Take GPO on the go!
Access your accounts, at home or on the go, and securely pay bills, view balances, and more.
Features You’ll Love
- Track your spending and saving
- Set one-time or recurring bill payments
- Update your personal account information
Free, secure, and easy-to-use service for GPO members.
- Manage a number of banking activities anytime, anywhere with internet access:
- Access e-statements
- View account balances and history
- Transfer funds between accounts (one-time and recurring transfers)
- Control your cards
- Track income
- View check images
- Make loan payments
- Change your username and settings
- And so much more
Please note: Starting in July, all web-based users will be required to complete a two-factor authentication (2FA) when logging into their online banking account. This added security step helps protect your account by requiring a verification code sent to your mobile device or email.
To ensure a smooth login experience, please make sure your cell phone number is up to date in your account settings.
You can update your personal information conveniently through online banking, mobile banking, by calling our Member Service Center at (315) 724-1654 or by visiting your any GPO Branch
E-Alerts
Electronic alerts, or e-alerts, will help you manage your account by notifying you by email or text whenever your account balance reaches a certain dollar amount, or when a deposit or withdrawal is made, or another self-selected threshold.
To set up e-alerts, log into your online account.
Fast, free, and secure service for members enrolled in online banking.
- Available to GPO members
- Easily keep track of your finances — even on the go:
- View account balances
- Review history
- Transfer funds between accounts
- Receive alerts
- Pay bills
- Available via any web-enabled mobile device
- Save valuable time and effort; avoid an extra trip to a branch
Deposit checks anytime, anywhere from your mobile phone.
- Free service for members with a GPO checking account
- Save time, avoid unnecessary trips to a branch
- Deposit your check with a few taps of your finger:
- Take a picture of the front and back of your check, following the on-screen instructions (make sure you sign it “For Remote Deposit Only” with your account number)
- Select the checking account into which you want to make the deposit
- Enter the check amount
- Verify that everything on the screen is correct, then submit it
- We'll confirm that the check has been received
Important: When you endorse your check for mobile deposit, please also write "For Remote Deposit Only” and include your account number.
By accessing the iTunes and Google Play links above, you are leaving GPO’s website and entering a site not operated by the credit union. Although this is a GPO Partner site, we are not responsible for the content.
Add Your GPO Visa Credit or Debit Card to Your Digital Wallet for an Easier Way to Pay!
Make Purchases Anywhere with Apple Pay®, Samsung Pay®, Google Play®, Garmin Pay® and Amazon Pay®. It’s Safe, Secure and Quick!
Benefits of GPO’s Digital Wallet:
- Fast and secure
- Contactless payments at stores, vending machines and other kiosks
- In-app and mobile purchases
- Track your finances
- And more!
Easy Pay is now EASIER! Members can pay bills with Easy Pay right from Online and Mobile Banking! Look for Easy Pay in your online or mobile banking menu!
Easy Pay Features:
- Send money to friends and family
- Pay bills to companies
- Pay one-time or recurring bills with Easy Pay
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- More secure than paper billing
- Make more time for yourself; fewer bank trips necessary
Fast, free, and easy alternative to paper statements.
- Save paper and save the environment
- Easier to retrieve info when needed
- Eliminate a paper trail
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping
- Easily access past statements
- Ability to download for permanent storage or print if needed
- Receive email notice when new e-statement is ready
To set up e-statements, log into your online account or call our Member Service Center at (315) 724-1654 option 2.
GPO offers its members a digital service called DocuSign that allows you to digitally complete and sign documents without coming into the branch. Documents include change of address form, name change request, loan product change, transaction dispute form, Easy Pay sign-up request, deferred payment request and payroll distribution request
Call us at (315) 724-1654 to learn more about our DocuSign services or to request a document listed above.
Membership eligibility required. DocuSign requests submitted by email must match the email on the member's account. If the email address is not on file, a representative will reply to the member request via phone within 24 hours.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Flex Equity Variable Rate
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 6 Months | Intro rate as low as 2.99% APR* |
| 12 Months | Intro rate as low as 3.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Restrictions apply. Existing lines with new advances do not qualify. Mortgage tax, county recording fees and tax servicing fees apply. Limited time offer. See branch for full details. Rate converts to GPO’s current line of credit rate, at the end of the 6th or 12th month. After 6 or 12 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 10/30/2025 is 7.00%. Minimum Line of Credit loan is $10,000. Rates can increase or decrease, but not to exceed 16.00% APR. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $958.50 for a $50,000 loan or $1,333.50 for a $100,000 loan. Homeowners insurance is required. Consult a tax advisor for deductibility for interest.
Holiday Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Holiday loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $2,000. See branch for full details.
Home Equity Fixed Rate
First Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 5.24% APR* |
| 61 to 120 Months | 6.24% APR* |
| 121 to 180 Months | 6.74% APR* |
| 181 to 240 Months | 6.99% APR* |
Second Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 5.74% APR* |
| 61 to 120 Months | 6.74% APR* |
| 121 to 180 Months | 7.24% APR* |
| 181 to 240 Months | 7.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Monthly payments for 10 years at 6.24% would be $11.23 per $1,000.00 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required. Consult a tax advisor for further information regarding the deductibility of interest and charges.
IRA Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 12 Month | 3.784% | 3.85% |
| 14 Month Special** | 3.928% | 4.00% |
| 24 Month | 3.590% | 3.65% |
| 36 Month | 3.590% | 3.65% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Minimum balance of $1,000 or $500 on education IRAs. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**APY = Annual Percentage Yield. 4.00% APY based on 14 month certificate special. Minimum balance of $1,000 and must maintain minimum balance to earn advertised rate. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate specials will automatically renew to GPO’s 24 month certificate at the prevailing rate at the time of maturity. Rate is accurate as of November 1, 2025. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
Mechanical Breakdown Protection Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 12 to 36 months | 5.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 3 year MBP loan at 5.49% APR would be $30.20 per $1000 borrowed See branch for full details.
Money Market Share & IRAs
| Balance | Dividend Rate | APY* |
|---|---|---|
| $2,000 to $19,999.99 | 1.292% | 1.30% |
| $20,000 to $49,999.99 | 1.391% | 1.40% |
| $50,000 and up | 1.588% | 1.60% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Dividends are compounded and posted monthly. Dividend earnings may be affected by fees. The rate on a money market share & money market IRA is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
New Auto Loans (2022-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 4.49% APR* |
| 61 to 66 months | 4.99% APR* |
| 67 to 72 months | 5.24% APR* |
| 73 to 84 months** | 5.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new auto loan at 4.49% APR would be $18.64 per $1000 borrowed. See branch for full details.
**2024-2026 models only
New Boat, Motorcycle, or RV Loans (2023-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 6.49% APR* |
| 67 to 84 months | 7.29% APR* |
| 85 to 120 months | 8.49% APR* |
| 121 to 180 months | 9.49% APR* |
Qualifications
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new boat, motorcycle or RV loan at 6.49% APR would be $19.57 per $1000 borrowed. Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
Overdraft Line of Credit
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| Line of Credit | 13.88% APR* |
Payment Saver Lease-Like Loan (2020-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 24 to 60 months | 5.49% APR* |
| 61 to 72 months | 6.24% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. A typical Payment Saver loan of $30,000 at 5.49% APR would have 60 monthly payments at $398 each month, and would include a balloon payment amount due at loan maturity of $12,428. Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00%. See branch for full details.
Personal Secured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 7.74% APR* |
| 37 to 48 months | 8.74% APR* |
| 49 to 63 months | 9.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year secured loan at 9.74% APR would be $21.13 per $1000 borrowed. See branch for full details.
Personal Unsecured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 8.99% APR* |
| 37 to 48 months | 8.99% APR* |
| 49 to 63 months | 9.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 4 year personal loan at 8.99% APR would be $24.88 per $1000 borrowed. See gpofcu.com or any GPO branch for full details.
Save & Boost Credit Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 4.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Monthly payments for a 1 year Save & Boost Credit Loan secured by a Share Savings would be $85.38 per $1,000 borrowed at 4.49% APR*. Maximum loan amount of $2,500. See branch for full details.
Share Savings
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Share Savings | 0.25% | 0.25% |
| Loan Payment Share Savings | 0.25% | 0.25% |
| Kids' Cash Savings | 0.25% | 0.25% |
| Club Accounts** | 0.25% | 0.25% |
| (HSA) Health Savings Account*** | 0.25% | 0.25% |
*APY = Annual Percentage Yield. Minimum balance of $50.01 is required to earn interest on all account types. Dividends are compounded and paid monthly. Dividend earnings may be affected by fees. The rate on a share savings account is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**Club Accounts include Special Purpose, Christmas, and Vacation Accounts
***Health Savings Accounts are subject to the completion of an application and the account’s features, terms and conditions, which are subject to change at any time in accordance with applicable laws and agreements. Please see any branch for full details.
Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 6 Month | 3.203% | 3.25% |
| 12 Month | 3.784% | 3.85% |
| 14 Month Special** | 3.928% | 4.00% |
| 24 Month | 3.590% | 3.65% |
| 36 Month | 3.590% | 3.65% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
| Kids Only Savings (12 Month) | 3.784% | 3.85% |
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Refer to certificate for details. Minimum balance of $1,000.00 is required for all account types except Kids Only Savings which require a minimum balance of $250.00. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**APY = Annual Percentage Yield. 4.00% APY based on 14 month certificate special. Minimum balance of $1,000 and must maintain minimum balance to earn advertised rate. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate specials will automatically renew to GPO’s 24 month certificate at the prevailing rate at the time of maturity. Rate is accurate as of November 1, 2025. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
Used Auto Loans (2018-2021)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 4.99% APR* |
| 61 to 66 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used auto loan at 4.99% APR would be $18.87 per $1000 borrowed. See branch for full details.
Used Boat, Motorcycle, or RV Loans (2020-2022)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 6.99% APR* |
| 67 to 84 months | 7.99% APR* |
| 85 to 120 months** | 8.70% APR* |
| 121 to 180 months** | 10.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used boat, motorcycle or RV loan at 6.99% APR would be $19.80 per $1000 borrowed.**Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
VISA Credit Cards
| Card | Annual Percentage Rate (APR) as low as |
|---|---|
| Visa Platinum | 7.99% APR* |
| Visa Balance Transfer | Intro rate as low as 3.99% APR** for 12 months |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates are determined by overall credit history and are subject to change without notice. Minimum interest charge is $1.00. Foreign Transaction Fee (Finance Charge) is 1% of each transaction amount. See any GPO branch for full details.
**APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates based on credit history. Limited-time offer. After the 12 month introductory rate, the transfer rate will revert to the normal card rate as low as 7.99% APR. Rates subject to change. See branch for full details.
Warm Home Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Warm Home loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $3,000. See branch for full details.