What's New

  • Website Accessibility

    Golden Circle Credit Union is committed to facilitating the accessibility and usability of its website,, for all people with disabilities. To fulfill this commitment, we have contracted with our service provider to redesign any deficient content of this site to become compliant with the relevant portions of the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0 Level as our standard. It is projected that this remediation will be completed by March 31, 2018. 

    On an ongoing basis, we will conduct periodic accessibility audits to ensure ongoing compliance with accessibility guidelines and standards. 

    Please contact Golden Circle CU with your questions or concerns regarding accessibility and how we may assist you as we transition to our updated content. If you have any specific questions or concerns about the accessibility of any web page on, please contact us at Please be sure to specify the web page in your email and we will make all reasonable efforts to assist you regarding the information provided.

  • Open a 2018 Christmas Club Account

    Don’t be short on funds next year for Christmas. Start a 2018 Golden Circle Credit Union Christmas Club Account today. As an existing member, just click here: for the form, and return the completed form to any branch to set up an account for a 2018 Christmas Club. You can fund your account by making deposits at any branch, at any time, or we can set up a convenient automatic transfer from your existing share savings or checking account on a schedule that works for you. So start saving today to make your 2018 Holiday Season stress-free. Also, please remember that if you have a 2017 Christmas Club account, no action is required on your part to open an account for 2018. Your existing account will stay open and payroll or other direct deposits will continue.

  • Update On Equifax Breach

    Equifax has set up the following website with a lot of information regarding the breach, This is a good resource for any question regarding the breach.   

    Golden Circle reports information to the Equifax Core Consumer Credit Reporting Database.  

    Per the Equifax Frequently Asked Questions:   

    Question:            Are Equifax’s core consumer or commercial credit reporting databases impacted? 

    Answer:               We have found no evidence of unauthorized activity on Equifax’s core consumer or commercial credit reporting databases. 

    This would indicate that our member loan data was not breached according to Equifax.  

    We are continuing to monitor the situation and will provide updates as information is available

  • Equifax Data Breach

    On September 8th, the Equifax reporting agency reported a data breach occurred earlier this summer which could affect 143 million people. Golden Circle Credit Union does report loan information to Equifax. Information is developing as to who was affected and what information may have been compromised and how individuals can get more information and how to access free credit monitoring if applicable. We will continue to closely monitor this situation and provide additional information as available.

  • Beware Of A New Video Scam

    Consumers are falling victim to a scam promoted via online videos claiming bills can be paid online using routing numbers belonging to a Federal Reserve Bank (FRB) or other financial institutions including credit unions. The scam suggests electronic payments will be generated through the ACH network using FRB accounts touted as “secret accounts” or “Social Security trust accounts” in exchange for personal information like Social Security Numbers.


    Using social media, such as YouTube, fraudsters promote the scam claiming consumers can pay bills online using secret accounts or Social Security trust accounts held at Federal Reserve Banks. Some online videos also refer to these accounts as Treasury Direct Accounts. Through an online payment service, consumers are instructed to use a Federal Reserve Bank’s routing number and the consumer’s Social Security Number as the account number in paying bills. These payments are being rejected and returned unpaid – often leading to service fees charged to the consumer by the merchant or vendor. In addition, these consumers become prime candidates for risks associated with identity theft with the personal information they have turned over to the fraudsters.


    Chipolte restaurants has released a notice of a security incident. The investigation is focused on card transactions in their restaurants that occurred from March 24, 2017 through April 18, 2017. If you have used your card at Chipolte’s during the above dates, please monitor your account information and notify the credit union immediately if there is any unauthorized activity on your account.

  • NCUA Warns of Fake Check Scams

    Consumers Should Be Vigilant and Avoid Depositing Checks from Unknown Parties

    ALEXANDRIA, Va. (April 10, 2017) – Consumers should be on the lookout for fake check scams, the National Credit Union Administration warned today after receiving numerous inquiries from consumers.

     There are many versions of a fake check scam. However, the result is the same. Scammers lure consumers into depositing a cashier’s check, money order, or other checking instrument from someone that they don’t know and wiring or sending money to the scammers. A check may take considerably longer to clear the financial institution that issued it before the funds can be collected. It could take days or even weeks to discover that the deposited check was fraudulent.

    When the check is discovered to be fraudulent, the damage may already have been done. Once a victim wires or sends funds from such a check, he or she may be responsible for reimbursing the financial institution for that amount. Typically, the financial institution will not cover the financial loss and expects the victim to pay the difference.

    The Federal Trade Commission also recently issued a fake check scam alert. These checks can be hard to recognize. They may be printed with the names, addresses, and logos of legitimate financial institutions. Consumers are reminded to be on the alert and to not be pressured into wiring funds or sending money after depositing a check.

     If you think you or someone you know was the victim of a fake check scam, consider taking the following steps:

    Contact your local law enforcement agency to report the scam.

    • Contact your state’s attorney general. Contact information for each state’s attorney general can be found on the National Association of Attorneys General website.
    • File a complaint with the Federal Trade Commission. Your complaint will be filed into a secure online database, which is used by many local, state, federal, and international law enforcement agencies. Complaints from consumers help detect patterns of fraud and abuse.
    • If you or the victim is an older adult or a person with a disability, contact your local adult protective services agency. You can find local support resources using the online Eldercare Locator or by calling 1-800-677-1116. 
  • NCUA Warns of Text Phishing Scam

    ALEXANDRIA, Va. (Aug. 23, 2016) – The National Credit Union Administration has received consumer calls about a suspicious text message claiming to come from the agency.

    The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”

    This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone.

    Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement

  • Debit Card Fraud Protection Center Phone Number

    Golden Circle Credit Union is now working with Fraud Protection Center to monitor debit card activity. If the Fraud Protection Center suspects fraudulent activity, they will block the card and contact the card holder. Please make sure the credit union has current phone numbers for you. The Fraud Protection Center will leave a case number if no one answers, and the phone number to call them back is: 1-877-253-8964. Please have your case number available when you call, if you do not have a case number, you will need to verify your name and zip code. They will be the ones unblocking your debit card if there is no fraudulent activity. It is not necessary to give your card number over the phone.


  • New Jumbo Certificate Program

    Starting May 4, 2016, we now offer Mini-Jumbo Certificates: $50,000.00-$99,999.00 and Jumbo Certificates: minimum deposit $100,000.00.  Rates are set weekly and may change without notice. Please call for current rates.


  • New At Golden Circle Credit Union – Home Improvement Loans!

    Now you can make those need repairs, spruce up for spring, update appliances, or add that long awaited deck! Our Home Improvement Loans offer: NO appraisal fees, NO closing costs, and an easy application process. Simply stop in or call to get started today. (Restrictions apply – ask for details.)


  • Scammers Calling Consumers Claiming to Be NCUA and Asking for Personal Info
    NCUA has issued a warning about a telephone scam in which consumers are contacted by a caller claiming to work for NCUA and asking for personal and financial information.

    According to the agency, the caller tells the consumer her or his credit card or debit card has been frozen or blocked. The caller then asks for the consumer's Social Security number, account number, date of birth and home address to supposedly verify the information.

    NCUA is reminding consumers that they should not provide this or any other information to the caller.
  • What is EMV?

    You've probably been hearing lately about something called EMV OR "CHIP CARDS"

    U.S. financial institutions are switching up the insides of our credit and debit cards.
    We're adding something called EMV technology, which stands for "Europay, MasterCard, and Visa." Translation: Cards will be equipped with a super-small computer chip that's extremely hard to counterfeit. It provides enhanced security when used at a merchant with an EMV or Chip Card reader. The full phase in of EMV cards and EMV readers could take a few years so in the meantime, non EMV cards and card readers will continue to work and you will enjoy the same liability protections regardless of what type of card you use. Our EMV cards are now in final testing and we will start to replace your current cards next year as your current cards expire.

    EMV isn't new technology. Most of the world including Europe have been using chip cards for years.
    The United States is actually the last major market still using magnetic stripe only cards. And for you as a consumer, you still have the consumer protections regarding fraudulent card use you enjoy today regardless of which type of card you use. And chip cards offer no additional protection for uses where the card is not present such as phone or internet based transactions so you still need to practice diligence regarding your credit and debit cards. What will change is "Chip-and-dip" will replace the "swipe". Chip cards are inserted, or "dipped," into the merchant card reader and left in place for the entire transaction as the reader and card talk back and forth to authorize the transaction. This is similar to what you experience today at many ATMs that hold your card until the transaction is complete. We will provide additional information as we get closer to issuance date.

  • Group Accidental Death and Dismemberment (AD&D) Insurance
    Group Accidental Death and Dismemberment (AD&D) Insurance available for our members, we are offering $2,000 of coverage, at no cost to you! You may also choose additional coverage at competitive group rates. Visit to get your $2,000 of AD&D Insurance at no cost to you. Call 1.877.665.7563 for more information including features, costs, eligibility, renewability, limitations and exclusions.
  • New at Golden Circle Credit Union - GAP Plus Waiver!
    GAP Plus Waiver (Guaranteed Auto Protection) is total loss protection – and then some. We have offered GAP Waivers for vehicle loans at Golden Circle Credit Union, but now we have added Plus! If your vehicle is stolen or damaged and deemed a total loss, you are responsible to pay the difference between what you owe and what your insurance company says your vehicle is worth. GAP can help cover the difference. Now for the Plus – the “Plus” is the additional benefit of $1,000.00 deduction toward your next vehicle loan at Golden Circle Credit Union if financed within 90 days of the GAP claim settlement! Ask us today how GAP Plus can help you!
  • NCUA Warns Consumers About Spoofing Scam Mimicking Agency's Telephone
    The National Credit Union Administration is alerting consumers that texts they receive from an agency telephone line, 703-518-6301, asking for personal information are not coming from NCUA. NCUA does not request personal or financial information from consumers. This attempted fraud scam is called “spoofing." The perpetrators are able to mimic a telephone number to generate text messages. The texts may warn of a debit card reaching its limit or use some other trick to persuade individuals to provide personal information or go to a malicious website. Consumers should not click on links in the message, provide information to any websites referenced in the message nor attempt to conduct any financial transactions through those websites.
  • NCUA Warns Consumers
    The National Credit Union Administration has received reports of an online phishing scam that uses a website with a logo and a design similar to the agency’s own site in an attempt to convince unwary customers to provide information or send money.
  • America Saves
    America Saves is a national campaign involving more than 1,000 non-profit, government, and corporate groups that encourages individuals and families to save money and build personal wealth. Overall management for the campaign is provided by the non-profit Consumer Federation of America (CFA). CFA is comprised of over 270 consumer education, advocacy, and cooperative organizations dedicated to advancing the consumer interest. The 2014 Annual National Survey Assessing Household Savings (released during America Saves Week) revealed that while most Americans are meeting immediate financial needs, they are worse off than several years ago. • Only about one-third of Americans feel prepared for their long term financial future. • 68 percent reported that they are spending less than their income and saving the difference. Down from 73 Percent in 2010. • Nearly two-thirds of respondents (64%) said that they “have sufficient emergency savings to pay for unexpected expenses like car repairs or a doctor visit.” Down from 71 percent in 2010. • 76 percent said that they are reducing their consumer debt, or are consumer debt-free. Down from 79 percent in 2010. At Golden Circle Credit Union, we realize that with more societal encouragement and support, more Americans will be persuaded to: Set a Goal. Make a Plan. Save Automatically.
    November 3, 2014-We have been experiencing an increase in fraudulent transactions using debit cards at certain types of merchants. As a precaution to safeguard your accounts, debit transactions performed at the following merchant types will require you to use your PIN-Drug Stores, Department Stores, Gas Stations, Grocery Stores, and Convenience Stores. Signature transactions will not be permitted until further notice. We apologize for any inconvenience this may cause but the safety of your account is our top priority. If you require a new PIN for your card, please contact our office and we will order one for you free of charge.
  • Important Reminder For Our Members
    It has been brought to our attention that a member has received a phone call asking for the card number of their credit union Visa Card. Employees of Golden Circle Credit Union will never call and ask you for your account numbers as we already have that information. Do not give your personal information or account numbers over the phone to anyone unless you have initiated the call. Hang up and call the credit union to verify any information that may be needed. If you do give out personal information, please alert us immediately so we can take appropriate steps to protect your accounts.
  • IMPORTANT! Bogus IRS Calls
    Beware, it has been reported that people are receiving calls which appear to be from the IRS including using caller ID listed as the IRS. They are demanding payments of back taxes and have part of the victim's social security number. If the victim hangs up on the caller suspecting it is a fraudulent call, the fraudsters are calling back using a local police department caller ID and threatening arrest. Please beware and do not trust caller ID as identification.
  • Be Sure To Check Our Financial Tip of the Week
    Your financial well being is our goal. Check out our Face Book page and Twitter feed every Friday for the Financial Tip of the Week.
  • Protect Yourself Against Fraud
    We will never: Ask you to update your computer with newer releases of software or latest versions of browsers via email or text message unless you have contacted us. Contact you via email, phone, or text asking you to log in and update/validate your credentials. Send emails that directly link to Virtual Branch Home Banking or provide links to websites to authenticate your information. Ask you to respond to an email, chat box, or pop up message with your personal account information. Ask you to provide personal account information because of a threat to close or suspend your account if you don’t take action immediately.

Beware of VIN Cloning

The Canton Regional and Greater West Virginia Better Business Bureau offer tips and advice for consumers to avoid fraudulent practices.

The Concern

You see a classified ad for a late model luxury used car, but the advertised price is less than what you’d expect to pay. When you call the seller, he says his family has large medical bills or credit card debt and he needs cash quickly.

You jump at the bargain, meet to inspect the car, transfer the title at the motor vehicle office and pay him the cash and you drive off in your new car. All seams well until the police knock on your door and inform you that the car you are driving is a stolen car.

You have just lost your cash and your car and joined the ranks of victims of the growing scam called vehicle identification number (VIN) cloning

The Facts

Motor vehicle offices require a VIN to register a vehicle, and the number is also recorded on the vehicle’s title. A VIN cloner takes the unique identification number from a legally owned or junked vehicle and uses it to forge documents for a stolen vehicle of a similar make and model.

CARFAX estimates that more than 225,000 of the 1.5 million vehicles stolen each year end up with VINs from a legally owned vehicle and are resold.

How the Scam Works

VIN cloners steal VIN’s from high-end vehicles and expensive SUV’s because they can get a higher price in the used car market than standard makes and models. (VIN’s are found on the driver’s side dash, driver’s side door jam, engine, or rear wheel well.)

Once the VIN is obtained, the thieves find a similar vehicle and steal it; create new documents, sometimes even create a new VIN tag and replace the one on the dash. The vehicle is then sold or traded in.

Avoid the Scam

To help prevent falling victim to VIN cloning, the Better Business Bureau suggests the following:

  • Be extremely cautious if you see a late model vehicle selling significantly under normal market price.
  • Do not fall for the “we need cash quickly” excuse; exercise due diligence.
  • Check the VIN on the dash with the door jam, on the engine and title documents; making sure they all match.
  • Closely examine the car’s title, registration, and other documents. Fake documents sometimes contain misspelled words.

If you have questions about the validity of the vehicle’s VIN, obtain a comprehensive history report.

If you think you may be a victim of VIN cloning, contact the police.

Home Banking and Bill Paying are now available at Golden Circle Credit Union.

With Virtual Branch Home Banking you can have Internet Access to your credit union accounts, 24 hours a day, 7 days a week, from anywhere in the world. BankIT Home Banking is free for anyone who has a checking account with Golden Circle Credit Union. If you just have a savings account, the cost of the service is just $1.95 a month if the account drops below $500.00 any time during the month.

With PayIT Bill Payment Service (includes BankIT), our bill paying service, you can pay almost any bill through your account, at any time. You can pay an unlimited number of bills each month. PayIT is a free service with any Golden Circle Credit Union checking account.

** PayIT requires a checking account that is set up with Courtesy Pay or qualify for a no cost, low interest, overdraft line of credit loan.

Stop in any of our offices for an application. (Application is required prior to accessing your account.)

NEW! At - Golden Circle Credit Union . . . Credit Rebuilder Loan

Golden Circle Credit Union is pleased to announce our new Credit Rebuilder Loan Program!

This loan is specifically designed to help members with credit scores below 620 re-establish responsible credit. For members who want to rebuild their credit, this program will offer interest rate rewards on both new and future loans, and will help improve their credit score.

  • Initial interest rates which are higher than prime rates, but below those offered by predatory lenders.
  • Good payment history qualifies you for an interest rate reduction in as little as six months.
  • Good payment history qualifies you for initial interest rate reduction on future loans.
  • Credit Rebuilder Program is available on all non-mortgage term loans.

Call today for more information: