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Geico Credit Union

Deposits held and insured by BCU

Overview / Commentary
www.geicocu.org
800-388-7000
5260 Western Ave
Chevy Chase, MD 20815
Deposits held and insured by BCU

Field of Membership Restrictions

Geico Credit Union is open to employees of any one of the elite employer groups which are partnered with the credit union, or anyone who lives or works in Cook (north of 95th St; south side Chicago), DuPage, Lake, Kane, or McHenry County, Illinois or Kenosha County, Wisconsin.
See current membership details

Reviews (8)

Great Service

Posted by: |

The customer service at this great credit union is absolutely outstanding, with top notch online banking services, low fees, atm, checking, savings, investment accounts also. They have great interest rates and easy and professional staff. They also offer car loans, home loans, and every service that you could possibly think need to meet your family's financial service needs! Plus...it's Geico. They are a top rated insurance company so why wouldn't you want to bank with them! They have branches located in many US states.

3

Why I love my credit union

Posted by: |

I have been a member for over 25 years. About 7 years ago, I opened a checking account. At the time I was working so I opted for direct deposit.When I left my employment 2 years ago, I opted to keep my accounts there. I love the customer service. The employees are always friendly and helpful. It feels more like a family than a customer/client relationship. Their services overall are competitive with other credit unions and they have better rates and fees than most banks. Their hours are a little different as they are open most bank holidays except the major ones but they are closed on Saturday and have no late hours. Their debit card is accepted at more ATM's than any other financial institution I know of so I rarely have to pay any fee. The only two drawbacks are that they do not have mobile banking (yet), so in order to make a deposit I have to either find an ATM that is capable of doing it or I have to travel to the credit union itself. Since they are only located inside the company offices, this will mean I will most likely leave them once I move too far away to conveniently travel to a physical office. I also wish they would accept direct deposit from institutions other than the company as it makes it very difficult when I am trying to transfer money from other places. Overall, I love the credit union and have not felt that the small inconveniences are enough to make me leave them just yet.

1

Worst Bank Ever

Posted by: |

If I could give 0 stars I would. They NEVER ANSWER THEIR PHONE!!!!! MY CARD EXPIRED. THEY SENT A NEW ONE. PIN CODE WAS SUPPOSE TO COME IN A SEPARATE ENVELOPE BUT NEVER DID! SO THEY HAVE MY MONEY, I CAN NOT ACCESS IT AND THEY DO NOT ANSWER. AS SOON AS I AM ABLE TO. I WILL WITHDRAW EVER RED CENT AND NEVER DO BUSINESS WITH THEM AGAIN. FOR ANY FUTURE ACCOUNT HOLDERS. RUN, RUN VERY FAR AWAY TO ANOTHER BANK.

3

This Bank Was A Terrible Decision

Posted by: |

This bank was the worst thing to have during a pandemic. You have a debit max of 1000 a day I couldnt go to the actual bank because they were closed. I couldnt even call bc no one was there to answer the phone. I almost lost my house bc I couldn't pay rent bc I cant get a money order out bc I couldnt request the money out once again I couldnt get a cashiers check bc no one was there. Safe to say I'm switching banks when they reopen! Terrible customer service!

4

AWFUL BANK

Posted by: |

If I could give a zero overall rating I would!!! First my direct deposit keeps getting delayed due to "posting delays" (that has happened three times). Now I authorized a payment to be withdrew from my account ($800) and they withdrew it TWICE. Finally got someone on the phone and they admitted that it was an ACH matter and that it should be returned between 2 and 3 p.m. that day BUT it has been three days and still no money has been returned to my account. No one will answer the phone either at the main location or the branch in this area. I have emailed also - no response. I have already opened an account at another bank because this bank STINKS!!!!

4

DO NOT BANK HERE!!!

Posted by: |

I requested a new card on 1/12/2017, I just got it yesterday 2/6/2017 & I haven't received the PIN that's supposed to come with it to activate the card to use it!! so I still can't touch my money!!!! I haven't touch my money since we got paid on 1/25/2017!! I'm late with my rent, my phone just got turned off TODAY & this is with the extension I was given b/c I didn't have my card!! I barely got enough gas to get to work!! IM SO MAD RIGHT NOW!!!! I just got off the phone with USAA, I'm going back home to them! & we get paid tomorrow & I have no access!!! THE WORLD'S MOST HORRIBLE BANK!!!

No one picks up the phone when you call & when you think someone picks up, it hangs up on you, I even submitted a request thurough their website, no response, I don't understand why you can't pick out your own PIN & you have to go to the ATM to activate its so 1980's!!

6

Stay Away From Them

Posted by: |

I have never experienced such bad customer service. They can't solve your problems if you're not at the branch. Their phone rings and rings. No one answers. If you need a more flexible bank that you're able to reach when you're not available to walk-in, do not go with GFCU. They will mess you up from sending something as simple as A DEBIT CARD (it's been a month and I'm still awaiting mine). I will be getting a cashiers check, extracting all of my monies and closing the accounts. They have pissed me off!

7

Customer Service???

Posted by: |

This branch phone service is horrible especially if you're trying to speak with someone for assistance. Don't get me wrong the teller service is actually good but the customer service line definitely needs improvement.

6


Health
B

Data as of Q2 2023

Data displayed below is for insuring bank: BCU
Learn why bank health matters

Health Grade Components

Overall
NCUA #68187
Year Chartered1980
Employees824
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD8.38%
Annual Interest Income$157.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$5.82B$5.43B
LoansQ2 2023vs Q2 2022$4.87B$4.50B
DepositsQ2 2023vs Q2 2022$4.54B$4.52B
Equity CapitalQ2 2023vs Q2 2022$501.0MM$481.2MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$31.2MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$28.3MM$14.2MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Geico Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Geico Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$25k*$50kRainy Day Savings
OTHER TIERS: 0.01% → $50k+ | 2.00% → $25 - $25k
0.01%--Regular Savings

Geico Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$15k*-Money Market Special - New Money - Before 12 Month
OTHER TIERS: 0.05% → Up to $15k
1.75%*$15k*-Money Market Special - New Money - After 12 Month
OTHER TIERS: 0.05% → Up to $15k
0.80%*$500k*-Money Market Account
OTHER TIERS: 0.30% → $1k - $25k | 0.40% → $25k - $100k | 0.45% → $100k - $250k | 0.70% → $250k - $500k
0.50%*$1k*-IRA Money Market
OTHER TIERS: 0.05% → Up to $1k

Geico Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*-$15kPowerPlus Checking Level 2
OTHER TIERS: 0.01% → $15k+
2.00%*-$15kPowerPlus Checking Level 1
OTHER TIERS: 0.01% → $15k+
0.25%$5k-Premier Business Checking

Geico Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.41%$500-30 Month Reward Certificate Special
4.17%$500-65 Month Reward Certificate Special
4.16%$500-30 Month Certificate Special
4.07%$500-22 Month Reward Certificate Special
3.93%$500-11 Month Reward Certificate Special
3.92%$500-65 Month Certificate Special
3.83%$500-11 Month Certificate Special
3.82%$500-22 Month Certificate Special
3.45%$500-12 Month Rewards Certificate
3.35%$500-12 Month Certificate
3.20%$500-6 Month Rewards Certificate
3.10%$500-6 Month Certificate
2.96%$500-13 Month No Penalty Rewards Certificate Special
2.71%$500-13 Month No Penalty Certificate Special
2.28%$500-48 Month Rewards Certificate
2.28%$500-60 Month Rewards Certificate
2.23%$500-36 Month Rewards Certificate
2.08%$500-24 Month Rewards Certificate
2.03%$500-48 Month Certificate
2.03%$500-60 Month Certificate
1.98%$500-36 Month Certificate
1.83%$500-24 Month Certificate
0.85%$500-3 Month Rewards Certificate
0.75%$500-3 Month Certificate

Geico Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-30 Month Rewards IRA
4.25%$500-30 Month IRA
4.25%$500-65 Month Rewards IRA
4.00%$500-65 Month IRA
3.50%$500-12 Month Rewards IRA
3.40%$500-12 Month IRA
2.30%$500-48 Month Rewards IRA
2.30%$500-60 Month Rewards IRA
2.25%$500-36 Month Rewards IRA
2.10%$500-24 Month Rewards IRA
2.05%$500-48 Month IRA
2.05%$500-60 Month IRA
2.00%$500-36 Month IRA
1.85%$500-24 Month IRA
Locations

Availability



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