(314) 621-4575

(800) 621-4828

Virtual Branch, Cyber Statements and Chat Login

(314) 621-4575

(800) 621-4828


    Savings Accounts

    Our basic savings account is what makes you an owner of the credit union. Open a savings account with a $5 deposit, and earn dividends with a balance of at least $101, which are paid monthly.


    Holiday Savings

    The winter holiday season is always a great time of year – the thrill of finding the perfect gift for family members, celebrating with loved ones and traveling over the river and through the woods to reunite with those we don’t see throughout the year.
    Don’t let being financially unprepared spoil your holiday fun. Gateway Metro Federal Credit Union’s holiday club savings account gives you a way to save all year long for the holidays. We pay interest annually, and you can even set up automatic deposits through Power Pay for added convenience!

    Youth Savings

    It’s never too early to learn good money habits, and Gateway Metro Federal Credit Union is just the place to start saving!

    Clubhouse Crew
    We designed this account for children up to age 12. It’s a great way for our members who are parents or grandparents to start teaching your children and grandchildren about money management – with just a $5 deposit. This interest-earning account also grants access to:

    Starting Line
    This account for teens ages 13 to 17 kicks our savings program up a notch with opportunities to learn about managing a checking account. This interest-earning account requires just a $5 deposit and opens the door to:

    Senior Savings

    Gateway Metro Federal Credit Union’s MAX Advantage account was made for our members age 62 and older who use direct deposit at the credit union. Take advantage of free:

    • Personal checks (shipping not included)
    • Free check copies
    • Official checks, cashier’s checks and money orders (one each per day)
    • Annual luncheon event
    • Three newsletters per year

    • Join or open an account
    • View deposit rates


    Checking Accounts

    E*Hanced Checking
    This checking account is perfect for those who prefer to live a paper-free life! With a minimum balance requirement of just a penny, accountholders can earn 6.02% APY on monthly balances up to $1,500.1 Simply sign up for our free e-package (direct deposit, Cyber Statements and Virtual Branch online banking) and make 15 credit transactions per month with your Gateway Metro Federal debit card. The best part – we don’t charge a penalty if you fall short on transactions! No interest will be earned for that month.

    1APY=Annual Percentage Yield. Rate is subject to change without notice. Terms and conditions apply. Contact GMFCU for complete details.

    Priority Checking
    Gateway Metro Federal Credit Union understands that our members don’t fit into one checking account mold, which is why we offer Priority Checking. Each option features no per-check or monthly fees, so just choose the account that makes the most sense for you:2

    • Priority I - No minimum balance, no interest earned
    • Priority II - $500 minimum balance, interest earned
    • Priority III - $1,500 minimum balance, additional interest earned

    2If your account balance fall below the minimum, we will charge a $15 service fee and no interest will be earned. Contact GMFCU for complete details.

    Visa® Debit Card
    Avoid the hassle of purchasing and carrying checks with our debit card! Accepted everywhere you see the Visa logo, your purchase is taken directly from your checking account balance. And with Debit Card Assurance – our monthly protection plan – Gateway Metro Federal Credit Union has a way to save you from the unexpected expense of replacing your debit card should it ever get lost, stolen, compromised or damaged. You may opt out of Debit Card Assurance, but you are then responsible for the cost of replacing your debit card.

    Account Protection
    Life happens! Gateway Metro Federal Credit Union understands that unexpected overdrafts occur from time to time – our overdraft coverage options can help.

    Service Cost
    Overdraft Protection Link to Another Deposit Account you have at Gateway Metro Federal Credit Union1 $15 fee per transfer
    Overdraft Protection Line of Credit1, 2 Subject to fees + interest
    Courtesy Pay Privilege $28 Courtesy Pay fee per item

    1Call us at (314) 621-4575, email us at memberserv@gmcu.org, or come by a branch to sign up or apply for these services. 2Subject to credit approval.

    Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Gateway Metro Federal Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

    Courtesy Pay Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Courtesy Pay Privilege is still available as secondary coverage if the other protection source is exhausted.

    Transactions Covered With Courtesy Pay Privilege Standard Coverage (No action required) Extended Coverage (Your consent required)*
    ACH – Automatic Debits X X
    Checks X X
    Online Bill Pay Items X X
    Recurring Debit Card Payments X X
    Teller Window Transactions X X
    ATM Transactions X
    Everyday Debit Card Transactions X


    Visa® & American Express® Credit Cards

    Gateway Metro Federal Credit Union offers no-hassle vehicle loans. Applying is fast and easy – whether you want pre-approval before buying or just want to transfer your loan from another lender.

    Visa Signature Bonus Rewards

    • 1.25 rewards points for every net $1 spent
    • No annual fee
    • Cash back, merchandise, travel or gift card rewards

    Visa Signature Bonus Rewards Plus

    • 1.50 rewards points for every net $1 spent
    • Zero fraud liability
    • Cash back, merchandise, travel or gift card rewards

    American Express Cash Rewards

    • Up to 3% cash back on fuel, supermarket and other purchases
    • No annual fee
    • Zero fraud liability

    American Express Travel Rewards

    • Up to three points for every net $1 spent on airline, hotel, restaurant and other purchases
    • Cash back, merchandise, travel or gift card rewards
    • Discounts on domestic flights

    Visa Platinum

    • No annual fee
    • Zero fraud liability
    • Low introductory rate for one year

    Visa Secured

    • Improve and re-establish your credit
    • Zero fraud liability
    • Credit limit tied to amount on deposit at the credit union


    Money Market Accounts

    This account from Gateway Metro Federal Credit Union is the best of both worlds: savings incentives and access to your money. Open the account with $25, and enjoy tiered interest rates with a $1,000 balance. We pay and compound interest monthly.


    Share Certificates

    Invest $1,000 (or $100 for youth certificates) for terms ranging from three months to six years. Our Share Certificates are a great way to maximize your savings while avoiding the ups and downs of the stock market. We can re-invest the dividends into the certificate or deposit them into your Gateway Metro Federal Credit Union account.

    10.00% Youth Share Certificate*
    One of the tools we offer parents and grandparents for teaching your children and grandchildren ages 10 to 17 about saving is our Youth certificate. If you have checking and direct deposit with us, $100 is all it takes to enjoy 10.00% APY on balances up to $1,000!* To receive dividends, certificate holders must complete an online financial education course, and the Share Certificate will transfer to a savings account on your child or grandchild's 18th birthday.
    If you don’t have checking and direct deposit at the credit union, don’t worry. We still have Youth Share Certificate options available at the same rates and terms as our regular Share Certificates.

    *APY=Annual Percentage Yield. Rates subject to change. Terms and conditions apply. Contact GMFCU for details.



    With our new SAVE TO WIN share certificate, you can win up to $5,000 just by saving. To get started, all you need is $25 to open the share certificate; and every time your savings increases by $25, you automatically receive another entry into the national and credit union monthly and quarterly drawings – up to 10 entries a month and 30 entries per quarter. It’s like playing the lottery with none of the risk and all of the reward.

    To open your SAVE TO WIN share certificate, stop by any Gateway Metro Federal Credit Union branch and speak with a member service representative today! Will you be the next winner?


    Individual Retirement & Health Savings Accounts

    Individual Retirement Accounts
    Take control of your financial future with our IRA options! These two accounts are federally insured up to $250,000.

    • IRA Certificates: With terms up to six years and $1,000 deposit, you have access to a Traditional, Roth or Coverdell Educational Savings account.
    • IRA Contributory Account: Similar to a savings account, this account gives you the flexibility to make deposits at your own pace. You can even set up automatic deposits through Power Pay for added convenience!

    We also partner with Strategic Wealth Advisors to make financial planning services available to our members. To learn more or schedule an appointment, contact our financial advisor, Douglas Simms, at 314-919-2066 or doug@swastl.com.

    Securities and advisory services offered through National Planning Corporation (NPC), member FINRA/SIPC, a registered investment advisor, and are not NCUA insured, may lose value and have no credit union guarantee. Strategic Wealth Advisors, Gateway Metro Federal Credit Union and NPC are separate and unrelated companies.

    Health Savings Accounts
    Save for health expenses while enjoying tax benefits! Interest grows tax-deferred, and qualified withdrawals are tax-free. Qualified expenses include prescription medication, doctor, dental and orthodontic fees, eyeglasses and examination fees, lab fees, hospital care and more!


    Business Deposit Accounts

    The same great benefits and services available to Gateway Metro Federal Credit Union’s personal accountholders are available to businesses as well. We offer two options:


    • $15 per month
    • No minimum balance requirement
    • No interest earned


    • $20 per month
    • $1,000 minimum balance requirement
    • Interest earning

    Business Account Disclosures