CDs

Certificates of Deposit (CD)(2)

A CD is a CD, right? Not at GECU. We have CDs to help you save no matter what stage of life you’re in. Whether you’re a first time saver or a savvy investor, we have certificates of deposit to help you reach your investment goals.

Every savings plan needs diversity. Round out your plan with any one of our fixed-rate, short- or long-term CDs. We offer a variety of terms, from 3 months to 60 months, with minimum investments of $50, $1,000 and $2,500 based on your savings goal and comfort level.

Types of Certificates of Deposits(2)

No Excuse Savers CD(2)

Have trouble saving money? We make saving easy. Once you open your account, you can deposit as much as you want, whenever you want for a year. Here’s the best part — to help you save for something special, we’ll keep your money safely on deposit until the 12 months are over. Now there’s no excuse not to save!

SmartStep CD(2)

Looking for more control when investing your money? We’ve got just what you need. Our 24-month variable-rate CD is ideal for the investor who wants more flexibility. Open your SmartStep CD and you have the option to increase your interest rate once before your CD matures. With the SmartStep CD, you have the best of both worlds.

Senior Privilege Program

Age has its privileges, especially for members 60 years and older. And quite frankly, you deserve it. Our Senior Privilege Program offers extra bonus points on certificates of deposit. Click here to learn more about our Senior Privilege Program.

Bump-up CD(2)

Ability to add to the CD at any time. Bump up the rate once during the term of the CD.

CD Comparison


All 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.

(1)TruStage® Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth LLC. GoHealth LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Vermont and Rhode Island. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Disclaimer: GECU does not endorse the organization(s) associated with the TruStage Health Insurance Program and, hereby disclaims any responsibility of such organization(s). GECU does not represent either the third party or the member if the two enter into a transaction.

(2)Early-withdrawal Penalty — Accounts will be cancelled if the balance drops below the minimum amount required for the term of the account and an early-withdrawal penalty may apply. Early-withdrawal penalties for accounts with terms of 3 and 6 months is 30 days of interest (whether earned or not); 90 days of interest (whether earned or not) for accounts with a term of 12 months; 150 days of interest (whether earned or not) for accounts with a term of 18 and 24 months; 240 days of interest (whether earned or not) for accounts with a term of 30, 36 and 48 months; and 300 days of interest (whether earned or not) for accounts with a term of 60 months.