BRIGHT HORIZONS
Third Quarter 2026
2 Message from our President & CEO
GECU Mortgages: A smooth path for home financing
GECU: The ultimate travel companion
Streamline back-to-school shopping
Summer is all about going—whether it’s a long‑planned trip abroad or a spontaneous weekend getaway. Wherever the season takes you, GECU is right there with convenient digital tools, rewarding ways to spend, and support that travels with you.
Online Banking & our mobile app1
Bank wherever the road takes you—check balances, transfer funds, pay bills, deposit checks, and monitor spending all from your phone. While logged in, you can also now open a new account or loan in minutes, using your saved profile information.
Virtual Branch2
With Virtual Branch, you can meet one-on-one with a GECU team member via phone call or video chat—making it easy to manage your banking from wherever you are. See all Virtual Branch services and schedule your visit at: gecreditunion.org/virtual-branch
Digital wallet3 compatibility
Make quick, secure payments with your phone or smartwatch by linking your GECU debit or credit card to a digital wallet—no swiping, inserting, or handing over your card, making it ideal for airports and on‑the‑go stops.
Controls & real‑time alerts
Stay in control on the go with transaction alerts, spending notifications, and the ability to manage your cards instantly. You can access and manage your alerts anytime in Online Banking or our mobile app for peace of mind while traveling.
Visa Signature® credit card rewards
Wherever summer takes you, pack your wallet with the essentials. With a GECU Visa Signature® credit card, you can enjoy no foreign transaction fees4 and earn unlimited 2% cash back from your reward points at the pump and beyond,5 helping your budget stretch further. Earn rewards on travel and everyday purchases, including: Fuel and road-trip essentials Groceries and dining out And everything else!
The perks don’t end at points From elevated hotel stays to auto rental coverage, the Visa Signature® card is designed to enhance your trip and reward you for travel and everyday purchases. Scan the QR code to learn how you can get the most out of these card benefits, or visit: gecreditunion.org/signature Online Banking/Mobile App: We provide Online Banking and our mobile app to you for free; however, mobile and internet data charges may apply. Contact your service provider for details. 2Video Terms of Use: By scheduling a virtual appointment, you agree to Video Terms of Use. Visit: gecreditunion.org/appointment for full details. 3Digital Wallets: Message and data rates may apply. Please contact your service provider for more details. 4Credit Card Fees: Regular APR applies; foreign transaction fee is 0% of each transaction in U.S. dollars. There is a $10 or 3% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card. 5Visa Signature Rewards: For each dollar charged on a qualifying purchase in each billing period on your GECU Visa Signature card, you’ll earn reward points. Qualifying purchases are purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found in our Visa Signature® Terms and Conditions, Visa Signature® Guide to Benefits, and Visa Signature® Reward Program Summary. 92867_NEWSQ3_2026 1
gecreditunion.org l Third Quarter 2026
A message from our President and CEO Thanks to your continued trust, your Credit Union has recently earned several special accolades. We were recognized by MemberXP, our member survey partner, as one of North America’s best credit unions in providing an exceptional experience in four categories: New Member Experience, Mortgage Experience, Online Banking, and Mobile App Experience. In addition, the Greater Cincinnati community once again voted GECU as a Best of Cincinnati for both banks and credit unions. These recognitions reflect the high standards we set for ourselves in serving you. Thank you for choosing us as your financial partner. As we pass the midpoint of 2026, U.S. economic growth continues to be influenced by global tensions, with inflation placing pressure on household budgets through rising food, energy, and housing costs. Despite these challenges, the broader economy has remained relatively steady, supported in part by a stable job market and resilient consumer spending. In this evolving financial environment, you can count on us to deliver the tools and resources you need, no matter how you wish to bank with us. Your Credit Union team members have remained focused on bringing these tools and resources to life, while also making an impact in the community. Recently, we introduced an enhanced Debit Card Controls
Timothy D. Ballinger
...we are investing in improvements designed to enhance your experience and strengthen the value you receive as a GECU member. experience designed to make managing your card more engaging. Whether you need to turn your card on or off if it’s lost, stay informed with activity alerts, or simply set spend limits, you can do so with confidence and peace of mind, while protecting against potential fraud. Beyond our digital enhancements, we’ve been actively involved throughout the community. This spring, we participated in the Annual Reds Opening Day Parade for the fourth consecutive year and again served as the presenting sponsor of the Cincinnati Zoo & Botanical Garden’s Zoo Babies event, which included a scavenger hunt, free admission and gifts for mothers on Mother’s Day, discounted tickets, and other giveaways. Our team members also made a difference in the community through our GECU Cares volunteer initiative, supporting organizations such as: New Life Furniture Bank, Dress for Success Cincinnati, and Shared Harvest Foodbank. Additionally, we selected the recipients of this year’s Robert A. Cunningham Memorial Scholarship and the Next Step Career Path Scholarship (read more on page 4). We are proud of our young members and wish them continued success.
Looking ahead, we are investing in improvements designed to enhance your experience and strengthen the value you receive as a GECU member. This includes implementing a new Customer Relationship Management system to provide more personalized, timely, and consistent support. We are also building a new website (separate from our ongoing improvements to Online Banking and the mobile app) that will serve as a trusted and intuitive resource throughout your journey. The new site will make it simple to find the right GECU products and services, explore rates and location information, and access helpful, easy-to-understand information to support your financial decisions. At the same time, we are in the early planning stages of building new GECU branches so we can be present in more communities and continue to serve those who prefer to connect in person. I look forward to sharing more about all of this in the months ahead. While every year brings change, our role as your Credit Union is to remain a dependable, trusted partner. We look forward to growing with you and supporting our communities through the remainder of 2026 and beyond.
Is GECU your ‘best kept secret’?
Holiday Closures
Thank you for recognizing us as Best Bank and one of the Best Credit Unions in CityBeat’s Best of Cincinnati awards, along with best new member, mortgage, Online Banking, and mobile app experience in the 2026 MemberXP awards.
Labor Day Monday, September 7th
Share the best place to bank with your friends and family! GECU is open to anyone who lives or works in the Tri‑State. Scan the QR code to share our pinned award post to your Facebook profile and invite them to join.
Columbus Day Monday, October 12th
Our ITMs, Online Banking, and mobile app are available 24/7–even on holidays!
gecreditunion.org l Third Quarter 2026
GECU Mortgages: A smooth path for home financing Whether you’re a first-time homebuyer, making a move that better fits your current life, or looking to refinance, today’s mortgage decisions require thoughtful consideration and quick action. That’s why it’s important to work with a mortgage lender that is dedicated to helping you through the process. GECU offers great rates on both adjustable- and fixedrate mortgages, with flexible terms and closing cost options, plus personalized guidance every step of the way. Our fast, local decisioning helps you get prequalified quickly so you can keep up with the market and confidently make an offer when you find the right home for you.
Don’t take our word for it—check out what one of our members said about their experience with our award-winning mortgage team:
The service and the rates were exceptional. I'll be working with GECU from now on for all my future loans. - Daniel N.
Ready to apply, or still browsing options? To apply online, view current rates, use a mortgage calculator, or request more information, visit: gecreditunion.org/mortgage
Like baseball and hot dogs, these GECU accounts just go together! A GECU checking and Thrive Money Market account are summer’s perfect pair. They offer strong benefits on their own—but are even better together, unlocking smart tools that automatically help boost your savings and back you up when your checking balance runs low.
Save a little every time you spend Between concessions and team merchandise, a day at the ball park adds up fast. With Round‑Up,¹ both game day and everyday debit card purchases are rounded up to the nearest dollar, and the spare change is transferred into a Thrive Money Market (or other savings) account automatically. Even better, GECU matches 5% of your rounded up funds each month—up to $350 per year. Learn more at: gecreditunion.org/round-up
Add a safety net for peace of mind It’s easy to lose track of small purchases. When a transaction catches a little too much air, Free Overdraft Protection Transfers² are there to make the catch—pulling funds from a linked Thrive or savings account to help cover debit card transactions if your checking balance runs low. Visit: gecreditunion.org/overdraft
Unlock more when you bundle Learn more about how GECU checking and Thrive Money Market accounts work together by scanning the QR code or visiting: gecreditunion.org/bundle ¹Round-Up: Round-Up is available with a General Electric Credit Union (GECU) Simply Free, Choice, or Amplified High-Yield Checking account and GECU savings or money market account. Upon enrollment in Round-Up and when using your GECU debit card (provided with your GECU checking account), we’ll round up each purchase to the nearest dollar and transfer the difference from your checking account to your GECU savings account of choice daily. The 5% savings boost match will be paid on the sum of rounded up transfers at month end with an annual match limit up to $350; match is reportable on IRS Form 1099. We may cancel or modify the Round-Up service at any time without prior notice. Round-Up is not available for business debit cards. ²Overdraft Protection Transfers: Only available to: Simply Free, Choice, and Amplified High-Yield Checking accountholders. Should there not be enough funds in your primary overdraft savings account, the switch to your secondary overdraft account will occur next business day.
Streamline back-to-school shopping with faster ways to pay As back‑to‑school season ramps up and schedules get busier, lean on your wallet app for faster, more secure payments.1
Shopping Amazon for back to school?
Wallet apps allow you to add your GECU debit or credit card(s) to devices like your phone or smartwatch, so you can pay quickly and securely for school supplies, lunches, extracurriculars, and on‑the‑go errands. Another big advantage of using a wallet app is added security: your actual card number is never shared with merchants, adding an extra layer of protection from fraud whether you’re shopping in store or online.
Choose the wallet app that’s right for you You can link your cards to Apple Pay®, Google Pay™, or Samsung Pay™. Get set up instructions for each by scanning the QR code or visiting: gecreditunion.org/digital-wallets
Although you can’t pay with a wallet app at checkout, you can save your GECU debit or credit card(s) for quick payments and still feel protected against unauthorized purchases thanks to Zero Liability.2 In store or online, you never have to miss a chance to use the card you chose for its low rate, great rewards, or just simple convenience!
Apple: Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, iPad Air, and iPad mini are trademarks of Apple Inc. Android: Android, Google Pay, Google Play, and the Google Pay Logo are trademarks of Google Inc. Samsung: Samsung and Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. 1Digital wallets: Message and data rates may apply. Please contact your service provider for more details. 2Zero Liability: If you suspect there has been unauthorized use of your GECU credit card, promptly contact Cardholder Services at 800.542.7093. You will not be liable for use that occurs after you notify General Electric Credit Union and/or Cardholder Services of the loss, theft, or possible unauthorized use. See any Credit Card Terms & Conditions for complete details.
Congrats to our 2026 scholarship recipients We’re proud to invest in our members’ futures through our scholarship programs: The Robert A. Cunningham Memorial Scholarship, supporting college-bound students, including members of GECU’s Official Family And the Next Step Career Path Scholarship, which is designed for those pursuing trade-related programs Since 1998, GECU has awarded $299,500 through our scholarship programs to help fuel the futures of our members. To learn more about this year's 11 recipients, scan the QR code or visit: gecreditunion.org/scholarships
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Financial Statement Scan the QR code or visit: gecreditunion.org/financials Follow us for the latest Credit Union news:
Contact us
In-branch or virtual appointments Visit: gecreditunion.org/appointments to learn more and schedule today
Member Services 513.243.4328 l 800.542.7093 memberservices@gecreditunion.org
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Hours Mon – Thur: 8 am – 5 pm, Fri: 8 am – 6 pm, Sat: 9 am – 2 pm
Secure Online Banking and Mobile App Visit: gecreditunion.org or download the app for Apple® or Android™
Routing Number: 2420-7682-1
Branch and ITM/ATM locations gecreditunion.org/locations
Secure Chat Send us a Secure Chat from our website, Online Banking, or our mobile app.
Bright Horizons is published quarterly by GECU for its members. Availability, terms, and rates of services are current at press time; however, they are subject to change as determined by the Credit Union Board of Directors without prior notice. Questions about the newsletter should be directed to the Marketing Department at: communications@gecreditunion.org.
Insured by NCUA Equal Opportunity Lender GECU NMLS #449875
Navigate your future with guidance, support and expertise We meet you where you are to help answer: How much should I be saving for my children’s education?
Forming a relationship with a trusted advisor can help you answer your financial questions and feel confident in your path forward. That’s why at GECU Wealth Management, each new relationship begins with a free, no‑obligation initial consultation.
Do I have enough money for retirement? How can I preserve and transfer my estate to my loved ones?
See below to learn more about working with a financial advisor
92867_GECU_WM_Q3_2026
What to expect from your financial advisor Following a structured process, your GECU Wealth Management advisor prioritizes your best interests to help you achieve your goals. Consult: Let us get to know your priorities, needs, and goals. Collaborate: Review strategies and options to create a customized plan. Empower: Feel confident in your decisions with professional guidance. Nurture: Regularly assess your plan to ensure it evolves with your needs.
Learn more about our Wealth Advisors and schedule your free consultation at:
grecreditunion.org/wealthmanagement
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. General Electric Credit Union and GECU Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using GECU Wealth Management, and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, General Electric Credit Union or GECU Wealth Management. Securities and insurance offered through LPL or its affiliates are:
not insured by ncua or any other government agency
not credit union guaranteed
not credit union deposits or obligations
may lose value