GFA Federal Credit Union
 

Term Share 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. 

Open an Account

 

5-month Term Share CD Special

Grow your savings FAST with a 5-month 6% APY* Term Share CD! Available July 15 - 29, 2025 

Open Today

  • 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 6.00% APY* (available July 15 - 29, 2025)
    10 months at 4.10% APY*
    15 months at 4.10% APY*
    25 months at 3.40% APY*

    Open


    *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.

  • 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 6.00% APY* (available July 15 - 29, 2025)
    10 months at 4.10% APY*
    15 months at 4.10% APY*
    25 months at 3.40% 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 < 6 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.20%
Dividend Rate0.20%
Minimum to Open $500.00
Term5 Months
Minimum Balance to Earn APY$500.00
6.00%
5.84%
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
Term10 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)4.10%
Dividend Rate4.02%
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 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)4.10%
Dividend Rate4.02%
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 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)3.40%
Dividend Rate3.35%
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.
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