Our ITMs offer unrivaled convenience far beyond an ATM. With access to all your accounts, you can deposit cash or checks, pay a loan, transact between accounts, and more. Manage your accounts 24/7 when it’s most convenient for you or connect with a local Personal Teller for assistance.
Just need to withdraw some cash? With 100,000 free ATMs1 nationwide, get access to cash around every corner. Go to: gecreditunion.org/locations or scan the QR code to find an ITM or ATM.
Bank with convenience, your way!
As we welcome the new year, it’s a great time to reflect on self-improvement, embrace lifestyle changes, and take positive steps toward better time and financial management. With GECU, you can streamline your banking experience and save time with these convenient options:
New! Virtual branch appointments
Our virtual video appointments give you a 1:1 service experience with a local team member from wherever you are!2
Discuss your options, then open: a new checking, savings, certificate, or money market account; or apply for: a new credit card, personal loan, or vehicle loan.
Scan the QR code or visit: gecreditunion.org/appointments to get started.
Online Banking and our top-rated mobile app
Keep control of your finances right at your fingertips with Online Banking and our top-rated mobile app.3
Use it to monitor your accounts, transfer funds, deposit checks, build a budget with Money Management, and so much more, all on the go, 24/7/365!
Visit: gecreditunion.org/mobile or scan the QR code to learn more and discover additional mobile banking features.
A message from our President and CEO
From all of us at General Electric Credit Union (GECU), we hope you enjoyed a warm and relaxing holiday season with your loved ones. The start of a new year is always an exciting time as we look forward to new opportunities and ways to serve you. Before diving into 2025, I would like to take a moment and reflect on the past year, which was particularly significant for GECU.
As you may recall, 2024 marked the 70th anniversary of the Credit Union. Celebrating 70 years of service was a momentous occasion for us, signifying our enduring commitment to our members and community. We commemorated this milestone throughout the summer with giveaway opportunities for our members, while our team members completed more than 170 Hours of Giving in June, our official anniversary month.
It was only fitting that this year also marked another milestone with the opening of our first full-service branch on the West Side of Cincinnati. To celebrate the opening of our Dent branch, we hosted a special event to thank members and non-members for visiting and to show our excitement about joining this community. As part of our opening efforts, we partnered with locally owned businesses to demonstrate our commitment to supporting our new community, and to connect with potential new members
Timothy D. Ballinger
…we also remain focused on enhancing your everyday banking experiences as a GECU member.
while raising awareness of the Dent branch. Additionally, to further support the community, GECU made donations to local non-profit organizations as new and existing members opened certain products at the branch.
In response to the devastation caused by Hurricanes Helene and Milton, our team took immediate action to support those affected. We provided payment and account assistance to impacted members and partnered with Matthew 25: Ministries to donate essential supplies such as paper products, bottled water, cleaning supplies, and first-aid items. Our hope is that these efforts will aid in the recovery process for communities throughout the Southeastern U.S. Heading into 2025, the outlook of the U.S. economy is optimistic. Although economic growth is projected to be slower than in previous years – due in part to the lingering effects of past high rates – inflation is likely to continue easing in the coming months. As prices stabilize and purchasing power grows, the hope is that our money as consumers will stretch further. The Federal Reserve will keep a close eye on jobs reports as a key economic indicator as this may signal future rate cuts.
Our Dent branch is now open!
We’re excited to be part of the West Side community with our new branch in Green Township, located at: 5927 Harrison Ave., Cincinnati, OH 45248
Open an account, apply for a loan, and much more. Schedule an appointment so we’re ready to serve you when you visit!
Schedule an appointment at our Dent branch by visiting: gecreditunion.org/appointments or by scanning the QR code.
A decreasing rate environment presents a great opportunity to benefit from lower mortgage, auto, credit card, and personal loan rates. And while savings rates may be lower than in past years because of this new environment, you can rest assured we will continue offering competitive rates.
This year, we also remain focused on strengthening your everyday banking experiences as a valuable GECU member. Our commitment to providing exceptional service and greater convenience is reflected in several exciting initiatives currently underway. We are working diligently to make our Round-Up checking account feature more robust, while also enhancing our Home Equity Line of Credit product. Stay tuned for more details on these and other enhancements throughout the year.
We are excited about the opportunities that lie ahead in the new year and look forward to further supporting your financial journey while making a positive impact in our communities. As always, thank you for your loyalty and for allowing us to serve you.
Holiday Closures
Martin Luther King, Jr. Day Monday, January 20 th
Presidentsʼ Day Monday, February 17th
Our ATMs/ITMs, Online Banking, and mobile app are available 24/7–even on holidays!
Know your mortgage options for when rates drop
GECU has mortgage options to meet your needs.
Whether you’re a growing family in need of more space or an empty nester looking to downsize, high interest rates have led many to delay buying or refinancing a home. While mortgage rates are beyond your control, researching your lending options now will allow you to act when rates become more favorable.
Make your move
As you find the perfect home, we’re here to help with the perfect mortgage. We offer a wide variety of options so you can choose the one that fits your unique needs:
Conventional, Federal Housing Administration (FHA), Department of Veterans Affairs (VA), and jumbo financing
Construction loans with extended rate lock options
Options with low down payments, low closing costs, and rate reductions
Our Annual Meeting is: Wednesday, April 30th at 4 pm
Refinance to a lower rate
If you purchased a house in the last few years, pay attention to where rates go in the near future. Depending on your original rate and how low rates drop, it may be advantageous to refinance.
This opens the door to big savings over the life of your loan because it may lower your monthly payment. A reduced rate environment is also a good time to leverage your home’s equity to finance home projects or other large expenses.
Our local, award-winning team of mortgage experts can help you at each step of your homeownership journey, whether that’s gauging the right time to refinance or choosing the best mortgage loan when the right moment comes. To learn more, scan the QR code or visit: gecreditunion.org/mortgage
Register online
Mark your calendar! Join our Annual Meeting to review 2024 and discuss initiatives for the coming year.
Visit: gecreditunion.org/annualmeeting or scan the QR code for additional information.
Apply for the Robert A. Cunningham Memorial Scholarship
Now through February 28th, apply for our Robert A. Cunningham Memorial Scholarship. We’ll award a one-time, $2,000 scholarship to five recipients. To qualify, you must be: a college-bound high school senior with a “B” average or better, a GECU member, and passionate about volunteerism.
�The scholarship helped make it possible for me to attend my dream school for undergrad, and it set me up for long-term academic success.�
-Adam Moeller, scholarship recipient
What to do if you owe taxes in 2025
Visit: gecreditunion.org/scholarships or scan the QR code to learn more and apply.
This tax season, you may find yourself owing money to the IRS. Consider the following steps to potentially reduce your tax liability.
Review your withholding. Make sure enough taxes are being withheld from your paycheck. Adjust your W-4 with your employer for tax savings next year.
Explore tax credits and deductions, including:
• Child Tax Credit: Up to $2,000 per qualifying child.
• Child and Dependent Care Credit: Up to $1,050 for one dependent or $2,100 for two or more.
• Student Loan Interest Deduction: Deduct up to $2,500 in interest.
Visit: IRS.gov to learn more about the qualifications.
Set up a payment plan. If you can’t pay the full amount owed, the IRS offers installment plans. Establish a budget to ensure on-time payments.
Adjust financial habits. Self-employed individuals and freelancers should set aside 30% of their income for taxes. Consider opening a dedicated GECU savings or Thrive Money Market account to set aside funds for taxes.
Easy and affordable
tax prep
GECU has partnered with TurboTax® to save you up to 10% when you file using TurboTax® Online™.1
To get started, scan the QR code or visit: gecreditunion.org/turbotax
Did you end up with a refund? Select direct deposit and enter your account number— available in Online Banking, our mobile app,2 or your account statement—and GECU's routing number: 2420-7682-1
Scan the QR code or visit: gecreditunion.org/financials View our latest Financial Statement
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Contact us
Member Services
513.243.4328 l 800.542.7093 memberservices@gecreditunion.org
Hours
Mon–Thur: 8 am – 5 pm, Fri: 8 am – 6 pm, Sat: 9 am – 2 pm
Routing Number: 2420-7682-1
Secure Chat
Log in to Online Banking or our mobile app to send us a Secure Chat
New! Virtual branch appointments
Visit: gecreditunion.org/appointments to learn more and schedule today
Access your accounts
Secure Online Banking and Mobile App Visit: gecreditunion.org or download the app for Apple® or Android™ Branch and ITM/ATM locations gecreditunion.org/locations
