Certificates

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

Ready, set, grow

  • 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.

  • Competitive rates
  • 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 

Certificates4

Term Minimum Balance Rate APY
3-Month Certificate $0 3.45% 3.50%
6-Month Certificate $0 4.51% 4.60%
9-Month Certificate $0 4.60% 4.70%
1-Year Certificate $0 4.89% 5.00%
18-Month Certificate $0 4.17% 4.25%
2-Year Certificate $0 4.31% 4.40%
3-Year Certificate $0 4.55% 4.65%
5-Year Certificate $0 4.65% 4.75%

Jumbo Certificates4

Term Minimum Balance Rate APY
1-Year Jumbo Certificate $100,000 5.27% 5.40%
2-Year Jumbo Certificate $100,000 4.51% 4.60%
1-Year Jumbo+ Certificate $250,000 5.46% 5.60%
2-Year Jumbo+ Certificate $250,000 4.65% 4.75%

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

How You Can Take Advantage of Rising Interest Rates

The Federal Reserve – also referred to as the Fed – is the central bank of the United States. You may have heard their name in the news lately because they are tasked with addressing anything that threatens the U.S. economy’s ability to function as smoothly as possible.

Read more
3 Steps to Take in Response to Interest Rate Hikes

You’ve likely heard that the Federal Reserve (Fed) raised interest rates again. This time, it was the largest rate increase since 1994.1

Read more
3 Myths Millennials Should Know About Certificates

Whether you’re an older millennial or you barely made the cut being born in 1996, you're likely interested in learning ways to grow your money, right? Enter, certificates! Learn more about these fixed-rate accounts and how they can help you reach financial goals. 

Read more

Say hello to Simply Free Checking

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