88% APR for amortizations up to 20 years based on prior credit performance, ability to repay, position of lien and balloon payment options selected. Minimum Home Equity Loan amount $10,000, maximum of the current Fannie Mae limit. Acceptable properties only in Harrison, Hancock, Jackson, Pearl River and Stone Counties. Appropriate property insurance required. All or a portion of your interest may be tax deductible; consult your tax advisor regarding deductibility of interest. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. Your deposits are insured by the National Credit Union Administration. An Equal Housing Opportunity Lender. |
| Mobile Homes with Land | Call your Credit Union for current information. |
Personal Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Personal Loan | 10.20 - 16.99% | $50,000 Maximum Loan. Terms based on 12 mo. per $1,000 borrowed, 84 months maximum. Example: Monthly payments are approximately $88.00 per $1,000 borrowed for 12 months at 10.20%. |
Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Loans above $35,000 may be financed for 120 months with a 5 year balloon payment. Maximum line of credit may vary based on prior credit performance and income level. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Collateralized Personal Loan | 5.00 - 16.99% | Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $43.88 per $1,000 borrowed for 24 months at 5.00% APR. |
Rates, terms and conditions are subject to change without notice. Terms based on age of collateral and may vary based on mileage or condition. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Maximum line of credit may vary based on prior credit performance and income level. Applies to new loans only with GCCFCU or refinances from another lender. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Short Term Small Amount Loan | 28% | Minimum amount $200 & maximum amount $1,000. Terms based on 1-6 months per $1,000 borrowed. Example: Monthly payments are approximately $172.99 per $1,000 borrowed for 6 months at 28%. |
Rates, terms and conditions are subject to change without notice. Credit eligibility required. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Share Pledge Loan | 2% above rate earned on share account | 100% of amount in share account is maximum loan. Terms based on 12 months per $1,000 borrowed up to 120 months amortization with 36 month balloon. | Rates, terms and conditions are subject to change without notice. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Certificate Loan | 2% above rate earned on Certificate | 100% of Certificate amount is maximum amount loaned. 2 methods of payments: Option 1: Term based on 12 months per $1,000 borrowed up to 120 months amortization with loan to balloon on Certificate maturity date. Option 2: Single pay note with loan maturing on Certificate maturity date. |
Rates, terms and conditions are subject to change without notice. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Credit Rebuilder Loan | 18% | Terms based on 12 months or less per $1,000 borrowed. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%. |
Credit report pulled for informational purposes only as application will not be denied based on credit history. Loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. Rates, terms and conditions are subject to change without notice. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Freedom Fast Loan | 18% | Minimum amount $300 & maximum amount $1,500.Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%. |
Rates, terms and conditions are subject to change without notice. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Borrow and Save Loan | 18% | Minimum amount $300 & maximum amount $2,500.Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%. |
Credit report pulled for informational purposes only as application will not be denied based on credit history. 50% of the loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. The other 50% will be released to the member at time of closing. Rates, terms and conditions are subject to change without notice. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
Recreational Vehicle Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Boats/Motors/Trailers, Motor Homes, Travel Trailers, Campers, Fifth Wheels | 6.00 - 16.99% up to 84 mos | 80-90% of NADA average retail or 80-90% of selling price, whichever is less. Example: Monthly payments are approximately $44.32 per $1,000 borrowed for 24 months at 6.00% APR. |
Rates, terms and conditions are subject to change without notice. Terms based on age of collateral and may vary based on mileage or condition. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Applies to new loans only with GCCFCU or refinances from another lender. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. *Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
Regular Savings Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$499.99 | 0.00% | 0.00% |
| $500.00-$2,499.99 | 0.05% | 0.05% |
| $2,500.00-$19,999.99 | 0.05% | 0.05% |
| $20,000.00-$49,999.99 | 0.05% | 0.05% |
| $50,000.00+ | 0.05% | 0.05% |
Rewards Money Market Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$499.99 | 0.00% | 0.00% |
| $500.00-$2,499.99 | 0.05% | 0.05% |
| $2,500.00-$9,999.99 | 0.10% | 0.10% |
| $10,000.00-$19,999.99 | 0.10% | 0.10% |
| $20,000.00-$49,999.99 | 0.35% | 0.35% |
| $50,000.00-$99,999.99 | 0.40% | 0.40% |
| $100,000.00-$249,999.99 | 0.40% | 0.40% |
| $250,000.00+ | 0.40% | 0.40% |
Share Certificate
| Term | Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Months | $1,000-$20,000.99 | 0.45% | 0.45% |
| 6 Months | $20,001-$50,000.99 | 0.45% | 0.45% |
| 6 Months | $50,001-$99,999.99 | 0.45% | 0.45% |
| 6 Months | $100,000+ | 0.45% | 0.45% |
| 9 Months | $1,000-$20,000.99 | 0.50% | 0.50% |
| 9 Months | $20,001-$50,000.99 | 0.50% | 0.50% |
| 9 Months | $50,001-$99,999.99 | 0.50% | 0.50% |
| 9 Months | $100,000+ | 0.50% | 0.50% |
| 12 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 12 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 12 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 12 Months | $100,000+ | 0.70% | 0.70% |
| 18 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 18 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 18 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 18 Months | $100,000+ | 0.65% | 0.65% |
| 24 Months | $1,000-$20,000.99 | 0.65% | 0.65% |
| 24 Months | $20,001-$50,000.99 | 0.65% | 0.65% |
| 24 Months | $50,001-$99,999.99 | 0.65% | 0.65% |
| 24 Months | $100,000+ | 0.70% | 0.70% |
| 30 Months | $1,000-$20,000.99 | 0.70% | 0.70% |
| 30 Months | $20,001-$50,000.99 | 0.70% | 0.70% |
| 30 Months | $50,001-$99,999.99 | 0.70% | 0.70% |
| 30 Months | $100,000+ | 0.75% | 0.75% |
| 36 Months | $1,000-$20,000.99 | 0.75% | 0.75% |
| 36 Months | $20,001-$50,000.99 | 0.75% | 0.75% |
| 36 Months | $50,001-$99,999.99 | 0.75% | 0.75% |
| 36 Months | $100,000+ | 0.80% | 0.80% |
| 48 Months | $1,000-$20,000.99 | 0.80% | 0.80% |
| 48 Months | $20,001-$50,000.99 | 0.80% | 0.80% |
| 48 Months | $50,001-$99,999.99 | 0.80% | 0.80% |
| 48 Months | $100,000+ | 0.85% | 0.85% |
| 60 Months | $1,000-$20,000.99 | 1.00% | 1.00% |
| 60 Months | $20,001-$50,000.99 | 1.04% | 1.05% |
| 60 Months | $50,001-$99,999.99 | 1.04% | 1.05% |
| 60 Months | $100,000+ | 1.09% | 1.10% |
Early Withdrawal Penalty: After your Term Share Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.
Rates are subject to change at renewal.
SPECIAL RATE - Share Certificate and IRA Certificate
| Term | Balance | Dividend Rate | APY |
|---|---|---|---|
| 12 Months - Special | $1,000+ | 4.17% | 4.25% |
Early Withdrawal Penalty: After your Term Share Certificate or IRA Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.
Rates are subject to change at renewal.
This special rate is available for a limited time.
Wealth Builder IRA Savings Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0+ | 0.25% | 0.25% |
Wealth Builder Savings Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0+ | 0.25% | 0.25% |