Accounts & Services

Below you’ll find some of our services, custom tailored for you, right here close to home. Let us know what you need; we’re here to help.

Share (Savings) Accounts

A Savings or Share Account comes with your GLFFCU membership.  Just $1.00 to open the account and maintain a $5.00 balance.  No monthly service fee.  Funds may be withdrawn at any time.  Accounts earn dividends.

Create additional Club Accounts to help budget for goals, Christmas/vacation savings or unexpected expenses.  No minimum balance required.
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Share Draft (Checking) Accounts

Our checking  (share draft) accounts have no minimum balance requirement.  No monthly service fee.   Accounts earn dividends.  A free GLFFCU MasterCard Debit card, accepted at millions of merchant and ATM locations is available.  Online and/or mobile account access with free bill pay.  Free automatic transfers.  Unlimited check writing.

Checking accounts for our youth members between the ages of 12-17 are available.  A parent or guardian is required to be joint on the account.  Our youth checking accounts have a free GLFFCU MasterCard Debit card available.  No monthly service fee.  Online and/or mobile account access.

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Moo-Lah’s Kids Club

Teach your child or grandchild the benefits of a savings account early on with a youth savings (share) account.  Kids Club welcomes children ages 0-12 and Student Club for kids ages 13-17!  Just $1.00 to open the account and maintain a $5.00 balance.  There is no monthly service fee.  Get your card stamped starting at a  $5.00 deposit and turn in your full card(s) to receive prizes such as:  gift cards, movie passes or age-appropriate toys on the Moo-Lah Mart Cart.  Your child will have fun picking out something just for them.  It pays to save!

$5-$25 = 1 Stamp

$26-$50 = 2 Stamps

over $50 = 3 Stamps


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Printable budgeting sheets for your little one!

Kids Club Budget

Student Club Budget

Share Certificates

Share Certificates earn dividends at higher rates than savings accounts.  They cannot lose value unless withdrawn before the term’s end.  $1,000 minimum balance to open.  Our Share Certificates have terms from 6 months to 5 years.  Deposits are Federally insured, up to $250,000.

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Audio Teller

No internet access and still want to check on your account?  No problem!  You must call the Credit Union first to enable Audio Teller. Then call 1-833-440-4240

  • Enter your member number.
  • Enter your temporary pin (last four digits of the primary account holders social security number).
  • You will then be prompted to enter a new PIN, enter a new PIN, and press #
  • Confirm your new PIN
  1. Account Inquires
  2. Money Transactions
  3. Rates and Loan Estimates
  4. Change Pin
  5. Login to a Different Account
  6. Other Services
  7. Return to the Previous Menu

Health Savings Accounts

Get a handle on medical expenses with a Health Savings Account from GLFFCU. Make tax-deductible contributions to the account, then use the money in your HSA to pay for qualified medical expenses tax-free.

*Certain eligibility requirements apply. Individuals eligible to make or receive contributions are:

  • not someone else's tax dependent
  • not be entitled to or enrolled in Medicare
  • must be covered by a qualified High Deductible Health Plan (HDHP)
  • must not be covered by any disqualifying coverage

HSA limits for 2024 are as follows: $3,850.00 for single coverage and $7,750.00 for family coverage with an additional "catch-up" contribution up to $1,000 allowed for individuals 55 or older during the year.

For more information, See HSA Brochure or call the credit union at 906-786-4623.


GLFFCU offers IRA’s (Individual Retirement Accounts).  Decide if a Traditional IRA, that may offer tax deductions; or, a Roth IRA, where you can withdraw the earnings tax-free is right for you. See IRA General Information Brochure
See Coverdell ESA Brochure

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The IRS will allow an IRA owner to make only one IRA rollover in any 12-month period, regardless of the number of IRAs owned.  Before 2015, an IRA owner was permitted one rollover per 12-month period for each IRA.  When consolidating your IRA funds, plan accordingly.  The rule does not affect your ability to transfer funds from one IRA trustee directly to another, as this transfer is not considered a rollover.  There are no changes on the number of conversions from Traditional to Roth IRAs.


Traditional IRAs are potentially tax-deferred retirement plans, you don’t pay taxes on your contributions until you withdraw the funds.  There is no age limit on making regular contributions to Traditional or Roth IRA's, as long as you have earned income. 


Yearly Contribution Limits
2022 $6,000 $7,000
2023 $6,500 $7,500


Contribution Deadlines
Current tax year:  December 31, 2023
Prior tax year:  April 15, 2023




With Roth IRA’s, you pay taxes now and withdraw the funds tax-free when you retire.  There is no age limit on making regular contributions to Traditional and Roth IRA's as long as you have earned income.

Yearly Contribution Limits
2022 $6,000 $7,500
2023 $6,500 $7,000
Contribution Deadlines
Current tax year:  December 31, 2023
Prior tax year:  April 15, 2023


Convenient.  Secure.  Puts you in control.  Money comes directly from your checking account.  Accepted at millions of locations worldwide.  Safer than carrying cash.  Easier than writing checks.  Shop online, at stores or over the phone.  Access money for free at thousands of ATM’s within the CO-OP network!




A mobile app that offers debit cardholders a convenient way to manage their card.  MobiMoney enables cardholders to turn their card on or off, receive instant alerts on their mobile device and limit usage based on location, merchant preferences, transaction type, and threshold amounts.  An innovative way for members to help reduce fraudulent transactions themselves. See our Mobile Apps

Direct Deposit

The safest and easiest way to have your paycheck, pension payment, social security check, etc. directly deposited into your account.  Reduces the risk of ID theft or mail fraud.  No more waiting in line to deposit or cash your paycheck.  All you need is our Routing Number and your Account Number.

Online/Mobile Banking

Enjoy secure access to your account anytime, anywhere with our online and mobile banking.  Whenever you are connected to the internet, you are connected to GLFFCU.  A convenient way to manage your funds and offers tools to help you stay on top of your finances.  View your accounts, transfer funds, pay bills, order checks, view your statements, remote deposit and apply for loans or credit cards.  Our mobile banking apps are available for Apple and Android.

Bill Pay

Pay all of your bills in one place!  Our hassle free bill pay is fast, simple and free (as long as you use it once every 30 days).  Bill pay lets you schedule one-time or automatic recurring payments for utilities, cable, rent and more from your online access or our mobile app.  Most leading merchants allow you to pay electronically.   Our mobile banking apps are available for Apple and Android.

Remote Deposit Capture

Tap.  Snap.  Deposit.  A convenient and easy way to deposit checks into your personal account, without having to come to the credit union, using your smartphone.  Just open our app on your smartphone, choose the option to deposit checks and take a picture of the front and back of your check.  It’s that simple!  Our mobile banking apps are available for Apple and Android.


Already view your accounts online?  Don’t need a paper statement mailed to you?  Sign up for e-Statements.  All of your monthly or quarterly statements will be stored as a PDF on your online banking page.   Our mobile banking apps are available for Apple and Android.

Gift Cards

GLFFCU gift cards are perfect for every occasion!  Birthdays, weddings, anniversaries, graduation and more.  With the VISA logo, they are accepted everywhere VISA is accepted.  Amounts range from  $10.00 up to $1,000.00.

Travel Money Cards

VISA Travel Money Cards provide the security of a traveler’s check and the convenience of a VISA card.  A prepaid card, you can spend up to the amount put on the card.  Use in stores, online or at ATM’s worldwide.


Need a loan but unable to make it to the credit union to sign the documents?  With e-sign you can get a loan from anywhere.  Easy and secure, all you need is access to your email via a home computer or mobile device.  Talk to a Loan Officer today

Wire Transfers

Need to send a wire to someone? A wire transfer agreement form must be on file prior to sending any outgoing wire request. Contact the credit union to fill out a form. The credit union only sends out domestic wire requests and they must be received by 4:30 p.m. EST to ensure same day processing (depending on the receiving financial institution).
Looking for a wire to come into your account? Use the following 3 step process to ensure the wired money gets into your account:
1. Receiving institution is: Alloya Corporate Credit Union (located in Southfield MI) and the routing number is: 272 478 075
2. Further credit to: Great Lakes First Federal Credit Union with the account number: 291 172 640.
3. Final credit to: Member Name, Member Account Number and whether it should be posted to the Share (savings) or Share Draft (checking) account. If no indication, money will be posted to the Share (savings) account.
Wire transfer fee is $20.00
Wires processed using incorrect wiring instructions fee $75.00 + $20.00.
Wire transfers can only be sent when the Federal Reserve is open. No wires are available on weekends or holidays.

Other Services

Trust Accounts

Electronic Funds Transfer

Payroll Deduction

Drive In Services

Coverdell Education Savings Accounts (see brochure)

Automatic Loan Payment Transfer

NADA Price Guides

Money Orders

Cashier’s Checks

24 hour Night Depository

Safe Deposit Boxes

U.S. Savings Bond Redemption



Notary Service

Financial Counseling

Birthday and Christmas Gift Money Holders