Personal Savings Accounts

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Savings Resource Center | Personal Savings Accounts

As a member-owned financial institution, Greater Cleveland Community Credit Union’s goal is to pay our owner-members the highest savings rates possible and charge the lowest fees possible, and all of our interest bearing accounts pay monthly interest to help you reach your savings goals faster.

Regular Savings Account

This account is where your required $5.00 ownership investment will be deposited and stored for as long as you choose to be a member. Your $5.00 investment is returned upon leaving the credit union. The Regular Savings pays monthly interest on balances of $5.00 and greater, has no account fees, and provides the convenience of an ATM Card and access to 5,000+ CO-OP Shared Branches throughout the U.S. and Cuyahoga County.

2nd Savings Account

This account helps you keep your savings goals money separate. It pays monthly interest on balances of $0.01 and greater, has no account fees and is accessible at 5,000+ CO-OP Shared Branches throughout the U.S. and Cuyahoga County.

Money Market Account

This hybrid account is both a savings and a checking account that pays monthly interest with a rate higher than our Savings and Club Accounts. Plus, you get the convenience of our Free OneClick online bill payment service, our No Fee MasterCard Debit Card, paper checks and access to 5,000+ CO-OP Shared Branches throughout the U.S. and Cuyahoga County. The minimum balance to open and earn interest is $1,500.00.

Club Accounts

Our Christmas and Vacation Club Accounts take the stress out of Christmas and put the fun in your vacation. Club Accounts pay monthly interest on balances of $0.01 and greater. Using Direct Deposit or automatic transfers into your Club Accounts will make your money grow. Your annual access to your money is November 1st for the Christmas Club and June 1st for the Vacation Club.

Basic Checking/Transaction Account

Our NO minimum balance checking account lets you take care of business the way you want, by choosing the account features you want:

Free Online and Mobile Banking
  • Check your balances
  • Transfer money between your credit union accounts.
  • Make your credit union loan payments.
  • Access your Available Over-Draft Protection Line of Credit Loan Funds

No Fee OneClick Online Bill Payment Service
  • Pay any business or person.
  • Email money to anyone.
  • Electronically transfer your credit union money to your accounts at other financial institutions.

Over-Draft Protection Line of Credit Loan with Every Account
  • Receive $300.00 line with Direct Deposit
  • Receive $100.00 line without Direct Deposit
  • Builds your credit with monthly credit bureau reporting.

No Fee MasterCard Debit Card

No Cost Access to 5,000+ CO-OP Shared Branches in the U.S. and Cuyahoga County

ATM Access via the Star and Alliance One Networks

Utilize Paper Checks

Money Market Account

This hybrid account is both a savings and a checking account that pays monthly interest with a rate higher than our Savings and Club Accounts. Plus, you get the convenience of our Free OneClick online bill payment service, our No Fee MasterCard Debit Card, paper checks and access to 5,000+ CO-OP Shared Branches throughout the U.S. and Cuyahoga County. The minimum balance to open and earn interest is $1,500.00.

NexChance Checking Account

In Chex Systems, no problem. NexChance Checking allows you to re-establish a checking account. The required $100.00 Regular Savings Account deposit hold will be released after 1 year if no more than 6 Non-Sufficient Fund transactions are incurred. Plus, you can choose from the following account features:

Free Online and Mobile Banking
  • Check your balances.
  • Transfer money between your credit union accounts.
  • Make your credit union loan payments.
  • Access your Available Over-Draft Protection Line of Credit Loan Funds

No Fee OneClick Online Bill Payment Service
  • Pay any business or person.
  • Email money to anyone.
  • Electronically transfer your credit union money to your accounts at other financial institutions.

Over-Draft Protection Line of Credit Loan with Every Account
  • Receive $300.00 line with Direct Deposit
  • Receive $100.00 line without Direct Deposit
  • Builds your credit with monthly credit bureau reporting.

No Fee MasterCard Debit Card

No Cost Access to 5,000+ CO-OP Shared Branches in the U.S. and Cuyahoga County

ATM Access via the Star and Alliance One Networks

Utilize Paper Checks

Certificates of Deposit (CDs)

Greater Cleveland’s goal is to pay the highest CD rates possible, and our terms help you ladder your CD maturities to meet your needs. Plus, our long-term CDs (3, 4 and 5 year CDs) have Bump Options that empower you to “Bump Up” your existing CD rate to the Credit Union’s current CD rates, at no cost or penalty to you.

Individual Retirement Account (IRA) Options

Greater Cleveland offers both the Traditional (Tax Deferred) and Roth (Tax Free) IRA options, and we Do Not charge any IRA account or service fees. Your IRA investment choices include the flexibility and Direct Deposit capabilities of an IRA Savings Account or the fixed-term high interest rates of IRA Certificates of Deposit (CDs).

IRA Savings Account

With an account opening balance of just $100.00, you can start saving for retirement today. We pay monthly interest on balances of $100.00 and more and charge NO account or service fees.

IRA Certificates of Deposit (CDs)

Greater Cleveland’s goal is to pay the highest CD rates possible, and our terms help you ladder your IRA CD maturities to meet your needs. Plus, our long-term IRA CDs (3, 4 and 5 year CDs) have Bump Options that empower you to “Bump Up” your existing IRA CD rate to the Credit Union’s current IRA CD rates, at no cost or penalty to you.
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CONTACT US:
(216) 664-2217
The GCCCU is a non-profit, member owned financial cooperative, offering all the products and services available at most banks with lower fees and higher savings rates!

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