GFA Federal Credit Union
 

Term Share (CD) and IRA Certificates

Save for your future, whether that is retirement, education expenses, or saving for a rainy day. GFA has options to help you grow your finances.

Opening a Term Share or IRA Certificate will offer beneficial features, including earning higher rates of interest than savings accounts and customized terms to fit your specific needs. 

  • Term Share Certificates

    Offering terms from 3 months up to 7 years.

    Features:

    • Earns a higher rate of interest than a savings account
    • Customized terms 
    • Interest can compound, be paid by check, or transferred to an account monthly (min. $10.00)

    5 months at 3.80% APY*
    10 months at 3.70% APY*
    15 months at 3.60% APY*
    25 months at 3.20% APY*

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    *Annual Percentage Yield (APY). GFA Membership account required. Membership to GFA Credit Union requires a $10 balance in a savings or checking account. Minimum $500.00 to open. Early withdrawal is subject to penalty. Rates are subject to change without notice.

    Term
    Minimum Balance to Earn APY
    Annual Percentage Yield (APY)
    Dividend Rate
    Minimum to Open
    Term3 Month Special
    Minimum Balance to Earn APY$500.00
    3.75%
    3.69%
    Minimum to Open $500.00
    3 < 6 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.20%
    Dividend Rate0.20%
    Minimum to Open $500.00
    Term5 Month Special
    Minimum Balance to Earn APY$500.00
    3.80%
    3.74%
    Minimum to Open $500.00
    6 Month Special
    Minimum Balance to Earn APY$500.00
    3.75%
    3.69%
    Minimum to Open $500.00
    Term6 < 12 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.25%
    Dividend Rate0.25%
    Minimum to Open $500.00
    8 Month Special*
    Minimum Balance to Earn APY$1,000.00
    4.00%
    Dividend Rate3.93%
    Minimum to Open $1,000.00
    Term10 Month Special
    Minimum Balance to Earn APY$500.00
    3.70%
    Dividend Rate3.64%
    Minimum to Open $500.00
    Term12 < 24 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.35%
    Dividend Rate0.35%
    Minimum to Open $500.00
    Term15 Month Special
    Minimum Balance to Earn APY$500.00
    3.60%
    Dividend Rate3.54%
    Minimum to Open $500.00
    Term24 < 36 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.40%
    Dividend Rate0.40%
    Minimum to Open $500.00
    Term25 Month Special
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)3.20%
    Dividend Rate3.15%
    Minimum to Open $500.00
    Term36 < 48 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.60%
    Dividend Rate0.60%
    Minimum to Open $500.00
    Term48 < 60 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.75%
    Dividend Rate0.75%
    Minimum to Open $500.00
    Term60 =/< 84 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.85%
    Dividend Rate0.85%
    Minimum to Open $500.00
    Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
    Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.
    *$1,000.00 of new money to GFA is required to open.
  • IRA Certificates

    All fixed term IRA certificates of 12 months or longer are available as a traditional, Roth, Educational or SEP IRA.

    Features:

    • Earns a higher rate of interest than a savings account
    • Customized terms 
    • Earn more for your retirement years

    5 months at 3.80% APY*
    10 months at 3.70% APY*
    15 months at 3.60% APY*
    25 months at 3.20% APY*

    Stop in your local branch to have a Better Banking Representative assist you in opening any of our IRA Certificates.

    *Annual Percentage Yield (APY)
    For account qualifications, please refer to our terms and conditions.​

    Term
    Minimum Balance to Earn APY
    Annual Percentage Yield (APY)
    Dividend Rate
    Minimum to Open
    Term3 Month Special
    Minimum Balance to Earn APY$500.00
    3.75%
    3.69%
    Minimum to Open $500.00
    3 < 6 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.20%
    Dividend Rate0.20%
    Minimum to Open $500.00
    Term5 Month Special
    Minimum Balance to Earn APY$500.00
    3.80%
    3.74%
    Minimum to Open $500.00
    6 Month Special
    Minimum Balance to Earn APY$500.00
    2.75%
    2.72%
    Minimum to Open $500.00
    Term6 < 12 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.25%
    Dividend Rate0.25%
    Minimum to Open $500.00
    8 Month Special*
    Minimum Balance to Earn APY$1,000.00
    4.00%
    Dividend Rate3.93%
    Minimum to Open $1,000.00
    Term10 Month Special
    Minimum Balance to Earn APY$500.00
    3.70%
    Dividend Rate3.64%
    Minimum to Open $500.00
    Term12 < 24 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.35%
    Dividend Rate0.35%
    Minimum to Open $500.00
    Term15 Month Special
    Minimum Balance to Earn APY$500.00
    3.60%
    Dividend Rate3.54%
    Minimum to Open $500.00
    Term24 < 36 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.40%
    Dividend Rate0.40%
    Minimum to Open $500.00
    Term25 Month Special
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)3.20%
    Dividend Rate3.15%
    Minimum to Open $500.00
    Term36 < 48 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.60%
    Dividend Rate0.60%
    Minimum to Open $500.00
    Term48 < 60 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.75%
    Dividend Rate0.75%
    Minimum to Open $500.00
    Term60 =/< 84 Months
    Minimum Balance to Earn APY$500.00
    Annual Percentage Yield (APY)0.85%
    Dividend Rate0.85%
    Minimum to Open $500.00
    Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
    Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.
    *$1,000.00 of new money to GFA is required to open.
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