Business deposit rates
Deposit account rates determine what you, the accountholder, gain from keeping money in an account or certificate. Take a look at our current rates and secure the best business savings accounts, checking accounts, and more, for your needs.
| Deposit Amount | Rate | APY |
|---|---|---|
| $5.00 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Deposit Amount | Rate | APY |
|---|---|---|
| $10,000 - $24,999.99 | .05% | .05% |
| $25,000+ | .10% | .10% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Premier Business Checking: You must deposit $25 to open a GECU business checking account. The account must be funded within 30 calendar days. We use the daily balance method to calculate dividends on dividend-bearing accounts. 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. APY will vary due to the account activity and balance. If your average daily balance is below $10,000, you will incur a $15 monthly maintenance fee. To earn dividends, you must have a balance greater than $10,000. The tiers are as follows: Tier 1 daily balance $10,000 to $24,999.99; Tier 2 daily balance $25,000 or more.
Limited-time introductory offer
Earn 3.75% Intro APY1 for the first 90 days with a minimum deposit of $25,000 when you open a Business Advantage Money Market account.| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $24,999.99 | 1.79% | 1.80% |
| $25,000 - $99,999.99 | 1.79% | 1.80% |
| $100,000 - $499,999.99 | 1.79% | 1.80% |
| $500,000 - $999,999.99 | 1.79% | 1.80% |
| $1,000,000 and up | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
Business Advantage Money Market Account: APY = Annual Percentage Yield. There is no minimum balance requirement to open this account. Funding must be received within 30 calendar days of account opening. Dividends begin to accrue no later than the business day we receive the deposit to your account. To earn dividends, you must have a balance greater than $0. Rates earned are based on balances, calculated daily, and compounded to the account monthly. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of: $0.01 to $24,999.99; Tier 2: $25,000 to $99,999.99; Tier 3: $100,000 to $499,999.99; Tier 4: $500,000 to $999,999.99; Tier 5: $1,000,000 or more. All tiers are subject to variable rate pricing. Under no circumstance will the rate for any tier be less than 0.10%. Fees may reduce earnings.
IOLTA
| Deposit Amount | Rate | APY |
|---|---|---|
| $0.01 | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
Certificate specials
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 13-Month 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.
11-Month No Penalty Certificate
| 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.
| Deposit Amount | Rate | APY |
|---|---|---|
| $5.00 | .01% | .01% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
| Deposit Amount | Rate | APY |
|---|---|---|
| $10,000 - $24,999.99 | .05% | .05% |
| $25,000+ | .10% | .10% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 2.22.2024.
Premier Business Checking: You must deposit $25 to open a GECU business checking account. The account must be funded within 30 calendar days. We use the daily balance method to calculate dividends on dividend-bearing accounts. 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. APY will vary due to the account activity and balance. If your average daily balance is below $10,000, you will incur a $15 monthly maintenance fee. To earn dividends, you must have a balance greater than $10,000. The tiers are as follows: Tier 1 daily balance $10,000 to $24,999.99; Tier 2 daily balance $25,000 or more.
Limited-time introductory offer
Earn 3.75% Intro APY1 for the first 90 days with a minimum deposit of $25,000 when you open a Business Advantage Money Market account.| Deposit Amount | Rate | APY |
|---|---|---|
| Up to $24,999.99 | 1.79% | 1.80% |
| $25,000 - $99,999.99 | 1.79% | 1.80% |
| $100,000 - $499,999.99 | 1.79% | 1.80% |
| $500,000 - $999,999.99 | 1.79% | 1.80% |
| $1,000,000 and up | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
Business Advantage Money Market Account: APY = Annual Percentage Yield. There is no minimum balance requirement to open this account. Funding must be received within 30 calendar days of account opening. Dividends begin to accrue no later than the business day we receive the deposit to your account. To earn dividends, you must have a balance greater than $0. Rates earned are based on balances, calculated daily, and compounded to the account monthly. Dividend rates are based on the account balance and account tier. The tiers are as follows: Tier 1 daily balance of: $0.01 to $24,999.99; Tier 2: $25,000 to $99,999.99; Tier 3: $100,000 to $499,999.99; Tier 4: $500,000 to $999,999.99; Tier 5: $1,000,000 or more. All tiers are subject to variable rate pricing. Under no circumstance will the rate for any tier be less than 0.10%. Fees may reduce earnings.
IOLTA
| Deposit Amount | Rate | APY |
|---|---|---|
| $0.01 | 1.79% | 1.80% |
Annual Percentage Yields (APYs) shown are as of the last dividend declaration date 1.9.2026.
Business Certificates
Certificate specials
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 13-Month 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.
11-Month No Penalty Certificate
| 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.
Business Disclosures
General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.
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