Deposit rates
Deposit account rates are what you, the depositor, stand to gain from keeping your money in an account or certificate. Secure your future with the best checking accounts, competitive certificates rates, and more.
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Minimum Balance | Rate | APY |
|---|---|---|
| $5.00 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Certificates
Certificate specials
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 13-Month Certificate | $0.01 | 3.45% | 3.50% |
| 13-Month IRA/HSA Certificate | $0.01 | 3.45% | 3.50% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 5.15.2026.
13-Month Certificate Special: This is a limited-time offer; GECU reserves the right to end or modify this offer at any time. Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends will accrue as of the date funding is received; funding must be received within 30 days of opening the account. Fees may reduce earnings; subject to early withdrawal penalties. Penalties may be assessed for early withdrawals on all certificates. Your Certificate will automatically renew at the end of the term. GECU will send you a maturity notice prior to renewal. Upon maturity, if the same term is no longer offered, the certificate will automatically renew into the closest term available with the best rate available for that term. Refer to the Account Disclosures for account information. Contact a Member Service Representative for further information about applicable fees and terms and conditions.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 11-Month No-Penalty Certificate | $0.01 | 3.30% | 3.35% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 10.25.2024.
11-Month Certificate Special: Early withdrawals are not permitted within the first six (6) days after account opening. To withdraw funds for this 11-month certificate with no penalty assessed, the entire amount, principal plus dividends earned, must be withdrawn in one single transaction. IRA and HSA Certificates are not eligible for the 11-month Certificate Special.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Certificate | $0.01 | 3.49% | 3.55% |
| 6-Month Certificate | $0.01 | 3.54% | 3.60% |
| 9-Month Certificate | $0.01 | 3.49% | 3.55% |
| 1-Year Certificate | $0.01 | 3.64% | 3.70% |
| 18-Month Certificate | $0.01 | 3.35% | 3.40% |
| 2-Year Certificate | $0.01 | 3.45% | 3.50% |
| 3-Year Certificate | $0.01 | 3.11% | 3.15% |
| 5-Year Certificate | $0.01 | 3.01% | 3.05% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 1-Year Jumbo Certificate | $100,000 | 3.74% | 3.80% |
| 2-Year Jumbo Certificate | $100,000 | 3.45% | 3.50% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Certificate | $0.01 | 3.50% | 3.55% |
| 6-Month Certificate | $0.01 | 3.55% | 3.60% |
| 9-Month Certificate | $0.01 | 3.50% | 3.55% |
| 1-Year Certificate | $0.01 | 3.65% | 3.70% |
| 18-Month Certificate | $0.01 | 3.36% | 3.40% |
| 2-Year Certificate | $0.01 | 3.45% | 3.50% |
| 3-Year Certificate | $0.01 | 3.11% | 3.15% |
| 5-Year Certificate | $0.01 | 3.02% | 3.05% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
IRA Jumbo Certificates
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 1-Year Jumbo Certificate | $100,000 | 3.75% | 3.80% |
| 2-Year Jumbo Certificate | $100,000 | 3.45% | 3.50% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Certificate | $0.01 | 3.50% | 3.55% |
| 6-Month Certificate | $0.01 | 3.55% | 3.60% |
| 9-Month Certificate | $0.01 | 3.50% | 3.55% |
| 1-Year Certificate | $0.01 | 3.65% | 3.70% |
| 18-Month Certificate | $0.01 | 3.36% | 3.40% |
| 2-Year Certificate | $0.01 | 3.45% | 3.50% |
| 3-Year Certificate | $0.01 | 3.11% | 3.15% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
Money Market accounts
Limited-time introductory offer
Earn 3.75% Intro APY1 for the first 90 days with a minimum deposit of $5,000 when you open a Thrive Money Market account.| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $99.99 | 1.79% | 1.80% |
| $100 - $4,999.99 | 1.79% | 1.80% |
| $5,000 - $24,999.99 | 1.79% | 1.80% |
| $25,000 - $249,999.99 | 1.79% | 1.80% |
| $250,000+ | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $99.99 | 1.79% | 1.80% |
| $100 - $4,999.99 | 1.79% | 1.80% |
| $5,000 - $24,999.99 | 1.79% | 1.80% |
| $25,000 - $249,999.99 | 1.79% | 1.80% |
| $250,000+ | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
Checking accounts
| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $4,999.99 | .03% | .03% |
| $5,000+ | .07% | .07% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Choice Checking: $25 deposit required to open account. The account must be funded within 30 calendar days; otherwise, the account may be closed. If your average daily balance is below $500, you may incur a $10 monthly maintenance fee. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of $0.01 to $4,999.99; Tier 2 daily balance of: $5,000 or more. We use the daily balance method to calculate the dividends on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. Annual Percentage Yield will vary due to account activity and balance. Fees may reduce earnings.
| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $1,499.99 | .05% | .05% |
| $1,500 - $49,999.99 | .15% | .15% |
| $50,000 - $249,999.99 | .25% | .25% |
| $250,000 - $999,999.99 | .35% | .35% |
| $1,000,000+ | .45% | .45% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Amplified High-Yield Checking: If your average daily balance is below $1,500, you will incur a $15 monthly maintenance fee. To earn dividends, you must have a balance greater than $0. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of $0.01 to $1,499.99; Tier 2 daily balance of $1,500 to $49,999.99; Tier 3 daily balance of $50,000 to $249,999.99; Tier 4 daily balance of $250,000 to $999,999.99; Tier 5 daily balance of $1,000,000 or more. We use the daily balance method to calculate the dividend on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. Annual Percentage Yield will vary due to account activity and balance. Fees may reduce earnings.
| Deposit Amount | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Savings
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Minimum Balance | Rate | APY |
|---|---|---|
| $5.00 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Certificates
Certificate specials
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 13-Month Certificate | $0.01 | 3.45% | 3.50% |
| 13-Month IRA/HSA Certificate | $0.01 | 3.45% | 3.50% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 5.15.2026.
13-Month Certificate Special: This is a limited-time offer; GECU reserves the right to end or modify this offer at any time. Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends will accrue as of the date funding is received; funding must be received within 30 days of opening the account. Fees may reduce earnings; subject to early withdrawal penalties. Penalties may be assessed for early withdrawals on all certificates. Your Certificate will automatically renew at the end of the term. GECU will send you a maturity notice prior to renewal. Upon maturity, if the same term is no longer offered, the certificate will automatically renew into the closest term available with the best rate available for that term. Refer to the Account Disclosures for account information. Contact a Member Service Representative for further information about applicable fees and terms and conditions.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 11-Month No-Penalty Certificate | $0.01 | 3.30% | 3.35% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 10.25.2024.
11-Month Certificate Special: Early withdrawals are not permitted within the first six (6) days after account opening. To withdraw funds for this 11-month certificate with no penalty assessed, the entire amount, principal plus dividends earned, must be withdrawn in one single transaction. IRA and HSA Certificates are not eligible for the 11-month Certificate Special.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Certificate | $0.01 | 3.49% | 3.55% |
| 6-Month Certificate | $0.01 | 3.54% | 3.60% |
| 9-Month Certificate | $0.01 | 3.49% | 3.55% |
| 1-Year Certificate | $0.01 | 3.64% | 3.70% |
| 18-Month Certificate | $0.01 | 3.35% | 3.40% |
| 2-Year Certificate | $0.01 | 3.45% | 3.50% |
| 3-Year Certificate | $0.01 | 3.11% | 3.15% |
| 5-Year Certificate | $0.01 | 3.01% | 3.05% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 1-Year Jumbo Certificate | $100,000 | 3.74% | 3.80% |
| 2-Year Jumbo Certificate | $100,000 | 3.45% | 3.50% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Certificate | $0.01 | 3.50% | 3.55% |
| 6-Month Certificate | $0.01 | 3.55% | 3.60% |
| 9-Month Certificate | $0.01 | 3.50% | 3.55% |
| 1-Year Certificate | $0.01 | 3.65% | 3.70% |
| 18-Month Certificate | $0.01 | 3.36% | 3.40% |
| 2-Year Certificate | $0.01 | 3.45% | 3.50% |
| 3-Year Certificate | $0.01 | 3.11% | 3.15% |
| 5-Year Certificate | $0.01 | 3.02% | 3.05% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
IRA Jumbo Certificates
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 1-Year Jumbo Certificate | $100,000 | 3.75% | 3.80% |
| 2-Year Jumbo Certificate | $100,000 | 3.45% | 3.50% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3-Month Certificate | $0.01 | 3.50% | 3.55% |
| 6-Month Certificate | $0.01 | 3.55% | 3.60% |
| 9-Month Certificate | $0.01 | 3.50% | 3.55% |
| 1-Year Certificate | $0.01 | 3.65% | 3.70% |
| 18-Month Certificate | $0.01 | 3.36% | 3.40% |
| 2-Year Certificate | $0.01 | 3.45% | 3.50% |
| 3-Year Certificate | $0.01 | 3.11% | 3.15% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 4.14.2026.
Money Market accounts
Limited-time introductory offer
Earn 3.75% Intro APY1 for the first 90 days with a minimum deposit of $5,000 when you open a Thrive Money Market account.| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $99.99 | 1.79% | 1.80% |
| $100 - $4,999.99 | 1.79% | 1.80% |
| $5,000 - $24,999.99 | 1.79% | 1.80% |
| $25,000 - $249,999.99 | 1.79% | 1.80% |
| $250,000+ | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $99.99 | 1.79% | 1.80% |
| $100 - $4,999.99 | 1.79% | 1.80% |
| $5,000 - $24,999.99 | 1.79% | 1.80% |
| $25,000 - $249,999.99 | 1.79% | 1.80% |
| $250,000+ | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
Checking accounts
| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $4,999.99 | .03% | .03% |
| $5,000+ | .07% | .07% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Choice Checking: $25 deposit required to open account. The account must be funded within 30 calendar days; otherwise, the account may be closed. If your average daily balance is below $500, you may incur a $10 monthly maintenance fee. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of $0.01 to $4,999.99; Tier 2 daily balance of: $5,000 or more. We use the daily balance method to calculate the dividends on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. Annual Percentage Yield will vary due to account activity and balance. Fees may reduce earnings.
| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $1,499.99 | .05% | .05% |
| $1,500 - $49,999.99 | .15% | .15% |
| $50,000 - $249,999.99 | .25% | .25% |
| $250,000 - $999,999.99 | .35% | .35% |
| $1,000,000+ | .45% | .45% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Amplified High-Yield Checking: If your average daily balance is below $1,500, you will incur a $15 monthly maintenance fee. To earn dividends, you must have a balance greater than $0. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of $0.01 to $1,499.99; Tier 2 daily balance of $1,500 to $49,999.99; Tier 3 daily balance of $50,000 to $249,999.99; Tier 4 daily balance of $250,000 to $999,999.99; Tier 5 daily balance of $1,000,000 or more. We use the daily balance method to calculate the dividend on your account. Dividends begin to accrue no later than the business day we receive the deposit to your account. You will receive the accrued dividends if you close your account before dividends are posted. Annual Percentage Yield will vary due to account activity and balance. Fees may reduce earnings.
| Deposit Amount | Rate | APY |
|---|---|---|
| $0.01 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
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General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.
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