Rates effective as of 3/1/2024

Basic Savings Learn More

Balance Dividend Rate APY*
$0.01 - $5,000 0.10% 0.10%
$5,000+ 0.10% 0.10%

Share Certificates Learn More

Term Minimum to Open Rate APY*
6 months $1,000 4.889% 5.00%
12 months $1,000 4.649% 4.75%
18 months $1,000 4.409% 4.50%
24 months $1,000 4.169% 4.25%
36 months $1,000 3.928% 4.00%
48 months $1,000 3.687% 3.75%
60 months $1,000 3.445% 3.50%

 

*APY = Annual Percentage Yield. Rate subject to change daily. Membership eligibility required. Federally insured by NCUA. Penalties for early withdrawal. 

Clubhouse Certificates

Term Minimum to Open Rate APY*
12 months $250 4.649% 4.75%
24 months $250 4.169% 4.25%
36 months $250 3.928% 4.00%

*APY = Annual Percentage Yield. Rate subject to change daily. Membership eligibility required. Federally insured by NCUA. Penalties for early withdrawal. Penalty for early withdrawal.

Credit Union Clubhouse is a program specially designed to meet the savings needs of our younger members between the ages of birth and 18.

Other Savings

Account Rate APY*
Christmas Club 0.50% 0.50%
IRA Passbook Savings 0.50% 0.50%
Health Savings Account (Under $25,000) 0.75% 0.75%
Health Savings Account ($25,000 and Over) 1.49% 1.50%
Saver's Sweepstakes Account (Up to $2,500) 0.50% 0.50%
Saver's Sweepstakes Account ($2,500 & Up) 0.10% 0.10%

IRA Certificates Learn More

Term Minimum to Open Rate APY*
12 months $500 4.667% 4.75%
18 months $500 4.426% 4.50%
24 months $500 4.184% 4.25%
36 months $500 3.941% 4.00%
48 months $500 3.698% 3.75%
60 months $500 3.455% 3.50%

 

*APY = Annual Percentage Yield. Rate subject to change daily. Membership eligibility required. Federally insured by NCUA. Penalties for early withdrawal. 

NEW Youth Certificates

Term Minimum to Open Rate APY*
Kick Start CD (Ages 0-12) $100 4.889% 5.00%
Goal Setter CD (Ages 13-18) $100 5.841% 6.00%

Maximum contribution limit for each youth CD product is $5,000 

Kick Start CD Disclosures

*APY = Annual percentage yield. One Kick Start CD per child. Member must be age 0-12. Cannot be opened as a UTMA account. Penalty of 180 days in dividend accrual will be imposted for early withdrawal. Certificate must be in child's name and can be added to at any time up to the limit of $5,000. Account must be opened with a minimum of $100. Contact GECU for complete details. 

Goal Setter CD Disclosures

*APY = Annual percentage yield. One Goal Setter CD per child. Member must be age 13-18. Cannot be opened as a UTMA account. Penalty of 180 days in dividend accrual will be imposted for early withdrawal. Certificate must be in child's name and can be added to at any time up to the limit of $5,000. Account must be opened with a minimum of $100. Contact GECU for complete details. 

Checking Accounts

Account Minimum to Earn Dividends Rate APY*
Basic Checking $0 0.00% 0.00%
Choice Checking $500 0.10% 0.10%
Business $10,000 0.35% 0.35%
Kasasa Rewards $0 2.25% Details

Elite Money Market Learn More

Balance Rate APY*
$25 - $9,999 1.243% 1.250%
$10,000 - $24,999 1.292% 1.300%
$25,000 - $49,999 1.342% 1.350%
$50,000 - $74,999 1.391% 1.400%
$75,000 - $99,999 1.440% 1.450%
$100,000 - $249,999 1.490% 1.500%
$250,000+ 1.736% 1.750%

No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500. $25 minimum deposit to open. 

Loan Rates

Home Mortgage Loan Learn More

Type APR*
5 year fixed rate As low as 5.500%
7 year fixed rate As low as 5.625%
10 year fixed rate As low as 5.750%
12 year fixed rate As low as 5.875%
15 year fixed rate As low as 6.000%
Other rates/terms Please call for current rates
Construction Loan As low as 4.990%

Home Equity Loan Learn More

Term APR*
5 year fixed rate As low as 5.875%
7 year fixed rate As low as 6.125%
10 year fixed rate As low as 6.375%
15 year fixed rate As low as 6.625%
Home Equity Line of Credit (HELOC) As low as 8.500%

Auto and Motorcycle Loan Learn More

Type APR*
Vehicle Age  
2023 and newer (<15,000 miles): 1-36 months As low as 5.49%
2023 and newer (<15,000 miles): 37-48 months As low as 5.74%
2023 and newer (< 15,000 miles): 49-60 months As low as 5.99%
2023 and newer (< 15,000 miles): 61-72 months As low as 6.49%
2023 and newer (< 15,000 miles): 73-84 months As low as 6.99%
   
Vehicle Age  
8 years or newer: 1-36 months As low as 5.99%
8 years or newer: 37-48 months As low as 6.24%
8 years or newer: 49-60 months As low as 6.49%
8 years or newer: 61-72 months As low as 6.99%
8 years or newer: 73-84 months As low as 7.49%
   
Vehicle Age  
9 years or older: 1-36 months As low as 7.99%
9 years or older: 37-48 months As low as 8.24%
9 years or older: 49-60 months As low as 8.49%

Recreational Vehicle Loan Learn More

Type APR*
Vehicle Age  
2023 and newer (<15,000 miles): 1-36 months As low as 6.49%
2023 and newer (<15,000 miles): 37-48 months As low as 6.74%
2023 and newer (< 15,000 miles): 49-60 months As low as 6.99%
2023 and newer (< 15,000 miles): 61-72 months As low as 7.49%
2023 and newer (< 15,000 miles): 73-84 months As low as 7.99%
   
Vehicle Age  
8 years or newer: 1-36 months As low as 6.99%
8 years or newer: 37-48 months As low as 7.24%
8 years or newer: 49-60 months As low as 7.49%
8 years or newer: 61-72 months As low as 7.99%
8 years or newer: 73-84 months As low as 8.49%
   
Vehicle Age  
9 years or older: 1-36 months As low as 8.99%
9 years or older: 37-48 months As low as 9.24%
9 years or older: 49-60 months As low as 9.49%
   
Bicycle Loan As low as 3.99%

Personal Loans Learn More

Type APR*
Up to $10,000 As low as 10.99%
$10,000.01+ As low as 12.99%
Over $15,000 Contact Credit Union
Kwik Cash Line of Credit 8.99%
VISA Credit Card 8.99%

*APR = Annual Percentage Rate, *APY = Annual Percentage Yield. Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.