| Member Services: Next Steps
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Choose your goal below to learn more about how our dedicated staff can work with you one-on-one to reach it. |
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Free Financial Coaching
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 Becoming debt-free
This is one of the first and most important steps toward financial freedom! But it can be difficult to know where to begin. We will look at the whole picture with you and discuss options for your unique situation. We may even be able to find ways to save you money! GCU offers many tools to make the debt-reduction process easier, from systematic savings programs to debt consolidation loans.
And because we are a not-for-profit institution dedicated to improving our members' financial lives, you can be confident that we always put your best interests first.
You can even get started right now by trying our free online Debt in Focus tool!
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Improving your credit score
When is the last time you checked your credit report? Did you know you're entitled to at one free report every year from each of the 3 major credit bureaus? Click here to learn more »
Maintaining good credit health is important not only to ensure you get the best deal on your loans, but also to prevent identity theft. Check out the credit section of our Learning Center for more information about how credit works and how to improve yours.
Less than perfect history? Afraid to look? Come see us. We can help you make a step-by-step plan to build or repair your credit. We even offer extremely low-cost secured loans and credit cards that are perfect for credit-challenged members.
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Building your emergency savings
Do you have enough cash in your rainy-day fund to cover 3-6 months of expenses? Most experts recommend this as an essential step in becoming financially secure, but for those of us used to living from paycheck to paycheck it can seem overwhelming.
Guadalupe Credit Union offers several tools that make it easy to start building peace of mind. Our systematic savings programs are a great place to start. We also offer lots of great tips in the Learning Center.
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Sending a child to college
The rising cost of tuition is enough to make any parent nervous. If you can start early, Coverdell educational IRAs offer high rates and special tax benefits that will help you breathe easier. We can even help you calculate how much you'll need to save!
If the college brochures are already starting to pile up, come see us to talk about other options to help your children reach their dreams, like a home equity line of credit. And be sure to ask us about the annual scholarship offered by the New Mexico Credit Union Education Foundation!
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Owning your own home
Helping our members buy their own home might just be our favorite thing to do. We can help you find out how much house you can afford, and we offer a wide range of mortgage options.
Not ready to buy just yet? It's never too early to start planning! Come see us to talk about easy ways to save for a down-payment. You can also find lots of helpful information in the Home Buyer Center.
First-time home buyers may qualify for special assistance. We are also proud partners of the Housing Trust and Homewise, non-profit organizations committed to helping first time buyers own their own home in Santa Fe.
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Retiring Comfortably
Start small, and start today! Come see us to make a plan for the future. We can help you figure out how much you'll need and what it will take to get there.
An IRA is smart choice at any age for great rates and tax benefits. We can help you choose the right one for you. We even have systematic savings programs that make it painless to start building a more secure tomorrow.
Learn more about IRAs and other ways to save in the retirement section of our Learning Center.
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Another major goal/purchase
Whatever your dream may be, we want to help you have the money to make it possible. Come see us to create a step-by-step savings plan that's a perfect fit for you.
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Buying a car
Think of Guadalupe Credit Union as your secret weapon in getting a great deal on a car. We offer the same great rate, new or used, and we can even save you money on the warranty! Apply online today for pre-approval and shop with confidence.
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Free Online Home Banking
Who has time to wait in line? Skip the branches, skip the drive through, go straight to your computer. Home Banking allows you to access your accounts 24/7, 365 days a year, from any internet connection.
- See your statements (when you sign up for eStatements)
- View your transaction history
- See cleared checks
- Order new checks
- Apply for a loan
- Open a new CD
- Transfer funds instantly, or schedule automatic transfers
- Request a check from your account
- Track your GCU credit card spending
- Make loan or credit card payments online
- Automate all your bills with Bill Pay
- Set up account nicknames and email balance alerts
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Free eStatements
Get your statements instantly, save paper, and help protect yourself from identity theft by signing up for free eStatements.
You will receive email notification as soon as your statement is ready. Log in to view your current and previous statements securely through Home Banking.
Less clutter, more secure, and it’s free! Plus, when you receive eStatements you also qualify for free online Bill Pay. What’s not to love? Sign up now»
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Bill Pay
Pay any bill, any time, anywhere. No stamps required.
- Send payments to any company or individual, from PNM to your babysitter.
- Common New Mexico payees are pre-loaded
- Pay once or set up regular automatic payments and never worry about late fees again!
- Free when you sign up for eStatements! (Must use at least quarterly for free service)
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CU-24 phone banking
Access your accounts by phone any time, day or night, by calling 1-505-216-1398.
- Check balances
- Hear recently cleared checks and transactions
- Request a check
- Transfer funds
- Report lost or stolen debit cards
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Outgoing wires
We make it easy to send money across the country and around the world!
Please provide the following for outgoing wires:
- Receiving bank name, address, phone number and routing/ABA number
- Name and account number of the person receiving the funds
- Dollar amount of wire
- Your signature (photo ID may also be required)
- Cost to send money is $15.00 per transfer within the US or $30.00 per transfer outside the US.
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Incoming wires
You will need the following information to receive a wire transfer to your GCU account:
Guadalupe Credit Union ABA#307084347; further credit (Members name) & (GCU account number).
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Western Union
Send money in any amount from your account to any Western Union office in the US and participating countries.
- Quick Cash is available at GCU. Quick Collect is not available at this time.
- To send money, you will need to know the city and state where the funds will be picked up.
- The receiver will need to present ID (or password if ID not available), know the dollar amount sent, and say that it is coming from Southwest Corporate, Dallas, TX. .
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Viamericas
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Send money in any amount with cash or funds from your account to any financial institution or participating business anywhere in the world. This is an ideal way to send money to someone in another country who does not have an account established there.
- To send money, you will need to know the city and state where the funds will be picked up.
- The receiver will need to present ID and the password
- Cost is $10.00 per thousand sent for members or $15.00 per thousand sent for non-members.
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Rapid Remit (Giro Rápido)
Send money to financial institutions and other participating locations around the world for same-day pickup!
· Flat fee of only $10 per transfer, regardless of amount sent. (Get 50% off through May 31, 2010!)
· Get notified by text or email when money is picked up
· Send up to $1,000 cash or $5,000 account-to-account per transfer
· Monthly limits: $4,000 cash, $10,000 account-to-account
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Free Direct Deposit
You have better things to do than wait in line every payday. Sign up for direct deposit and have your paycheck automatically deposited directly into your account. No waiting, no paper, no hassle.
Get the form here. Now what are you going to do with all that extra time?
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Find Shared Branches and ATMs
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With over 28,000 fee-free ATMs and over 3,800 Shared Branching locations nationwide, you are never far from your money. Use these handy tools to find the location nearest you:
Find Credit Union Branch Locations
Find CO-OP ATM (nationwide)
Find CU Anytime ATM (in New Mexico)
Did you know you can get the nearest ATM location on your mobile phone? Text your zip code, address or intersection to MY COOP (692667) to get a listing of nearby fee-free ATMs. There is no charge for the service; text message fees from your provider may apply.
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Money Orders and Official Checks
A safe alternative to cash, money orders can be issued for any amount under $1,000.00. Cost is only $0.75 each – free to Royalty Members!
Official Checks can be issued for any amount. Official Checks are free to members when issued for over $1,000.00 or made payable to yourself. Otherwise the cost is $5.00 each.
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Free Notary Services
Notaries are available at each branch at no charge. Please call to check availability before you come.
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Safe Deposit Boxes
Protect your valuable items and important documents with a Safe Deposit Box at GCU.
Boxes are available at the Rodeo Rd. and Osage branches.
Size
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Annual Rental Fee |
| 3”x5” |
$15 |
| 3”x10” |
$24 |
| 5”x10” |
$40 |
| 7”x10” |
$60 |
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|  | Find ATMs with your mobile phone
Text your location to 692667 (MYCOOP) for the closest fee-free ATM. |
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 