Bump Certificates

The highest certificate rates in the U.S. (literally).

Take advantage of this limited-time offer, perfect in the rising-rate environment. 

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Bump Certificates image

The highest rates, for the fastest climb. 

This offer is exclusively available here at General Electric Credit Union. 

With our new Bump Certificates, you have the option to bump up your rate one time per year, each year. And, with the highest rates in the country, your money grows faster so you can reach your goals faster. What are you saving for? 

Bump Certificates2

Limited-time only, for new money.3

rates_certificate_bump table
TermMinimum BalanceRateAPY
3 - Year Share Bump Certificate$5003.01%3.05%
3 - Year IRA/HSA Bump Certificate$5003.02%3.05%
5 - Year Share Bump Certificate$5003.25%3.30%
5 - Year IRA Bump Certificate$5003.26%3.30%

Features include: 

  • The highest certificate rates, nationwide1
  • Open an account with as little as $500
  • 3- or 5-year term options
  • Initiate a bump adjustment once per year, each year during the term of the certificate 

Open your Bump Certificate now! 

To open: 



Account requirements: General Electric Credit Union (GECU) membership is required; if you live or work in the Greater Cincinnati area, you can join and become a member. Visit gecreditunion.org/membership for details. The Bump Certificate is a new product and this offer does not apply to existing certificates. This offer and details, including the stated APY, are accurate as of July 10, 2018, are available for a limited time and are subject to change at any time.
13.05% APY and 3.30% APY are the highest yields available for 3-year and 5-year Certificates, respectively as of July 2, 2018, according to the Bankrate.com “Best CD Rates – June 2018”: https://www.bankrate.com/banking/cds/best-cd-rates/
2Certificates will be opened and interest will accrue as of the date funding is received; funding must be received within 10 days of opening the account. Fees may reduce earnings; subject to early withdrawal penalties. Bump Certificates: Terms include 3- and 5-Year Bump Certificates. During the term of this certificate, the certificate owner has the option to initiate a rate adjustment one time per year during the term of their certificate to the prevailing GECU rate on that product. The certificate owner must provide a written or verbal request. One rate adjustment per year is reflective of an anniversary year, based on the certificate open date. 
3This offer is applicable to new money or funds from maturing certificates at GECU. New money is defined as proceeds not previously on deposit with GECU. To change an existing termed certificate outside of its 7-day grace period, you will be assessed a penalty fee and must add a new money equivalent to the current balance of the certificate(s) the day the penalty is assessed if under $10,000; for balances of $10,000 or more, you must add a minimum deposit of at least $10,000 in new money. If electing to use non-maturing deposits currently with GECU, when transferring balances under $10,000, you must match (or exceed) the amount transferred from your GECU account with a new money; if transferring balances of $10,000 or more, you must add a minimum deposit of at least $10,000 in a new money.

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