Holiday Closure Notice Gallup FCU will be closed on the following days this holiday season:
Happy holidays and best wishes for a prosperous New Year!
About Your Membership
A membership at Gallup FCU gives you more than just a bank account. We care about the person behind the account, and we want to see you achieve financial success — no matter how you measure it!
How to Become a Member
Gallup FCU membership is open to all full- and part-time Gallup employees and their immediate family members. Your membership can continue even if you move, change employment or retire — once a member, always a member.
Simply click the button below to start your application by filling in some personal details.
Sit back and relax while we check your application. We’ll get back to you within 24 hours.
Enjoy the perks of your new Gallup FCU account.
Membership Benefits
Membership is open to all full- and part-time Gallup employees and their immediate family members. Your membership can continue even if you move, change employment or retire — once a member, always a member.
Shared Branch and ATM Locator
A branch or ATM is always within reach, even when you're out of town.
Co-Op Shared Branching
Anywhere you see the Co-Op Shared Branch logo, you'll find an office where you can conduct your credit union business. There are more than 5,000 shared branch locations, and that number continues to grow! Click here for a full list of shared branching locations. We've partnered with credit unions nationwide, enabling you to make account withdrawals and deposits at any credit union in the country. Just have your account information handy.
ATM Locator
You have access to 30,000 surcharge-free ATMs across the nation. Look for these ATM logos:
To find a surcharge-free ATM, view the Co-Op Surcharge-Free ATM Network or ATM Locator (allianceone.coop).
Money Manager
Aggregate all your accounts, track spending, create budgets and more.
Great Rates
Our not-for-profit status allows us to offer higher dividends on savings accounts, lower interest rates on loans and low fees.
Get Your Money Sooner
Payday comes early — direct deposit with Gallup FCU allows you to receive your paycheck as soon as your employer releases it (up to three days in advance).
Fee Waiver Benefit
Enjoy a special bundle of no-fee banking services!
Gallup FCU's Fee Waiver Benefit
Gallup employees get a special bundle of no-fee banking services by setting up a company payroll direct deposit into an existing personal Gallup FCU checking account.
Please note: Fee waivers apply only to eligible Gallup FCU accounts receiving all or a portion of Gallup's direct deposit.
| Checking Fees | Standard Fees |
|---|---|
| NSF Transaction (paid or returned) | $30 |
| Check Card NSF Transaction | $30 |
| ACH NSF Transaction | $30 |
| Wire Transfer | $20 |
| Overdraft Transfer From Savings | $5 per transfer (incremental transfers of $500) |
| Cashier's Check Fee | $5 |
| Check Copy Fee | $2 per check |
| Duplicate Statement Copy | $2 per statement period |
| Deposited Item Return | $20 per item |
| Shared Branching Usage Fee | $2 per transaction after the first four |
| In-Network ATM Usage Fee | $2 per transaction after the first four |
| Stop Payment | $20 |
| Card Replacement | $10 per card |
Fees After Waivers Applied1
$0
1Fee waivers apply only on checking accounts receiving a minimum of $1,000/monthly on Gallup's direct deposit.
Membership FAQs
Take a look at our most frequently asked membership questions below.
Still have questions? Let us know how we can help.