Share Savings

Your savings account at the credit union is called a share account. You must maintain a $25 minimum balance in your account to retain membership.
Your money is insured up to $250,000 by the National Credit Union Administration, an agency of the federal government.

Share Drafts

If you need a checking account, we offer a better service called share drafts. There is no minimum balance required and no service charges. You receive carbon-less duplicates of your drafts and monthly statements.


G E M Federal Credit Union offers a variety of loan plans and interest rates designed to suit your borrowing needs. Contact our loan department for current rates.

Loan Protection Insurance

Borrowers may purchase low-cost credit life and disability insurance from the credit union which protects your family if you have a loan.

Mortgage Loans

If you are looking for first mortgage purchase money or a first time home buyer loan, follow this link for more information and an online application.
First Class Mortgage

Direct Deposit

Direct Deposit allows you to have your payroll, pension, or any recurring government check deposited directly into your credit union account.

Payroll Deduction

Payroll deduction is a great way to save money or repay loans. Upon your approval, deductions can be made from your paycheck automatically and credited to any account you wish.


Go Green – Save Paper! Receive your statement faster, access it through Virtual Branch. Simply sign up when you are logged into your Virtual Branch account. Find this option under the Self Service tab. Click to learn more eStatements

Virtual Branch

We have online access! Enter your User ID and click OK. No User ID yet, no problem. Simply click the OK button to go to the main Virtual Branch page – get started by clicking on Enroll Online. You can also get your statements, do transfers, access online bill pay, apply for a loan, and many other services in the convenience of your home. Click to learn more Virtual Branch

Online Bill Pay

Paying your bills got a lot easier! Enroll for FREE online bill pay through your Virtual Branch account. Click to learn more Online Bill Pay


Quickly pay someone back with just an email or mobile number. Click for more details Popmoney


Access your account wherever you are! Simply log on using your smart phone or using text banking. Click to learn more Mobile Banking

Additional Services

AAA Membership Discount
Account to Account Transfers
ATM/Debit Card
Cashier’s Checks
Christmas Club Savings
Drive-Up Window
Financial Counseling
IRA Savings
Money Orders
Movie Tickets
NADA Car Guides
Night Depository Box
Notary Service
Pee Wee Penguin Young Saver’s Club
Share Certificates
Visa Gift Cards
Visa Travel Cards
Visa Credit Cards – Sign up for Purchase Alerts here
View our Visa Credit Card Agreement