Fee Schedule
| Deposit Account Fees | |
|---|---|
| Savings Account Excessive Withdrawal Fee (More than one per calendar month) | $5.00 |
| Return Check Fee | $25.00 |
| Loan Account Fees | |
|---|---|
| Application Fee | $10.00 |
| Vehicle Title Fee | $18.00 |
| Monthly Service Charges | |
|---|---|
| Direct Deposit Checking | Free |
| Regular Checking | $5.00 |
| Second Chance Checking – $10.00 | $10.00 |
| Account Fees | |
|---|---|
| NSF – Per Item | $25.00 |
| Overdraft Protection Transfer Fee | $5.00 |
| Returned Item Fee | $25.00 |
| ATM Transaction Fee – First three | Free |
| ATM Transaction Fee – After three – per transaction | $1.00 |
| Replacement Debit Card | $10.00 |
| Debit Card PIN Reorder | $5.00 |
| Stop Payment – per item | $25.00 |
| Statement History or Reproduction of Statement – per page | $1.00 |
| Balancing of Account by GPCU Personnel – for first hour | $10.00 |
| Balancing of Account by GPCU Personnel – for each additional hour | $5.00 |
| Creditor Letters | $10.00 |
*Credit Score is used to determine rates.
**Credit Score is used to determine rates and loan amount for unsecured loans.
The Credit Score ranges we use follows:
680 & above Base Rate
650 to 679 Base Rate plus 2.00%
620 to 649 Base Rate plus 4.00%
580 to 619 Base Rate plus 8.00%
540 to 579 Base Rate plus 11.00% – A SCORE OF AT LEAST 540 IS REQUIRED FOR UNSECURED LOANS
500 to 539 Base Rate plus 15.50% – A SCORE OF AT LEAST 500 IS REQUIRED FOR SECURED LOANS
We obtain credit reports for our applicants from Equifax.
All loans are subject to credit approval. Some restrictions may apply.