Watch Your Money Grow with a 5.00% APY** 18-Month Certificate

Generations FCU is now offering an 18-Month Certificate, with a
5.00% APY**, for a LIMITED TIME.

  • The special rate of 5.00% APY** (Dividend Rate 4.89%) applies to 18-Month Certificates and 18-Month Jumbo Certificates (does not include IRAs)
  • Open an account with as little as $1,000
  • Visit a Generations FCU Branch to open your account today.


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.

Open an Account Today!

Regular Certificate

Term*Dividend RateAPY**
6 months0.90%0.90%
12 months2.18%2.20%
18 months4.89%5.00%
24 months2.37%2.40%
36 months2.62%2.65%
48 months2.62%2.65%
60 months3.30%3.35%

*$1,000 minimum balance
**APY is Annual Percentage Yield. APY is effective as of 02/15/2024.
Published rates and 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 dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.