
Join the Generations United FCU community and access the benefits of our checking and savings account offerings.
Included with your Enrollment into a Generations United Savings Account
- A Generations United Debit Card
- Access to 30,000+ ATMs
- Surcharge-Free Access to a Shared Branch Network
- Digital Banking with Mobile Deposits
- Identity Theft Protection (free enrollment required)
- $5.00 Minimum Account Balance
Included with your Enrollment into a Generations United Essential Checking Account
The above benefits, plus:
- No Monthly Service Fee
- Online check ordering

Enjoy the added convenience of banking anywhere, 24/7, by downloading our mobile app. With our mobile app you can take advantage of the following features:
- Check your account balances
- Open a checking or savings account
- Purchase a certificate of deposit
- Apply for a credit card or personal loan
- Transfer money between accounts
- Pay your bills
- Deposit checks using the remote deposit feature
- Sending money to friends
- Enroll in the Debit Card Round Up program and donate to select UCC charities
You can find our mobile app in the Google/Android Store or Apple Store.

Opening a Christmas Club account with Generations United FCU is an easy way to set aside money throughout the year for holiday shopping. At the end of November, we will automatically send the full balance of your Club savings to the GUFCU account of your choice so you can start checking off your gift list.
By establishing a direct deposit to your Christmas Club or establishing regular transfers from your GUFCU checking account you avoid the temptation to overspend and can manage your holiday spending.

A balance transfer credit card from Generations United FCU helps you to save money on interest charges and allows you to pay down your outstanding credit card debt quicker.
We offer the following interest rate/term options:
- 0.00% interest for 12 months with a balance transfer fee of 3.0% on the transfer amount, or
- 5.00% interest for 24 months with a balance transfer fee of 3.0% on the transfer amount
These options allow you to determine which interest rate, and which term works best for you.
Choose your preferred option and start your journey on the road to financial recovery today!

Purchasing a Certificate with Generations United Federal Credit Union can help to protect you from the changes in interest rates. With a Certificate, you can start to build an emergency fund or increase your savings with a minimum deposit of $100 and our flexible term lengths from 3 to 18 months.
Term Length | Rate | APY | Minimum Deposit |
---|---|---|---|
3-month | 3.30% | 3.35% | $100.00 |
6-month | 3.50% | 3.56% | $100.00 |
9-month | 3.60% | 3.66% | $100.00 |
12-month | 3.75% | 3.82% | $100.00 |
18-month | 3.85% | 3.92% | $100.00 |
Use our online or mobile app, select the certificate with the current annual percentage yield (APY) that works best for you and fund the purchase of your certificate from your checking or savings account.

Generations United FCU offers a credit card up to a $10,000 lending limit with no annual fee. The annual percentage rate for the credit card is based on your credit score and they range from 11.00% to 18.00%.
Included with your Generations United Federal Credit Union Credit Card
- 24/7 access to stateside member representatives
- No foreign transaction fees
- Ability to freeze and unfreeze your card
- Zero Liability policy for unauthorized transactions
- Fraud Notifications
- Ability to monitor your credit score
- Identity Theft Protection (enrollment required)

At Generations United Federal Credit Union our commitment to the next generation of the UCC begins with providing the financial building block of a savings account.
Once established, young members can access our educational courses in our Financial Wellness Center to learn the basics of finance and banking.
Later in life the Youth Savings account enables them to receive their first credit card (a share secure credit card) that lays the foundation to establishing good credit.

Work with the Generations United FCU team to Secure the Money You Need.
A Loan from Generations United Federal Credit Union can help you in many ways:
- consolidating debt
- financing home improvements
- covering unexpected expenses
- reducing student loan debt
We offer 36-month or 48-month loans up to $10,000 with your interest rate dependent on your credit score. Our rates range from 7.25% and are capped at 15.50%
Members can use our convenient online/mobile banking app to apply for a loan. In online/mobile banking, select the New Accounts link, then See Available Loans. Choose your loan, Apply Now, and fill out the required fields.

Get access to your paycheck earlier by working with your employer to establish direct deposit for all or a portion of your pay into your Generations United checking or savings account.
OR
Establish a direct deposit to a Generations United FCU Christmas Club and help manage your Christmas and holiday spending.

Once you open a savings account with Generations United FCU, you can register for “My Credit Manager” through our Online Banking / Mobile Banking app. This offering is available to all Generations United Federal Credit Union members and provides the following services:
- A Summary Credit Score through Experian.
- A Credit Report where you see a summary of your accounts that impact your credit score.
- A list of “score factors” that help you understand what has the largest effect in determining your credit score.
- A score scenario that provides examples of what impacts your credit score.
- A debt analysis section.
- Identity Theft Protection.
We hope you enroll in this program as our goal is to help you improve your credit score as you bank with us. A better credit score opens the door to lower lending rates (mortgage rates, credit card rates, and student loans), lower insurance premiums, and affordable housing opportunities.

After you open a checking or savings account with Generations United FCU, you can contact our Member Service team (email info@gufcu.org or call us at 646 422-7275) and request a debit card.
Generations United FCU offers surcharge free ATM access at over 30,000 ATMs. You can find free ATMs in your area by selecting the ATM Locator link on our website (gufcu.org) or selecting the Find a Branch/ATM link on the mobile app. Simply put in your zip code and find the nearest ATM.