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CREDIT UNION SAVINGS ACCOUNT
The first step in your savings journey
An easy way to save and earn dividends with as little as $50
A steady rate of return
Our credit union savings account offers a secure, reliable way to meet your financial goals.
- Earn dividends from the date of deposit to the date of withdrawal.3
- Dividends are calculated daily and paid quarterly. No maintenance fee.
- Set up a recurring direct deposit from your paycheck to make saving easy.
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!
Why Choose a Credit Union Savings Account?
Is it better to get a savings account with a credit union? For many people, yes. Credit unions are member-owned and not-for-profit, so earnings come back to you through lower fees and higher dividends—not to shareholders. You get the same federal deposit insurance as a bank (up to $250,000 through the NCUA), typically with fewer fees attached.
See how fast your savings can grow with our Savings Goal Calculator.
Credit Union Savings Account FAQs
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.govYes, 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 email reminder when your new eStatement is ready.
To sign up for eStatements:
- Log in to your account.
- Click the Account Services tab.
- Click Request eStatements.
- Review and accept the Electronic Statements and Notices Disclosure and Agreement.
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.
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Whether it’s in a branch or over the phone, you’ll talk to a real person.
*$50 minimum daily balance required to earn dividends
1Rates are subject to change at any time for any reason. See our rates page for full details.
2The annual percentage yield is the prospective yield that Global CU anticipates paying for the applicable dividend period. Yields may change after an account is opened.
3The 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.
For complete account information, refer to the Share Account Disclosure Statement. You will also receive one at the time an account is opened.