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

No risk.
High reward. 

  • No minimum deposit
  • 60-day rate guarantee1
  • 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.

  • No monthly maintenance fee.
  • No minimum deposit requirement (with the exception of our Jumbo Certificates). 
  • Federally insured up to $250,000 by the NCUA.

60-day rate guarantee

Feel confident as our certificates offer a 60-day rate guarantee! If the rate increases on your chosen certificate opened on or after August 1, 2022, you can request a rate adjustment.1 


Term Minimum Balance Rate APY
3-Month Certificate $0 1.34% 1.35%
6-Month Certificate $0 2.23% 2.25%
9-Month Certificate $0 2.23% 2.25%
1-Year Certificate $0 2.47% 2.50%
18-Month Certificate $0 2.57% 2.60%
2-Year Certificate $0 2.72% 2.75%
3-Year Certificate $0 3.45% 3.50%
5-Year Certificate $0 3.45% 3.50%

Jumbo Certificates4

Term Minimum Balance Rate APY
1-Year Jumbo Certificate $100,000 2.72% 2.75%
2-Year Jumbo Certificate $100,000 2.96% 3.00%
1-Year Jumbo+ Certificate $250,000 2.96% 3.00%
2-Year Jumbo+ Certificate $250,000 3.20% 3.25%

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 account type. 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 ways to open a certificate

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

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