Frequently Asked Questions & Answers

Staying informed and understanding your finanical options with Gale Credit Union is important to us.  At any time, if you have a question not answered below, please contact us.

Why is a credit union better from a bank?

A. Check out these short video clips.  There are many way reasons, but we work for you - not a few wealthy bank owners or Wall Street.

Not-For-Profit Financial Cooperatives

We put People First

Credit Unions are Changing Lives

Membership & Accounts Related

Q.  How do I become a member of Gale Credit Union?    

A. Gale Credit Union Membership is now open for those who live or work in Knox, Warren, Henderson, Mercer, Henry, or Stark County, IL. Check out our Membership page for all the information you need to join Gale Credit Union.

Q.  I currently have my accounts at another financial institution and it seems to hard to move them to Gale Credit Union.  What can I do?
A.  Our staff can provide you with assistance to coordinate your move.  First, come see us to open your new accounts and then we will help you gradually fade out the use of your existing account.
Q.  My Debit Card currently has a low limit for daily purchases.  Why is there a limit on my card?
A.  All Debit Cards have a daily limit for your protection against fraud.  If your card was lost or stolen, a criminal can go on a shopping spree and clean out your account.  However, with a limit on your card, the criminal is limited to that amount which in turn limits your liability from fraud.

Loan Related

Q:  When I purchased my new auto, my loan ended up at another financial institution.  Can I move it to Gale Credit Union?     

A.  Yes, if you qualify for a loan with us, we will assist you in sending the payoff amount to the other institution and retrieving the title properly to secure our lien.  Our Loan Officers perform this everyday as many of our members move their loans here to take advantage of the great rates.  Next time, just tell the auto dealer - Gale Credit Union!

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