Share Certificates

Reach your savings goals with a Share Certificate. 

Have extra funds lying around? Set them aside to grow with a high-return certificate.

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Share Certificates Cincinnati OH

Low minimums, guaranteed returns.

A GECU certificate offers area-leading rates helping you build an optimal savings plan. With a variety of terms available, you can begin earning with as low as $500.

Certificates give you a fixed-rate return making them a safe, risk-free option to help achieve your savings goals.

A Share Certificate includes: 

See how our rates compare.

Current Share Certificate Rates

rates_share_certificates table
TermMinimum BalanceRateAPY
1 - Year$5001.49%1.50%
2 - Year$5001.74%1.75%
5 - Year$5002.82%2.85%
1 - Year Jumbo$100,0002.23%2.25%

Maximize your savings with certificate laddering. 

When you open a certificate, your money is earning at a higher rate for a set amount of time. If you’re concerned about the interest rate increasing during this time, certificate laddering helps address these concerns as well as gives you rotating access to funds.

Certificate laddering gives you a higher return while giving you periodic access to your funds. If you don’t need the money at maturity, you can reinvest it into a longer-term certificate.

How Certificate Laddering Works

  1. Begin by investing equal amounts into a 1-, 2-, and 3- year certificate.

  2. When the 1-year certificate matures, reinvest that money into a 3-year certificate. Your original 3-year certificate has 2 years left until maturity and your 2-year certificate only has one year left.

  3. When your 2-year certificate matures, reinvest it for another 3-year certificate.

  4. At the end of the three years, you’ll have three, 3-year certificates on a ladder that mature each year giving you rotating access to funds and the ability to earn higher rates of interest since funds are in a longer-termed certificate.


Open a Share Certificate today!

  • Call 513.243.4328 or 800.542.7093
    Monday - Thursday: 8 am - 5 pm
    Friday: 8 am - 6 pm
    Saturday: 9 am - 2 pm

  • In person at a branch


IRA Certificates

Start saving for your retirement today. Take advantage of a guaranteed interest rate and the tax advantages of a traditional or ROTH IRA.

Learn more about IRA Certificates

HSA Certificates

Save for medical expenses with tax advantages. No minimum balance to open or maintain. Unspent balances remain in the account and earn higher interest.

Learn more about HSA Certificates

APY = Annual Percentage Yield. Fees may reduce earnings. Substantial penalties for early withdrawal on all certificates. Refer to the Account Disclosure for account information. 

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