IRA, CERTIFICATE & MONEY MARKET ACCOUNTS

Save With a Certificate Account

Grow your savings with a GECU Certificate account!1 Choose the certificate and term that fit your needs, earn higher dividends, and get ready to reach your financial goals.

Certificate of Deposit

See your money grow in a low-risk, fixed-term certificate account.

Save for anything from a vacation or property taxes to a down payment for a new home or retirement!

Certificate of Deposit

Competitive certificate account dividends

Your money earns dividends while in a certificate account. Some of our certificate accounts offer the ability to bump up the rate once during the certificate term.2

Certificate of Deposit

Term flexibility

Choose terms between three and 60 months.

Certificate of Deposit

Add money

You can transfer money into a 12-month certificate account anytime or at maturity for other certificate accounts to maximize your earnings over the life of the term.

Certificate of Deposit

Low-deposit certificate accounts available

We have many certificate account options available with a wide range of minimum opening deposits that let you choose the certificate account that works for you and your savings goals.

COMPARE OUR ACCOUNT OPTIONS

CERTIFICATE ACCOUNTS

Bump-up Certificate Account

Lock in your dividend rate and then bump it up once during the life of the certificate account1 for continued growth. Your money grows with higher dividends and term options that are right for you!
Lock in your dividend rate and then bump it up once during the life of the certificate account1 for continued growth. Your money grows with higher dividends and term options that are right for you!

Best for: Members who want to take advantage of higher dividends.


  • Bump up the dividend rate once during the term of your certificate account
  • $5,000 minimum balance required for 18-month terms
  • $2,500 minimum balance required for 60-month terms
  • Dividends are paid monthly by a variety of methods
  • Automatically renews3 at the time of maturity if no action is taken

Short-term Certificate Accounts

Diversify your savings strategy with a short-term certificate account.
Diversify your savings strategy with a short-term certificate account.

Best for: Members looking to save for travel, a big purchase or property taxes.


  • $2,500 minimum balance required
  • 3–6-month terms available
  • Dividends are paid on maturity in a variety of methods
  • Automatically renews at the time of maturity if no action is taken

Long-term Certificate Accounts

Earn more dividends with a longer-term certificate account.
Earn more dividends with a longer-term certificate account.

Best for: Members who want to let their money grow for a longer term.


  • $1,000 minimum balance required
  • 18–60-month terms available
  • Dividends are paid monthly or annually by a variety of methods
  • Automatically renews at the time of maturity if no action is taken

12-month Certificate Accounts

Make saving easy! Lock in your rate and add money anytime to watch your savings grow.
Make saving easy! Lock in your rate and add money anytime to watch your savings grow.

Best for: Members looking to create a healthy savings habit.


  • Opening deposits as low as $50 for a 12-month term
  • Add money to your certificate account at any time4
  • Dividends are paid monthly or annually by a variety of methods
  • Automatically renews at the time of maturity if no action is taken

GECU is Here to Answer Your Certificate Account Questions
  • Do certificate accounts compound dividends?
    Yes, certificate accounts compound dividends.
  • What is the lowest amount that I can open a certificate account with?
    We offer different types of certificate accounts with different minimum opening deposit requirements. You can open a GECU 12-month certificate account with as little as $50. Learn more about our 12-month certificate accounts.
  • Am I able to deposit into my certificate account?
    Yes, you can deposit money into a 12-month certificate account and some 18- and 60-month certificate accounts at any time during the term of your certificate account. You can add money to all other certificate accounts at maturity.
  • Am I able to withdraw5 from my certificate account before it matures?
    You may withdraw the compounded dividends before maturity without penalty (except in the case of Credit Builder certificate accounts). However, no dividends will be paid on the amount withdrawn. If you withdraw your principal before the term ends, you will incur an early-withdrawal penalty.
  • What is a “certificate account ladder”?
    A “certificate account ladder” is an investing strategy that divides the amount of money to be invested into equal amounts in a certificate account with different maturity dates.
  • Are my deposits insured?
    Yes, your deposits are insured by NCUA up to $250,000.
  • Is it better to invest my funds?
    Investing funds can come with associated risks and it is best to discuss your options with a financial professional to develop a plan that fits your financial goals. Schedule an appointment with one of our financial advisers to learn more by calling 1.800.772.4328.

 Membership eligibility is required.
1Must have a GECU share account to open a certificate account. A one-time deposit of $10 in a GECU share account is all it takes.
2Option is only available for GECU Bump-up certificate accounts and GECU Smart Step certificate accounts. Please see the GECU rate schedule for more details.
3All terms and conditions are subject to change. Notice will be provided as required by law. Members receive renewal notification no less than 20 days prior to maturity.
4Option is only available for certain certificate accounts. Please see the GECU rate schedule for more details.
5Early-withdrawal Penalty — Accounts will be canceled if the balance drops below the minimum amount required for the term of the account and an early-withdrawal penalty may apply. Please see the GECU rate schedule for more details.

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