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Products

Savings

In order to establish membership - and save money - new members begin their relationship with CGFCU by opening a savings account. Establish membership and put your savings to work for you.

  • Savings account balances can be used as collateral for loans or overdraft protection for checking accounts.
  • Accounts benefit from competitive interest rates.
  • Members receive quarterly statements (monthly when combined with a CGFCU checking account).
Rates
Share Accounts Dividend Rate APY
Dividend on Shares as declared on 9/30/2013 0.05% 0.05%

Multiple Savings Calculators
How long will it take to become a millionaire?
How long until I reach my savings goal?
How much should I save for college?
How can I save for a big ticket item?
How much will my CD be worth at maturity?
How do taxes and inflation affect my savings?

Clubs

Join one of CGFCU Savings Clubs to simplify savings and increase your rewards.

Holiday Club - Save for holiday expenses, from shopping to travel.

  • Earn interest regardless of your account balance.
  • Funds are automatically transferred to your savings account on October 15th each year.*

* There is a $5 fee for early withdrawals.

Vacation Club - Start planning for that much-needed vacation while your money accumulates automatically.

  • Earn interest regardless of your account balance.
  • Funds are quickly and easily accessible at any time.
  • No term requirement.

Visit the credit union or call us today to setup a Holiday or Vacation Club Account - FREE OF CHARGE!

Youth and Young Adults Accounts

Scottie Savers Club (Ages Birth-11)
Learn about banking while you save for something special.
To open a Scottie Savers Club account, deposit $5 in your new account.

View the Scottie Saver's Club page for kids aged 3-6
View the Scottie Savers Club page for kids aged 7-11

Stash the Cash Youth Club (Ages 12-17)
Want to save some money but you're starting to outgrow your piggy bank? Then this club is for you!
Members are eligible to attend special events, win special prizes and enter contests.

Click Here for more fun with finances.

Young Adult Club (Ages 18-25)
Now that you are earning your own money, learn how to manage it by opening your own CGFCU accounts.
With a parent co-signer, you can open a checking account that includes a Visa® Debit card.

Click Here for financial management tips.

Checking

Checking Accounts with a difference!!

  • They're FREE!
  • No minimum balance is required ($0.00 and above).
  • Write unlimited checks.
  • Obtain your first 12 temporary checks for free.
  • Receive a regular monthly statement.
  • Apply for Optional Overdraft Line of Credit Loan. Click here to apply
  • Make deposits through payroll deduction, at our office, in our night deposit box or through the mail.
  • Enjoy easy access to your accounts through ATMs and free FlexTeller Online Banking.
  • Access your funds with a Visa® Debit Card.

Visa® Debit Card

  • Use like a check, but without the hassle. It's a plastic version of your checkbook.
  • Access cash at any ATM.
  • Charges are automatically deducted from your account.
  • Accepted everywhere Visa® is accepted.
  • To apply, contact the credit union for a copy of our member application.

Making the switch to CGFCU?  Click here to get started!

Need to Order new Checks?  Click here to order

Share Certificates

CGFCU provides federally-insured Share Certificates as a solid alternative to volatile investments. With terms from 12 months to five years, our Share Certificates can help you reach any savings goals that you have set for yourself.

  • Share Certificates are easy to establish with a minimum deposit of $1000.00.
  • Rates of return are guaranteed for the term.
  • There are no maintenance fees*.
  • Share Certificates can be used as collateral for low-interest loans throughout the length of the certificate.
Rates
Share Certificate Rates *APR APY
12 Months 0.10% 0.100%
24 Months 0.20% 0.20%
36 Months 0.35% 0.351%
48 Months 0.40% 0.401%
60 Months 0.50% 0.501%

Rates accurate as of 5/1/2013.

If a withdrawal of principal of your share certificate account is made prior to the maturity date of the certificate, the early withdrawal penalty is as follows:

  • If the share certificate account term is 12 months or less:
    oall accrued dividends for the last 90 days
  • If the share certificate account term is 18 months and greater:
    oall accrued dividends for the last 180 days

*Rates are subject to change without prior notice

IRAs

Although we each have different dreams about the way we'd like to spend our retirement, we all share the desire to live comfortably and do the things we love. Starting to save early is the key to building a retirement that you can enjoy.

An IRA is a powerful retirement savings tool. CGFCU offers many IRA services to match your unique needs.

  • IRA Share accounts are the most flexible and liquid forms of IRA. Minimum deposit required is $100.00
  • IRA Share Certificates offer higher rates of return and allow you to choose the terms. IRA Share Certificates are available for Traditional, Roth or Coverdell IRAs. Minimum deposit required is $1,000.00.
Rates
IRA Share Certificate *APR APY
12 Months 0.10% 0.100%
24 Months 0.20% 0.20%
36 Months 0.35% 0.351%
48 Months 0.40% 0.401%
60 Months 0.50% 0.501%

Rates accurate as of 5/1/2013.

If a withdrawal of principal of your IRA account is made prior to the maturity date of the certificate, the early withdrawal penalty is as follows:

  • If the IRA term is 12 months or less:
    all accrued dividends for the last 90 days
  • If the IRA term is 18 months and greater:
    all accrued dividends for the last 180 days

Open your own CGFCU IRA with a minimum deposit of $100 to the IRA Share account or $1000 to the IRA Share Certificate. Stop in to one of our branches to apply.

*Rates are subject to change without prior notice

Money Markets

CGFCU Money Market accounts allow you to earn higher dividends without being locked into a term. With no deposit limits and the allowance of three check withdrawals per month, your funds are completely accessible.

  • Benefit from competitive dividends.
  • Money Market Accounts are easy to establish with a minimum balance of $2,500.00.
  • Funds can be used as collateral for low-interest loans.
Rates
Money Market Accounts *APR APY
$2,500 - $9,999.99 0.08% 0.080%
$10,000 - $24,999.99 0.09% 0.090%
$25,000 - $49,999.99 0.10% 0.100%
$50,000 - UP 0.11% 0.110%

Rates accurate as of 5/1/2013.

  • Up to six (6) preauthorized, automatic or telephone transfers may be made in any month
  • Allowance for three (3) check withdrawals per month (included in the six transactions listed above)
  • Excess withdrawal fee is $1.00 per occurrence
  • Minimum balance of $2,500.00 required to open account and earn interest rate
  • A service charge of $1.50 per month will be assessed in any month balance falls below $2,500.00

*Rates are subject to change without prior notice.

Insurance

Columbia Greene Federal Credit Union is committed to providing comprehensive services to our members. In addition to our financial services, we offer a range of products to our members.

  • Accidental Death and Dismemberment Insurance.
  • Automobile and Homeowners Insurance.
  • Term, Universal, Variable Universal and Whole Life Insurance.
  • Credit Life and Disability Insurance.
  • Guaranteed Asset Protection (GAP).

Insurance products are not insured by the National Credit Union Share Insurance Fund (NCUSIF), are not a CGFCU deposit, might lose value, and have no credit union guarantee.

Debit Cards

CGFCU VISA® DEBIT CARD

  • Use like a check, but without the hassle.
  • Access cash at any ATM.
  • Charges are automatically deducted from your account.
  • Accepted everywhere Visa® is accepted. Apply for your Visa® Debit Card today!
    To apply, contact the credit union for a copy of our member application or
    Click Here to access the Debit Card Application.
  • Report card lost/stolen 1-800-682-6075 or www.reportmycards.com
  • Activate card 1-800-411-6390 or www.activatemycards.com
  • To select PIN 1-877-746-6746

VISA® Consumer Credit Card

What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that’s right for you!

Visa® Bonus Rewards Card

Visa® Bonus Rewards Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that’s equivalent to 1.25 points) on all points earned every month, automatically1
  • $25 cash back with your first purchase
Visa® Platinum Card

Visa® Platinum Card

  • Our BEST introductory offer
  • Save on interest and pay down your other credit card balances faster
College Rewards Visa® Card

College Rewards Visa® Card

  • Great rates and manageable credit lines
  • Earn 1 reward point for every net $1 you spend on purchases

1 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

VISA® Business Credit Card

Our Visa Business credit cards come with a variety of important features including award - winning expense management tools, free employee cards, and added security benefits.

Visa® Business Bonus Rewards Card

Visa® Business Bonus Rewards Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that’s equivalent to 1.25 points) on all points earned every month, automatically 1
  • $25 cash back with your first purchase
Visa® Business Bonus Rewards PLUS Card

Visa® Business Bonus Rewards PLUS Card

  • Earn 1 point for every net $1 you spend, plus get a 50% BONUS (that’s equivalent to 1.5 points) on all points earned every month, automatically 2
  • $50 cash back after your first purchase
  • Low annual fee
Visa® Business Platinum Card

Visa® Business Platinum Card

  • Our BEST introductory offer
  • Save on interest and pay down your other credit card balances faster

1 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)

2 The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50 points)

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

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