Certificates

Low risk. High return. Maximize your savings when you set aside extra money in a GECU Certificate.

Ready, set, grow

  • No minimum deposit
  • Competitive rates
  • Guaranteed returns

Our high-yield certificates offer guaranteed returns and put your savings on autopilot. Just choose your term and let your certificate go to work for you.

  • Terms options ranging from 3-Months to 5-Years
  • No minimum deposit requirement (with the exception of our Jumbo Certificates)
  • Federally insured up to $250,000 by the NCUA

Certificates1

Term Minimum Balance Rate APY
3-Month Certificate $0.01 3.93% 4.00%
6-Month Certificate $0.01 4.41% 4.50%
9-Month Certificate $0.01 4.41% 4.50%
11-Month No-Penalty Certificate* $0.01 4.17% 4.25%
1-Year Certificate $0.01 4.60% 4.70%
18-Month Certificate $0.01 4.22% 4.30%
2-Year Certificate $0.01 4.12% 4.20%
3-Year Certificate $0.01 3.93% 4.00%
5-Year Certificate $0.01 3.78% 3.85%

Jumbo Certificates1

Term Minimum Balance Rate APY
1-Year Jumbo Certificate $100,000 4.84% 4.95%
2-Year Jumbo Certificate $100,000 4.31% 4.40%

Bump Certificates2

Term Minimum Balance Rate APY
3-Year Bump Certificate $0.01 3.59% 3.65%
3-Year IRA/HSA Bump Certificate $0.01 3.60% 3.65%
5-Year Bump Certificate $0.01 3.45% 3.50%
5-Year IRA Bump Certificate $0.01 3.45% 3.50%

You're in good hands

General Electric Credit Union is federally insured by the National Credit Union Association (NCUA). Because of this, the NCUA insures your funds with the Credit Union up to $250,000 per accountholder and per ownership category. Not sure if your accounts fall under this umbrella? Use the NCUA share insurance estimator to determine if you're covered – or if there's a gap that needs to be addressed. 

If any of your funds fall outside of NCUA insurance, contact a GECU team member to discuss strategies to expand your coverage. 

Three easy ways to open a certificate

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

Money Minutes Blog

3 Misconceptions About High-Yield Savings Accounts

When interest rates increase, it can affect your financial life in several ways – some good, some bad. One silver lining is that financial institutions often increase their deposit rates in response to rate hikes. 

Read more
Improve Your Certificate Vocabulary and Start Saving Smarter

Saving for the future can feel like swimming upstream – especially during periods of high inflation when the cost of everything goes up. That’s why you need a savings solution that propels your money forward. 

Read more
3 Reasons to Save with a Short-Term Certificate

When it comes to saving your hard-earned money, you have options. One is a certificate, which you can open through a credit union to grow your money for a set term.

Read more

Say hello to Simply Free Checking

With a mobile app that's easy to use, Simply Free Checking is easy to love.