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As an experienced forex trader, I always pay close attention to overnight financing charges—commonly called swap fees—since they can significantly impact my trading costs over time. Having looked into GMCU, I found that they do not explicitly disclose typical trading swap fees because, quite frankly, this institution is primarily a local credit union with a focus on traditional banking products like loans, savings accounts, and insurance. There’s no indication from my research or from their product descriptions that GMCU actually offers leveraged forex trading or contracts for difference (CFDs) where overnight financing would be relevant. Instead, GMCU’s services center on personal and business banking, so standard swap fees in the manner of mainstream forex brokerages don’t apply here. Other brokers I have used often provide transparent details regarding overnight charges, even making fee schedules and calculators readily available since this transparency is critical for traders managing positions beyond a single day. In comparison, the absence of these details and, more importantly, the underlying trading products at GMCU makes it fundamentally different from brokerages where swap costs are a core concern. For me, this lack of clarity and the fact that their ASIC license is flagged as “exceeded” raise additional caution flags. If your aim is active forex trading and you need to manage swap costs, I’d be wary of relying on GMCU, as it simply doesn’t offer the trading environment or disclosures required for professional or serious retail traders.