Deposit

Checking

Greater Springfield Credit Union offers a full range of checking products and services that are designed to be beneficial to you and that will help you save time and money.

We have checking products to fit your lifestyle and financial goals.

Personal Checking

Checking Rates

Kasasa Accounts

Free Kasasa Cash® checking  

   

Enjoy free checking that pays. Earn high dividend earnings and refunds on ATM withdrawal fees, nationwide.*  

   

  • Free checking that pays high interest 
  • 4.07% APY* on balances up to and including $15,000  
  • 4.07% to 0.97% APY on balances up to and including $15,000 depending on balance in account*  
  • 0.10% APY* on all balances if qualifications aren’t met  
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*  
  • Link to free Kasasa Saver® to build savings automatically   
  • No minimum balance to earn rewards  
  • No monthly maintenance fee  
  • $0 minimum deposit to open  

Qualifications to Earn Rewards  

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:  

  • At least 12 debit card purchases 
  • Have at least one direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements 

   
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify. 

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 to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and purchases made with debit cards 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 the current statement cycle.

Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your Kasasa Cash account earn a dividend rate of 4.00% resulting in an APY of 4.07% and daily balances over $15,000.00 earn a dividend rate of .50% on the portion of the daily balance over $15,000.00 resulting in a range from 4.07% to .50% APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back. Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire daily balance will be .10% resulting in an annual percentage yield of .10% and ATM withdrawal fees are not refunded.

Free Kasasa Cash Back® checking   

   

Choose this free checking account that pays cash back on debit card purchases — plus refunds on ATM withdrawal fees.^  

  • Free checking that pays you back  
  • Get 3.00% cash back on debit card purchases^  
  • No category restrictions on purchases  
  • Cash back earned on as much as $200 in purchases monthly 
  • Earn as much as $72 cash back per year, $6 per month^  
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)^  
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards 
  • No monthly maintenance fee  
  • $0 minimum deposit to open  

   

Qualifications to Earn Cash Back 

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle: 
  

  • At least 12 debit card purchases 
  • Have at least one direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements 

 
And if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.  

^

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 to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and purchases made with debit cards 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 the current statement cycle.

Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on up to a total of $6 per month on debit POS transactions that post and settle to the account during that cycle period. A maximum of $6 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $15.00 for nationwide ATM withdrawal fees incurred within your 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back. Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

   

Free Kasasa Saver® 

Link this free account to your Kasasa® checking — and build savings automatically while earning high interest. 

  • Free account that builds your savings effortlessly 
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking 
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings 
  • 2.53% APY‡ on balances up to and including $50,000 
  • 2.53% to 1.18% APY on balances over $50,000 depending on balance in account‡ 
  • 0.05% APY‡ on all balances if qualifications are not met in Kasasa Cash or Kasasa Cash Back 
  • No monthly maintenance fee 
  • No minimum balance to earn rewards 
  • $0 minimum deposit to open 

Qualifications to Earn the Higher Rate 

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases 
  • Have at least one direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements 
     

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify. 

‡ 

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 to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and purchases made with debit cards 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 the current statement cycle.

Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When your linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Saver account earn an APY of 2.53% and daily balances over $50,000.00 earn a dividend rate of .50 % on the portion of the daily balance over $50,000.00 resulting in a range from 2.53% to .50% APY depending on the account’s daily balance.

When your linked Kasasa Cash account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate .50% resulting in an annual percentage yield of .50% APY.

Dividends will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.

APY = Annual Percentage Yield.

Best For Cash Back High Interest
Account Free Kasasa Cash Back® Checking   Kasasa Cash
Monthly Rewards 3.00% cash back on debit card purchases^  Cash back earned on as much as $200 in purchases monthly    Earn as much as $72 cash back per year, $6 per month^ No category restrictions on purchases No minimum balance to earn rewards    4.07% APY* on balances as much as $15,000  4.07% to 0.97% APY on balances over $15,000 depending on balance in account*0.10% APY* on all balances if qualifications aren’t met  No minimum balance to earn rewards  No monthly maintenance fee  
Monthly Maintenance Fee $0 $0
Refunds on ATM Withdrawal Fees Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)^  Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*    
Free Online & Mobile Banking Access?    
Free Debit Card?      
Minimum Deposit to Open $0 $0

Savings

Whether it is building a nest egg, saving for that trip of a lifetime, holiday shopping, or preparing for a rainy day, Greater Springfield Credit Union offers a variety of ways to help you save.  Our Share accounts and Certificates of Deposit offer competitive rates, giving you a risk free way to earn interest on your money.  Club accounts are a great way to budget for annual expenses, such as vacations and holiday shopping.  Contact us and we can help you determine which options are best for you.

  • Regular shares 
  • Traditional IRAs & Roth IRAs
  • Holiday Clubs 
  • Vacation Clubs 
  • Dalmatian Youth Accounts
  • Certificates of Deposit 
Savings Rates

Need Assistance?

Call (413) 782-3161

Attention Members: The ATM located at 1030 Wilbraham Road will be closed from 12pm Saturday, May 25th until Tuesday, May 28th - due to parking lot maintenance! East Longmeadow will be up and running - or please visit the ATM locator.