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Guardian First Federal Credit Union offers numerous services to meet your financial needs. Whether you're purchasing a new car, planning a vacation, or consolidating your debt, we're here to help. Our rates are competitive, and if convenience is what you need, G1FCU has a number of services available for our members. Any credit union member whose home credit union is a part of the shared branching network may perform these transactions. This means (for our members) you can go to any shared branch location and conduct business. This means (for other credit union members) they can come into G1FCU and conduct business.
To take advantage of this service, when you enter a shared branch you only need to bring:
Notary Services
Need something Notarized? G1FCU offers free Notary Services to its members. Stop into the Credit Union with the documents you need notarized along with two forms of ID, and we'll be happy to notarize for you at no charge. LOANS A fundamental part of the credit union difference is our ability to return surplus earnings back to you in the form of lower rates on loans. That's how we can offer a full range of loans at better rates than what you can typically get at a bank. Personal Loans Based on the amount, you may take up to 60 months to repay at a low, competitive rate. New Vehicle Loans Thinking of buying a new car, truck, van, or SUV? Then look no more. Get a great rate on your new car loan and finance up to 100% of the price. Avoid the hassle of dealing with the dealers' finance departments, and even get pre-approved before you shop. Used Vehicle Loans G1FCU also offers competitive financing for used vehicles. Whether you are buying a pre-owned vehicle from an individual or dealer, we can help you get the terms you need. If you have an existing car loan through another financial institution, we may even be able to meet or beat your current interest rate. Recreational Vehicles Have your eye on a boat, RV, 5th-wheel, or jet ski? If one of these grown-up toys is what you have in mind, G1FCU can help. Finance at a low rate and a flexible term based on your purchase amount. Line of Credit Write yourself a loan with an inexpensive revolving line of credit. Take an advance by writing a check or making a funds transfer by phone or online. Make payments only on the amount you borrow at a low, variable rate. Enjoy the safety of built-in overdraft protection for your checking account. Share/Certificate Secured Borrow against your G1FCU savings or certificate of deposit account. Used as collateral, your account continues to earn interest that will greatly offset the low cost of the loan. Your principal and earnings are intact and available to you at maturity. Credit Builder Loan Just as you might have guessed, it’s a loan that we have designed to help build your credit score. If your credit is a little less than perfect because of limited credit experience, let us help you build it. The Credit Builder Loan is a reverse loan, so to say. You fill out a loan application so we can pull your credit report to see what your credit looks like now. You borrow up to $1000 for up to a year. The funds are not advanced to you at loan origination, but they go into a savings account, and at the end of the loan term, your credit score has climbed, and you receive the loan funds. How many ways can this loan benefit you? 1. The loan helps you build your credit by establishing good payment history on your credit report 2. The loan helps you to build character with the Credit Union; remember, a big factor when we determine loanablity is our confidence in your character to make your loan payments. 3. You will be establishing a short-term savings account. You will pay into the loan, and once the loan term is over, you have a collected amount of funds to do with what you like. Credit Card Debt Eliminator In hopes to help our members reduce their unsecured credit card debt, we have designed The Credit Card Debt Eliminator, and here's how it works: You bring us your high interest rate credit card debt, and we will pay off the credit card at a reduced interest rate. Additionally, if you sign up for our automatic loan payment option, your interest rate could drop by a percent. Payday Loan Line of Credit
It's an alternative to predatory Payday Loans. We’ve told you the interest rate you pay on payday loans from other shops can be anywhere from 100% to 300%, so try this instead: pay a one-time application fee of $35, sign the paperwork once, and have up to $1000 at your disposal when you need it! No loan applications, no credit reports, no questions. Have at least two direct deposits of your net pay into your Guardian First Federal Credit Union checking account, and you are automatically approved for a Payday Loan Line of Credit. The amount you’re approved for will be determined on your net deposit each pay period up to $1000. You pay a one-time application fee, we type up paperwork, you sign it once, and then you’re set with a Payday Loan Line of Credit. If you need an advance, just call in or send us an email. We’ll simply take the amount off of your Payday Loan Line of Credit; sort of like a credit card, but easier and cheaper. No need to worry about making loan payments because the entire loan amount advanced to you between pay periods will be deducted from your checking account on your next payday. ACCOUNTS What do you look for in an account? A competitive rate? Easy access to your money? A plan that helps you keep your savings intact? A combination of all three? Whatever your reasons for saving, you have choices at G1FCU. Check out our current rates here. Share/Savings Your share account establishes your credit union membership. It's an easy way to save. You can open your membership account with $25, and then you can take advantage of all G1FCU services. Dividends are calculated daily and paid quarterly. The minimum deposit required to earn a dividend in any regular shares account is $100. Share Draft/Checking Have you done the math on how much you're paying for checking somewhere else? You may be unpleasantly surprised. Make the switch to free checking at G1FCU today! Our checking account provides all the convenience and value you expect and deserve. Plus, your checking account funds at Guardian First Federal Credit Union are always safe since deposits are federally insured to at least $250,000 by the full faith and credit of the NCUA, a U.S. Government agency. Checking account characteristics
What is Overdraft Protection?
Overdraft Protection acts as a "safety net" to keep you from bouncing checks and incurring fees should you overdraw your checking account. We provide two types of Overdraft Protection: from your regular savings account and from a personal line-of-credit. Savings Overdraft Guardian First Federal Credit Union automatically transfers the necessary funds from your regular savings account to cover clearing checks. Upon opening a checking account, you automatically receive free overdraft protection from your regular savings account. Due to Federal Regulation D, the total number of transfers that can be completed from your regular savings account is limited to six each month. Regulation D transfers include all of the following:
Overdraft Protection Line-of-Credit
This type of overdraft protection is a personal protection loan. If necessary, funds are automatically transferred from the line-of-credit to cover your clearing checks. There is no fee for the service, but an applicable interest rate applies. You must apply and be approved for the Overdraft Protection Line-of-Credit in order for it to become effective. Club Elite Over the age of 50? Embrace that wisdom by taking advantage of special account for members 50 and over. Our Club Elite program includes 100% free checking, a yearly free box of checks, free notary services, and free TravelMoney. Holiday It is never too early to begin saving for the holidays! This is a special type of savings account, which earns a special interest rate, designed for people who like to routinely set aside a fixed amount of money for future holiday purchases. You can begin saving by payroll deduction or regular contribution, and these funds cannot be withdrawn until maturity. On November 1, the entire balance saved in this account is disbursed automatically to you via certified Teller Check. Special Savings Use our special savings account for a variety of savings needs. Some members like to open this separate savings account for specific needs, such as an "emergency fund" or "mad money" for a little extra cash. Business Have a small business? Chances are you need a business account. For your convenience, Guardian First Federal Credit Union offers basic business savings and checking accounts. CDs/IRAs G1FCU offers a variety of competitive certificates of deposit (CDs) and individual retirement accounts (IRAs) to meet your individual investment needs. Your CD and IRA funds at Guardian First Federal Credit Union are always safe since deposits are federally insured to at least $250,000 by the full faith and credit of the NCUA, a U.S. Government agency. Check out the Annual Percentage Rates for all CDs and IRAs on our rates page. CD Characteristics
IRA Characteristics
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