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COMPARE SAVINGS ACCOUNTS
Watch your money grow
Give your savings the opportunity to grow through several ways to earn dividends
Compare different ways to save money
SavingsEarn dividends on your balance with stable, predictable returns. $50 minimum daily balance required to earn dividends. |
Money Market AccountEarn a rate that adjusts to market conditions. $5,000 minimum daily balance required to earn dividends. |
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|---|---|---|
| Best for | Members who want stable returns and easy access to their money | Members who want a rate that adjusts based on market conditions |
| Minimum balance to open* | No requirement | No requirement |
| Monthly fee | None | None |
| More Details | More Details |
| Best for |
| Minimum balance to open* |
| Monthly fee |
SavingsEarn dividends on your balance with stable, predictable returns. $50 minimum daily balance required to earn dividends. |
|---|
| Best for |
| Members who want stable returns and easy access to their money |
| Minimum balance to open* |
| No requirement |
| Monthly fee |
| None |
| More Details |
Money Market AccountEarn a rate that adjusts to market conditions. $5,000 minimum daily balance required to earn dividends. |
|---|
| Best for |
| Members who want a rate that adjusts based on market conditions |
| Minimum balance to open* |
| No requirement |
| Monthly fee |
| None |
| More Details |
More ways to save money
Ways to save money: savings account features
Convenient access
Use any of the 55,000+ surcharge free ATMs in your network. If you also have a Global Credit Union checking account, you can use your Visa® Debit Card for both your checking and savings accounts.
As part of the CO-OP Shared Branch Network® you can visit a branch to access your accounts at thousands of locations across the U.S.
Shared branch locations offer a range of services that may include:
- Deposits, withdrawals, and transfers.
- Loan payments.
- Visa cash advances, check withdrawals, and money orders.
- Notary services.
Overdraft protection
Want the flexibility to go over your balance if you need to? Ask for overdraft protection to take funds from your Savings, Money Market, credit line, or home equity line of credit4.
If you need to use your overdraft protection, there is one low fee charged at the end of the day—rather than for each individual transaction.
Even more benefits
Use your Savings account to secure a pledge of shares loan or to start building credit with a Global Credit Union Secured Visa® Platinum Credit Card.
Automate your saving by setting up automatic deposits from another account.
Talk to a real person through the 24/7 Member Service Center—even on holidays.
Global Credit Union app
Secure, convenient, and available 24/7/365
- View your account balances and recent transactions
- Transfer money between your accounts, or send to family and friends
- Deposit checks and make payments
- Turn your Global Credit Union Debit and Credit Cards on or off, and more
Download the Global app for iPhone or Android today!
Savings Account FAQs
Visit any branch or apply online at globalcu.org. Membership is open to anyone who lives, works, worships, or attends school in the areas we serve.
Both accounts are federally insured, carry no monthly fee, and require no minimum balance to open.
A savings account earns a stable, predictable dividend rate — the right fit if you want consistent returns and easy access to your money. A Money Market account earns a rate that adjusts based on market conditions, so your dividends can increase when rates rise. Both require a minimum daily balance to earn dividends: $50 for a Global Credit Union Savings account, $5,000 for a Global Credit Union Money Market account.
If your idle cash regularly stays above $5,000 and you want to earn more, the Money Market is the stronger choice. If you prefer simplicity and flexibility, a Savings account delivers reliable returns without the higher balance requirement.
A standard savings account is a strong fit for short-term goals like a vacation fund. There’s no monthly fee, no minimum to open, and your money stays accessible. Set up automatic deposits from your paycheck to build toward your goal on a schedule.
If your balance is likely to stay above $5,000, a Global Credit Union Money Market account can earn a higher, market-adjusted rate while keeping your funds accessible.
Either way, your deposits are federally insured up to $250,000 by the NCUA.
Yes, if you are enrolled in online banking, you can receive eStatements instead of paper statements in the mail. You can also sign up to receive an e-mail reminder when your new eStatement is ready.
To sign up for eStatements:
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- Log in to your account
- Click the Account Services tab
- Click Request eStatements
- Review and accept the Electronic Statements and Notices Disclosure Agreement
There’s no maintenance fee for a Global Credit Union savings account.
We calculate dividends daily and credit them to your account every quarter. You earn dividends on your savings from the date of deposit to the date of withdrawal. You must have a minimum balance of $50 to earn dividends.
No, there’s no limit to the number of withdrawals you can make. To access your account, you can:
- Use any of the 55,000+ surcharge free ATMs in our network
- Transfer money through Online & Mobile Banking
- Visit one of our Global Credit Union branches or one of the many locations in the CO-OP Shared Branch Network®
Yes, all Global Credit Union savings accounts are federally insured up to $250,000 by the NCUA, an agency of the U.S. government. This includes accounts for individuals, businesses, organizations, associations, and public units.
To find out more, or to use the NCUA’s Share Insurance Estimator, please visit MyCreditUnion.gov.
Visit MyCreditUnion.govYou can change your savings account type once per dividend period. Visit any branch or call the Member Service Center at 800-525-9094. Note that account types do not change automatically based on your balance — you’ll need to request the switch.
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Whether it’s in a branch or over the phone, you’ll talk to a real person.
The applicable minimum daily balance is required to obtain the stated Annual Percentage Yield (APY).
4A Latitude checking account is required to sign up for overdraft protection.
You may change your savings account type, one time per dividend period by visiting any branch or by calling the Member Service Center at 800-525-9094. Please note that the type of account does not automatically change based upon the account balance
For complete account information, refer to the Share Account Disclosure Statement. You will also receive one at the time an account is opened.
*$50 minimum daily balance required to earn dividends (Savings) and $5,000 minimum daily balance required to earn dividends (Money Market).