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SHARE SAVINGS
The share savings account is your Credit Union's basic savings account, which is available in both individual and joint form. When you join the Credit Union, your initial $5.00 deposit buys you a share, which makes you a member/owner of the Credit Union. You must keep $5.00 in the account at all times to remain a member. Click Here for Rates
SHARE CERTIFICATES
These are certificates members can purchase that provide a fixed dividend rate for the entire term of the certificate. The certificates are available in terms of six (6) months to forty-eight (48) months. The minimum deposit required for a certificate is $1,000.00. Eighteen month IRA certificates are also available. Click Here for Rates
SAVINGS & INVESTMENT RESOURCES Great Lakes First Federal Credit Union now offers online Savings & Investment Resources for our members. You will find educational articles, helpful links, financial calculators and more!
INDIVIDUAL RETIREMENT ACCOUNTS ( Regular, Roth, Educational )
Our Individual Retirement Accounts are an excellent way to save for retirement or education. Taxes on the account earnings are deferred until after the account is drawn on. IRA contributions may be tax deductible, contact your tax advisors to find out if you qualify for this deduction. Click Here for Rates
SHARE DRAFT
You will like the convenience and value of a share draft (checking) account at Great Lakes First Federal Credit Union. Our share draft (checking) account offers: Click Here for Rates
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No minimum balance requirements |
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No per check charges or transaction fees |
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No monthly service charges |
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Earns dividends |
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Instant carbonless check copies |
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Easy to reconcile monthly statement |
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Convenient ATM card access |
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Senior/Retirees receive free checks |
For qualifying members, we also offer the MasterCard Debit Card. You can access your share draft account worldwide without checks. See the Credit Union for details.
YOUTH CLUB
Any member 12 years old or younger qualifies for our Great Lakes Super Savers Youth Club. Great Lakes Super Savers benefits include: Click Here for Rates
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Quarterly newsletter |
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Stickers in their statements |
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Seasonal giveaways |
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Seasonal contests |
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Grab bag gifts for three consecutive monthly deposits |
Additional resources are available to out younger members at our Young Investors Resource. Learn more about your money from articles, links and games!
CHRISTMAS CLUBS
A great way to save for the annual expense of Christmas is the Christmas Club Account. Since you do not withdraw funds from your account during the year, the balance grows steadily. We then transfer the funds to your share savings account on September 30th of each year, in plenty of time for Christmas shopping. Click Here for Rates
CLUB ACCOUNTS
Club accounts can be used for many different things. The most popular being vacations or taxes. They may be opened at any time during the year and deposits can be in any amount. Click Here for Rates
PAYROLL DEDUCTION
With payroll deduction, you can authorize your employer to send any portion of your paycheck directly to your Credit Union accounts every payday. This can be a convenient way to save or pay back loans automatically. Check with your employer to see if they participate.
DIRECT DEPOSIT
One of the safest ways to deposit funds in the Credit Union is direct deposit. Direct Deposit of your payroll, pension checks, social security checks, VA benefits, or child support payments, is one of the most convenient services offered by your Credit Union. Some direct deposit authorization forms may be picked up at the Credit Union, others will be available through your employer or provider.
AUTO REPAIR PLANS
Auto Care extended mechanical repair plans are available at the Credit Union. These plans can apply to either new or used cars. Eligibility for used cars is determined by the year and mileage of the vehicle. Inquire about details at the Credit Union Loan Department.
One of the Credit Union's primary functions is to provide affordable credit to its membership. We offer many types of loans at competitive rates of interest. Great Lakes First Federal Credit Union's loans include:
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New and Used Auto Loans |
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Home Improvement Loans |
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Boat and RV Loans |
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Motor Home Loans |
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Motorcycle Loans |
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Vacation Loans |
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Consolidation Loans |
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First and Second Mortgage Loans |
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Revolving Credit / Signature Loans |
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Student Loan Applications |
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Share / Share Certificate Pledged Loans |
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Mobile Home Loans |
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One Payment Notes |
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Seasonal Loan Specials |
There are no penalties for paying a loan off early or paying more than your monthly payment. When you need credit, think of your Credit Union first! Click Here for Rates
LOAN & CREDIT MANAGEMENT RESOURCES Check out GLFFCU’s Loan Management Resources to for great information, educational articles, and valuable hints to keep your credit in tip-top shape!
VISA CREDIT CARDS
A Great Lakes First Federal Credit Union VISA credit card provides its members with everything they are looking for in a credit card. These benefits include:
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No Annual Fee |
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25 Day Grace Period |
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Worldwide Acceptance |
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Cash Advance Convenience |
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No Cash Advance Fee |
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Low Fixed Interest Rate - 12.9% APR |
VISA 800.828.3901
Click here for VISA Application
CREDIT DISCLOSURE |
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ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES |
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CLASSIC |
PLATINUM |
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12.9% |
8.9% |
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OTHER APRs |
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CLASSIC |
PLATINUM |
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Balance Transfers APR: |
Balance Transfers APR: |
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MINIMUM FINANCE CHARGE
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ANNUAL MEMBERSHIP FEE |
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CLASSIC |
PLATINUM |
CLASSIC |
PLATINUM |
NONE |
NONE |
NONE |
NONE |
GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES |
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CLASSIC |
PLATINUM |
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25 Days |
25 Days |
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LATE PAYMENT FEE |
OVER THE LIMIT FEE |
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CLASSIC |
PLATINUM |
CLASSIC |
PLATINUM |
$25.00 |
$15.00 |
NONE |
NONE |
INTERNATIONAL TRANSACTION FEE 1% of foreign transaction |
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METHOD OF COMPUTING THE BALANCE FOR PURCHASES |
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Average Daily Balance including new purchases |
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You'll enjoy the 24-hour convenience of an ATM card from Great Lakes First
Federal Credit Union. For your convenience we
have no-surcharge ATM machines in both our Escanaba and Gladstone locations.
With your ATM card you'll be able to 
perform
transactions at ATMs across the nation and worldwide. Our ATM cards are
accepted wherever you see these ATM network logos:
MCUL No-Surcharge ATM Search Engine
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ATM/DEBIT 800.991.4965
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Money Orders | |
Drive In Services |
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Traveler's Checks | |
24-Hour Depository |
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Notary Service | |
Wire Transfers |
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Student Loan Applications | |
Photocopies |
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Used Auto NADA prices | |
Cashier Checks |
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Safety Deposit Boxes | |
Gift Checks |
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U.S. Savings Bonds | |
Electronic Funds Transfer |
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Fax Machine | |
Federal Tax Deposit |
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CUNA Mutual Insurance Services | |
Financial Counseling |
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Stamps | |
Loan Protection Insurance* |
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Land Contract Escrow Service | |
Automatic Loan Payment Transfer |
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Deposit by Mail Packets | |
Discount to Great America / WI Dells |
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Electronic Coin Sorting | |
Phone Transfers |
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RV NADA Prices | |
Audio Phone Service |
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Home Banking |
*Loan Protection Insurance is not insured by NCUA and is not required as a condition of any loan, pursuant to the "Consumer Protection for Sales of Insurance."
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Copyright©, Great Lakes First FCU, 2000
Duplication of information found within this site, is prohibited without express written permission from Great Lakes First FCU. Any modification or redistribution of the material within is a violation of applicable copyright laws. Information is subject to change without notice. Additional restrictions may apply.
Great Lakes First FCU
2110 Third Avenue North
Escanaba, MI 49829
Phone (906) 786 - 4623
Fax (906) 786 - 6724
