Savings Accounts

Certificates: Long Term Savings Accounts that Work for You

Lock-In Great Rates

Bolster your savings with a higher rate of return over a traditional savings account. GFCU members earn a guaranteed rate of return when they open a Certificate Account with as little as $1,000.

Let your deposits work harder for you when you don’t need to access them for a set period of time.

Terms range from 6 to 60 months. Jumbo certificates are also available.

Start earning more in 3 steps:

  • Step 1: Select a term (6, 12, 18, 24, 36, 48 or 60 months)
  • Step 2: Make a deposit.
  • Step 3: Start earning your guaranteed rate of return

Deposits are NCUA insured for up to $250,000.

Regular Certificate

Term*Dividend Rate (APR)Annual Yield (APY)***
6 months0.50%0.50%
12 months0.75%0.75%
18 months0.85%0.85%
24 months0.90%0.90%
36 months0.95%0.95%
48 months1.00%1.00%
60 months1.15%1.15%

*$1,000 minimum balance
***APY is Annual Percentage Yield. APY is effective as of 04/28/2020.

Jumbo Certificate

Term**Dividend Rate (APR)Annual Yield (APY)***
6 months0.55%0.55%
12 months0.80%0.80%
18 months0.90%0.90%
24 months0.95%0.95%
36 months1.00%1.00%
48 months1.05%1.06%
60 months1.20%1.20%

**$100,000 minimum balance
***APY is Annual Percentage Yield. APY is effective as of 04/28/2020.

Ready to Open a Long Term Savings Account?

Start making your financial goals a reality. There are many ways to become a member, and you can establish your membership with just $5. There are also many benefits to becoming a member of a credit union, including access to dividend-yielding savings and deposit accounts, as well as competitive loans and credit products.

Open An Account Today

Questions? Get Contacted:

Published rates and annual percentage yields (APYs) are subject to change daily.

A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.

Share certificates are available with a minimum deposit of $1,000.

Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and interest is compounded monthly. The stated APY assumes principal and interest remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.

Your investments are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency backed by the full faith and credit of the United States Government.