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:
- Area-leading certificate rates
- Opening minimum as low as $500
- Term options from 1 year to 5 years
- Renewal opportunity at certificate maturity with prevailing rate
- Your accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). For more details about how your GECU accounts are protected, please click here for an informative brochure. Calculate your accurate share insurance by using the NCUA e-calculator.
Certificate Specials* (includes IRA Certificates)
|2 - Year Jumbo Share Certificate||$100,000||2.96%||3.00%|
|2 - Year Jumbo IRA Certificate||$100,000||2.97%||3.00%|
Bump Certificates** (includes HSA and IRA Certificate options)
|3 - Year Share Bump Certificate||$500||3.01%||3.05%|
|3 - Year IRA/HSA Bump Certificate||$500||3.02%||3.05%|
|5 - Year Share Bump Certificate||$500||3.25%||3.30%|
|5 - Year IRA Bump Certificate||$500||3.26%||3.30%|
Standard Certificate Rates*
|1 - Year||$500||1.98%||2.00%|
|2 - Year||$500||2.47%||2.50%|
|3 - Year||$500||2.58%||2.60%|
|5 - Year||$500||3.05%||3.10%|
|1 - Year Jumbo||$100,000||2.23%||2.25%|
*APY = Annual Percentage Yield. Fees may reduce earnings. Substantial penalties for early withdrawal on all certificates. Refer to the Account Disclosure for account information.
**APY = Annual Percentage Yield. Fees may reduce earnings. Substantial penalties for early withdrawal on all certificates. Bump Certificates are new products and 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. Certificates 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. This 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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