One solution, double the defense
Keep personal and financial information protected with comprehensive and affordable fraud protection.
Benefits You’ll Love
- Identity protection and restoration solution for members
- 24-hour protection services to keep you safe
- Receive real-time alerts of suspicious activity
- Access a full-service, credit and identity protection suite
- Comprehensive identity protection and restoration solution*
- Employs around-the-clock monitoring for fraudulent activity
- Immediately alerts you to any suspicious activity
- Quick, hands-on process of restoring your information should fraud occur
- Full suite of offerings, including:
- 24/7 credit monitoring
- Annual credit reports
- Monthly credit score and tracker
- Dark web monitoring
- Lost wallet protection
- Identity restoration
- Coverage from every angle provides peace of mind
- Funds directly deducted from your checking every month — no credit card needed!
- Exclusive pricing for all Kasasa® checking account holders — $7.99 per month!
- All other checking account holders — $10.99 per month
- Not locked into a contract; no time commitment necessary
Activate Kasasa Protect in Minutes
Upon enrollment, Kasasa Protect starts working immediately. However, be sure to log in and verify your identity so that you can get the most value out of this service. Just check your email for your activation link or visit secure.kasasaprotect.com.
Service Details
Add Kasasa Protect to receive around-the-clock coverage from every angle:
24/7 Credit Monitoring
Get around-the-clock notices about important changes in your credit report, including:
- Loan data
- Inquiries
- New accounts
- Judgments
- Liens
- And more
- The fastest and simplest way to guard against fraudulent activity
Credit Reporting
- Receive full access to annual credit report from Experian
- Provides deep insight into your credit record
- Helps you proactively manage your financial health and monitor your identity
Monthly Credit Score & Tracker
- Regular review of your credit score, helping you stay on top of your credit
- Avoid the cost of pulling full credit reports
- View trends over time and find out exactly what's moving your number
Dark Web Monitoring
- Allows you to keep close tabs on your identity online
- Scans millions of international sources in real time
- Quickly spots stolen data that could identify you, such as a social security number or medical identification numbers
Lost Wallet Protection
- In the event of a lost or stolen wallet:
- One convenient point of contact handles cancellation and replacement of all your important documents
- Restoration through your agent includes: your cards, licenses, social security cards, insurance cards, passports, military IDs, and even traveler's checks
Identity Restoration
- Helpful advice and resolution services provided the instant fraud occurs
- Certified specialists file, dispute, and resolve issues with your credit or other vital records, including:
- Filing fraud alerts
- Placing credit freezes at different bureaus
- Notifying authorities
Gulf Coast Community Federal Credit Union offers Kasasa Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to your Kasasa Cash®, Cash Back®, or Choice account. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services ('opt-in"), (b) charges a separate monthly fee and (c) can be cancelled at any time.
Kasasa Protect: Identity Fraud Protection And Restoration Services:
"Kasasa Protect: Identity Fraud Protection And Restoration Services" collectively includes the following comprehensive services (collectively "Services"):
(1) Credit Services: (a) Reports: an annual credit report from Experian; (b) Scores: a monthly credit score from Experian; and (c) Plotter: a visual twelve (12)-month history of the consumer's monthly credit scores from Experian.
(2) Monitoring Services: (a) Public Records: Monitors name, address & Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms & black market web sites for personally identifiable information including social security numbers; phone numbers; email addresses; bank account and routing numbers; credit and debit cards; and medical identification numbers; (c) Credit Bureau: monitors for and will provide an email if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer's Experian credit file; Credit monitoring occurs only on the credit file associated with the purchasing consumer, and does not monitor, compare or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus.
3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services: Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft.
Terms & Conditions:
Kasasa Protect services are provided by CSID, a part of Experian Information Solutions, Inc. ("Experian"). There are two (2) Kasasa Protect terms and conditions, one governing the program's Services and the other governing the program's online portal, which you must agree to:
(1) Services: Terms & conditions can be retrieved at a Gulf Coast Community Federal Credit Union branch location
(2) Portal: Terms & conditions can be retrieved online by using the following link: https://secure.kasasaprotect.com. ("Portal")
Fees:
Kasasa Protect services are provided for a monthly fee of $10.99, or $7.99 if you are a Kasasa accountholder. Kasasa Protect is available to a secondary accountholder listed on a joint account for an additional monthly fee of $7.99. Fee(s) will be automatically debited from your account on the third (3rd) of each month. Fee(s) begin on the third (3rd) of the month following your enrollment date and will end one (1) day after Gulf Coast Community Federal Credit Union has processed your cancellation request.
Changes & Modifications:
Kasasa Protect's Services, fees, and providers are variable and may change with proper notification from our Credit Union or Kasasa, Ltd. Changes in terms, conditions, services, fees and / or providers, if any, will be posted on the Kasasa Protect site located at https://secure.kasasaprotect.com. We encourage you to refer to this site on a regular basis for Services information.
Requirements:
To utilize Kasasa Protect you must: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, and (3) register and maintain your unique email address (joint accountholders must each provide unique email addresses for this service) via the Kasasa Protect online portal.
Enrollment:
To receive Kasasa Protect's Services, you must (1) agree to the Kasasa Protect Services' Terms & Conditions and (2) establish the Services' monthly billing and (3) provide an accurate email address. Upon completing these three activities you will be enrolled in the program. ("Enrollment"). The date upon which these activities are completed will be your enrollment date ("Enrollment Date").
Verification:
Within one (1) business day after Enrollment, Kasasa Protect will provide you with an email that includes a link to https://secure.kasasaprotect.com and your subscriber number. After entering your subscriber number, you must verify your personal information. You agree to provide accurate, current and complete information about yourself. You agree to not misrepresent your identity. You also agree to maintain and update this information, including your email address on a regular basis to ensure its accuracy. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated. ("Verification").
Portal Alerts & Notifications:
Upon verifying your personal information and agreeing to the terms and conditions associated with the Kasasa Protect portal, you will be able to receive alerts and notifications through the portal. Email notifications will be sent to the email address you maintain at https://secure.kasasaprotect.com. You understand, acknowledge, and agree that in order to receive the full complement of Services, including receiving Services' alerts and notifications via the Kasasa Protect portal, you must first verify your identity and register and maintain your email address at: https://secure.kasasaprotect.com.
Availability of Services:
All items under these three (3) comprehensive services are available to you as identified below.
(1) Credit Services: After verification, you will be able to view all items listed under Credit Services, including credit information and alert details via the portal.
(2) Monitoring Services: All items listed under Monitoring Services will begin upon Enrollment. Viewing of Monitoring Services alerts is available upon Verification.
(3) Restoration Services: All items under Resolution Services are available upon Enrollment.
Cancellation:
You may cancel your Services at any time by notifying your financial institution of your decision to cancel. Written notices should be sent to Gulf Coast Community Federal Credit Union, 12364 Highway 49, Gulfport, MS 39503. Verbal requests should be directed to 228-539-7029. Cancellations may take one (1) or more business days to process. When cancelling, your then current month's fee will not be reimbursed or prorated. The Services' monthly fee will not be charged for the following month after a cancellation request has been processed by your financial institution.
Closure of Checking Account:
Should your checking account be closed by you or Gulf Coast Community Federal Credit Union, any add-on products / services associated with that account, including Kasasa Protect, will also be terminated at the same time. Your then current month's account and/or Kasasa Protect fees will not be reimbursed or prorated. The monthly fee(s) will not be charged for the month following termination.
Legal Notices:
(1) Federal Notice. Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. (2) Gulf Coast Community Federal Credit Union Notice: Gulf Coast Community Federal Credit Union shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services including any liability for damages, direct or indirect, consequential or incidental. Kasasa Cash, Kasasa Cash Back, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. CSID and Experian are registered trademarks of Experian Information Solutions, Inc.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Auto Loans | 5.50 - 16.99% up to 96 mos | Up to 100% of NADA average retail or 100% of selling price, whichever is less. Example: Monthly payments are approximately $44.10 per $1,000 borrowed for 24 months at 5.50% APR. |
Special 5.50%-16.99% APR auto loan rate for up to 96 months applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
Christmas Savings
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$4.99 | 0.00% | 0.00% |
| $5.00+ | 0.05% | 0.05% |
Individual Retirement Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$4.99 | 0.00% | 0.00% |
| $5.00-$2,999.99 | 0.10% | 0.10% |
| $3,000.00-$9,999.99 | 0.15% | 0.15% |
| $10,000.00-$19,999.99 | 0.20% | 0.20% |
| $20,000.00-$49,999.99 | 0.40% | 0.40% |
| $50,000.00-$99,999.99 | 0.40% | 0.40% |
| $100,000.00+ | 0.40% | 0.40% |
Penalty for early withdrawal.
IRA Certificate
| Term | Balance | Dividend Rate | APY |
|---|---|---|---|
| 12 Month Special | $1,000+ | 4.169% | 4.25% |
| 6 Months | $1,000-$20,000.99 | 0.45% | 0.45% |
| 6 Months | $20,001-$50,000.99 | 0.45% | 0.45% |
| 6 Months | $50,001-$99,999.99 | 0.45% | 0.45% |
| 6 Months | $100,000+ | 0.45% | 0.45% |
| 9 Months | $1,000-$20,000.99 | 0.50% | 0.50% |
| 9 Months | $20,001-$50,000.99 | 0.50% | 0.50% |
| 9 Months | $50,001-$99,999.99 | 0.50% | 0.50% |
| 9 Months | $100,000+ | 0.50% | 0.50% |
| 12 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 12 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 12 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 12 Months | $100,000+ | 0.70% | 0.70% |
| 18 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 18 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 18 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 18 Months | $100,000+ | 0.65% | 0.65% |
| 24 Months | $1,000-$20,000.99 | 0.65% | 0.65% |
| 24 Months | $20,001-$50,000.99 | 0.65% | 0.65% |
| 24 Months | $50,001-$99,999.99 | 0.65% | 0.65% |
| 24 Months | $100,000+ | 0.70% | 0.70% |
| 30 Months | $1,000-$20,000.99 | 0.70% | 0.70% |
| 30 Months | $20,001-$50,000.99 | 0.70% | 0.70% |
| 30 Months | $50,001-$99,999.99 | 0.70% | 0.70% |
| 30 Months | $100,000+ | 0.75% | 0.75% |
| 36 Months | $1,000-$20,000.99 | 0.75% | 0.75% |
| 36 Months | $20,001-$50,000.99 | 0.75% | 0.75% |
| 36 Months | $50,001-$99,999.99 | 0.75% | 0.75% |
| 36 Months | $100,000+ | 0.80% | 0.80% |
| 48 Months | $1,000-$20,000.99 | 0.80% | 0.80% |
| 48 Months | $20,001-$50,000.99 | 0.80% | 0.80% |
| 48 Months | $50,001-$99,999.99 | 0.80% | 0.80% |
| 48 Months | $100,000+ | 0.85% | 0.85% |
| 60 Months | $1,000-$20,000.99 | 1.00% | 1.00% |
| 60 Months | $20,001-$50,000.99 | 1.04% | 1.05% |
| 60 Months | $50,001-$99,999.99 | 1.04% | 1.05% |
| 60 Months | $100,000+ | 1.09% | 1.10% |
Early Withdrawal Penalty: After your IRA Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.
Rates are subject to change at renewal.
Kasasa Cash
Level 1
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $25,000 | 2.96% | 3.00% |
| $25,000+ | 0.25% | 3.00 to 0.80% |
| All balances if qualifications not met | 0.05% | 0.05% |
Level 2
| Balance | Dividend Rate | APY |
| 0 - $25,000 | 4.89% | 5.00% |
| $25,000+ | 0.25% | 5.00 to 1.20% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
To earn your rewards, simply do the following activities and transactions in your free Kasasa® checking account each monthly qualification cycle:
Level 1
- Have at least 12 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) or direct deposit post and settle
Level 2
- Have at least 30 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) or direct deposit post and settle
Please note that you must enroll in and receive eStatements to have this account.
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit card not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning with the last business day of the prior calendar month and ending with the day before the last business day of the current calendar month. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all its banking functions or for processing.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Saturday, the previous Friday is not a Business Day. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Statement Cycles coincide with each calendar month.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
Kasasa Cash - Level 1: average daily balances up to and including $25,000 receive an APY of 3.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's average daily balance.
Kasasa Cash - Level 2: average daily balances up to and including $25,000 receive an APY of 5.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 5.00% to 1.20% APY depending on the account's average daily balance.
Kasasa Cash Back: you will receive 2.50% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $5 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Saver: average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 1.50% and average daily balances over $25,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $25,000 resulting in a range from 1.50% to 0.42% APY depending on the account's average daily balance.
You will receive reimbursements up to $2.00 per transaction and up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY.
Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.05% APY.
Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current calendar month.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
APY = Annual Percentage Yield.
APYs accurate as of 2/1/2024.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
- Membership restrictions may apply.
- Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
- $25 minimum deposit is required to open the Kasasa Cash or Kasasa Cash Back account.
- Monthly eStatement is a condition of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).
- Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.
- Limit of 1 account per Social Security Number.
- There are no recurring monthly maintenance charges or fees to open or close this account.
- This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
- A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.
- A linked Kasasa Saver account is required for automatic savings.
- Advertised information and rewards are based on all account qualifications being met during each cycle period.
- Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
- Federally insured by NCUA
Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Saver‡
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $25,000 | 1.49% | 1.50% |
| $25,000+ | 0.15% | 1.50 to 0.42% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
To earn your rewards, simply do the following activities and transactions in your free Kasasa® checking account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) or direct deposit post and settle
Please note that you must enroll in and receive eStatements to have this account.
‡Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit card not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning with the last business day of the prior calendar month and ending with the day before the last business day of the current calendar month. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all its banking functions or for processing.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Saturday, the previous Friday is not a Business Day. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Statement Cycles coincide with each calendar month.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
Kasasa Cash - Level 1: average daily balances up to and including $25,000 receive an APY of 3.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's average daily balance.
Kasasa Cash - Level 2: average daily balances up to and including $25,000 receive an APY of 5.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 5.00% to 1.20% APY depending on the account's average daily balance.
Kasasa Cash Back: you will receive 2.50% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $5 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Saver: average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 1.50% and average daily balances over $25,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $25,000 resulting in a range from 1.50% to 0.42% APY depending on the account's average daily balance.
You will receive reimbursements up to $2.00 per transaction and up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY.
Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.05% APY.
Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current calendar month.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.
APY = Annual Percentage Yield.
APYs accurate as of 2/1/2024.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
- Membership restrictions may apply.
- Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
- A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.
- $25 minimum deposit is required to open Kasasa Cash or Kasasa Cash Back account.
- Monthly eStatement is a condition of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).
- Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.
- Limit of 1 account per Social Security Number.
- There are no recurring monthly maintenance charges or fees to open or close this account.
- This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
- A linked Kasasa Saver account is required for automatic savings.
- Advertised information and rewards are based on all account qualifications being met during each cycle period.
- Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
- Federally insured by NCUA
Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Money Market Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$499.99 | 0.00% | 0.00% |
| $500.00-$2,499.99 | 0.05% | 0.05% |
| $2,500.00-$9,999.99 | 0.10% | 0.10% |
| $10,000.00-$19,999.99 | 0.10% | 0.10% |
| $20,000.00-$49,999.99 | 0.10% | 0.10% |
| $50,000.00-$99,999.99 | 0.10% | 0.10% |
| $100,000.00+ | 0.10% | 0.10% |
Mortgage Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Mortgage Loans | Call your Credit Union for current information. | ||
| Home Equity Line of Credit Variable-Rate |
8.50 - 15.25% | Call your Credit Union for current information. Example: Monthly payments are approximately $9.85 per $1,000 borrowed for 180 months at 8.50% APR. Minimum payment of $100.00 per month. |
Actual Home Equity Line of Credit Annual Percentage Rate (APR) may vary and will range between the Prime Lending Rate as published in the Wall Street Journal and the Prime Lending Rate Plus 6.00%. Actual rates are based on prior credit performance and ability to repay. For example, the rates as of 1/19/2024 range from 8.50% APR to 15.25% APR. Rates are subject to change and may be adjusted based on Wall Street Journal Prime Rate, not to exceed 16.00% APR or fall below 4.00% APR or maximum increase of 6.00% during life of loan. The minimum APR charged will be based on the type of HELOC extended (second-position loans will not fall below 4.50%). Finance charges begin to accrue on the date you obtain the advance. Minimum HELOC amount $10,000, Maximum $300,000. Credit Line must be secured by primary residence, excluding mobile homes. Acceptable properties only in Harrison, Hancock, Jackson, Pearl River and Stone Counties. Appropriate property insurance required. All or a portion of your interest may be tax deductible; consult your tax advisor regarding deductibility of interest. Loan document fee may apply. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. Your deposits are insured by the National Credit Union Administration. An Equal Housing Opportunity Lender. |
| Home Equity Loan | 6.125 - 14.375% | Call your Credit Union for current information. Example: Monthly payments are approximately $8.51 per $1,000 borrowed for 180 months at 6.125% APR. |
Actual Home Equity Loan Annual Percentage Rate (APR) as of 1/19/2024 ranges from 6.125% APR to 14.375% APR for amortizations up to 30 years based on prior credit performance, ability to repay, position of lien and balloon payment options selected. Minimum Home Equity Loan amount $10,000, maximum of the current Fannie Mae limit. Acceptable properties only in Harrison, Hancock, Jackson, Pearl River and Stone Counties. Appropriate property insurance required. All or a portion of your interest may be tax deductible; consult your tax advisor regarding deductibility of interest. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. Your deposits are insured by the National Credit Union Administration. An Equal Housing Opportunity Lender. |
| Mobile Homes with Land | Call your Credit Union for current information. | ||
| Land: Lot or Acreage Loans | Call your Credit Union for current information. |
Personal Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Personal Loan | 10.20 - 16.99% | $50,000 Maximum Loan. Terms based on 12 mo. per $1,000 borrowed, 84 months maximum. Example: Monthly payments are approximately $88.00 per $1,000 borrowed for 12 months at 10.20%. |
Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Loans above $35,000 may be financed for 120 months with a 5 year balloon payment. Maximum line of credit may vary based on prior credit performance and income level. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Collateralized Personal Loan | 5.50 - 16.99% | Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $44.10 per $1,000 borrowed for 24 months at 5.50% APR. |
Rates, terms and conditions are subject to change without notice. Terms based on age of collateral and may vary based on mileage or condition. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Maximum line of credit may vary based on prior credit performance and income level. Applies to new loans only with GCCFCU or refinances from another lender. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Short Term Small Amount Loan | 28% | Minimum amount $200 & maximum amount $1,000. Terms based on 1-6 months per $1,000 borrowed. Example: Monthly payments are approximately $172.99 per $1,000 borrowed for 6 months at 28%. |
Rates, terms and conditions are subject to change without notice. Credit eligibility required. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Share Pledge Loan | 2% above rate earned on share account | 100% of amount in share account is maximum loan. Terms based on 12 months per $1,000 borrowed up to 120 months amortization with 36 month balloon. | Rates, terms and conditions are subject to change without notice. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Certificate Loan | 2% above rate earned on Certificate | 100% of Certificate amount is maximum amount loaned. 2 methods of payments: Option 1: Term based on 12 months per $1,000 borrowed up to 120 months amortization with loan to balloon on Certificate maturity date. Option 2: Single pay note with loan maturing on Certificate maturity date. |
Rates, terms and conditions are subject to change without notice. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Credit Rebuilder Loan | 18% | Terms based on 12 months or less per $1,000 borrowed. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%. |
Credit report pulled for informational purposes only as application will not be denied based on credit history. Loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. Rates, terms and conditions are subject to change without notice. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
| Borrow and Save Loan | 18% | Minimum amount $300 & maximum amount $2,500.Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%. |
Credit report pulled for informational purposes only as application will not be denied based on credit history. 50% of the loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. The other 50% will be released to the member at time of closing. Rates, terms and conditions are subject to change without notice. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
Recreational Vehicle Loans
| Type | APR | Terms & Conditions | Reg Z Disclosures/Rates |
|---|---|---|---|
| Boats/Motors/Trailers, Motor Homes, Travel Trailers, Campers, Fifth Wheels, ATVs, Motorcycles, Personal Watercrafts | 6.50 - 16.99% up to 96 mos | 80-90% of NADA average retail or 80-90% of selling price, whichever is less. Example: Monthly payments are approximately $44.55 per $1,000 borrowed for 24 months at 6.50% APR. |
Rates, terms and conditions are subject to change without notice. Terms based on age of collateral and may vary based on mileage or condition. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Applies to new loans only with GCCFCU or refinances from another lender. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. *Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. |
Regular Savings Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$499.99 | 0.00% | 0.00% |
| $500.00-$2,499.99 | 0.05% | 0.05% |
| $2,500.00-$19,999.99 | 0.05% | 0.05% |
| $20,000.00-$49,999.99 | 0.05% | 0.05% |
| $50,000.00+ | 0.05% | 0.05% |
Rewards Money Market Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$499.99 | 0.00% | 0.00% |
| $500.00-$2,499.99 | 0.05% | 0.05% |
| $2,500.00-$9,999.99 | 0.10% | 0.10% |
| $10,000.00-$19,999.99 | 0.10% | 0.10% |
| $20,000.00-$49,999.99 | 0.35% | 0.35% |
| $50,000.00-$99,999.99 | 0.40% | 0.40% |
| $100,000.00-$249,999.99 | 0.40% | 0.40% |
| $250,000.00+ | 0.40% | 0.40% |
Share Certificate
| Term | Balance | Dividend Rate | APY |
|---|---|---|---|
| 12 Month Special | $1,000+ | 4.169% | 4.25% |
| 6 Months | $1,000-$20,000.99 | 0.45% | 0.45% |
| 6 Months | $20,001-$50,000.99 | 0.45% | 0.45% |
| 6 Months | $50,001-$99,999.99 | 0.45% | 0.45% |
| 6 Months | $100,000+ | 0.45% | 0.45% |
| 9 Months | $1,000-$20,000.99 | 0.50% | 0.50% |
| 9 Months | $20,001-$50,000.99 | 0.50% | 0.50% |
| 9 Months | $50,001-$99,999.99 | 0.50% | 0.50% |
| 9 Months | $100,000+ | 0.50% | 0.50% |
| 12 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 12 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 12 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 12 Months | $100,000+ | 0.70% | 0.70% |
| 18 Months | $1,000-$20,000.99 | 0.60% | 0.60% |
| 18 Months | $20,001-$50,000.99 | 0.60% | 0.60% |
| 18 Months | $50,001-$99,999.99 | 0.60% | 0.60% |
| 18 Months | $100,000+ | 0.65% | 0.65% |
| 24 Months | $1,000-$20,000.99 | 0.65% | 0.65% |
| 24 Months | $20,001-$50,000.99 | 0.65% | 0.65% |
| 24 Months | $50,001-$99,999.99 | 0.65% | 0.65% |
| 24 Months | $100,000+ | 0.70% | 0.70% |
| 30 Months | $1,000-$20,000.99 | 0.70% | 0.70% |
| 30 Months | $20,001-$50,000.99 | 0.70% | 0.70% |
| 30 Months | $50,001-$99,999.99 | 0.70% | 0.70% |
| 30 Months | $100,000+ | 0.75% | 0.75% |
| 36 Months | $1,000-$20,000.99 | 0.75% | 0.75% |
| 36 Months | $20,001-$50,000.99 | 0.75% | 0.75% |
| 36 Months | $50,001-$99,999.99 | 0.75% | 0.75% |
| 36 Months | $100,000+ | 0.80% | 0.80% |
| 48 Months | $1,000-$20,000.99 | 0.80% | 0.80% |
| 48 Months | $20,001-$50,000.99 | 0.80% | 0.80% |
| 48 Months | $50,001-$99,999.99 | 0.80% | 0.80% |
| 48 Months | $100,000+ | 0.85% | 0.85% |
| 60 Months | $1,000-$20,000.99 | 1.00% | 1.00% |
| 60 Months | $20,001-$50,000.99 | 1.04% | 1.05% |
| 60 Months | $50,001-$99,999.99 | 1.04% | 1.05% |
| 60 Months | $100,000+ | 1.09% | 1.10% |
Early Withdrawal Penalty: After your Term Share Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.
Rates are subject to change at renewal.
SPECIAL RATE - Share Certificate and IRA Certificate
| Term | Balance | Dividend Rate | APY |
|---|---|---|---|
| 12 Months - Special | $1,000+ | 4.17% | 4.25% |
Early Withdrawal Penalty: After your Term Share Certificate or IRA Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.
Rates are subject to change at renewal.
This special rate is available for a limited time.
Wealth Builder IRA Savings Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0+ | 0.25% | 0.25% |
Wealth Builder Savings Account
| Balance | Dividend Rate | APY |
|---|---|---|
| $0+ | 0.25% | 0.25% |