We are a member-owned, not-for-profit financial cooperative institution. As such, we offer a broad range of personal financial products and services and are committed to satisfying the personal financial needs of our members in a professional and courteous manner. Unlike other types of financial institutions that need to generate profits to satisfy stockholders, we return excess earnings to our members through: Competitive Dividend Rates on Savings and Investment Accounts, Competitive Interest Rates on Loans, New Products and Services. GCCU has been serving families, students, alumni and other sponsor organizations in the Greater Cincinnati area for over 80 years. If you have attended school within 100 miles of Cincinnati at any point in your life, you are eligible to join. Immediate family members of our current members are also eligible to join.