Deposit Rates

Effective Date:

Checking Accounts

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Product Preferred Choice Checking

Minimum Balance to Earn APY*$0.01 - $25,000.00

$25,000.01 and above

Annual Percentage Yield (APY)0.25%

0.05%

Dividend Rate0.25%

0.05%

Minimum to Open$50.00

Open Account

Product Right Choice Checking

Minimum Balance to Earn APY*$0.01 - $199.99

$200.00 - $2,499.99

$2,500.01 and above

(rate tier applies to entire balance)

Annual Percentage Yield (APY)0.00%

0.01%

0.02%

Dividend Rate0.00%

0.01%

0.02%

Minimum to Open$200.00

Open Account

Product Easy Choice Checking

Minimum Balance to Earn APY*$0.00

Annual Percentage Yield (APY)0.00%

Dividend Rate0.00%

Minimum to Open$25.00

Open Account

ProductSecond Chance Checking

Minimum Balance to Earn APY*$0.00

Annual Percentage Yield (APY)0.00%

Dividend Rate0.00%

Minimum to Open$25.00

Open Account

*(APY) Annual Percentage Yield. Rates are variable and subject to change without notice. Fees may reduce earnings. Other rates and accounts available. Speak with a Better Banking Representative for more information or view our Terms and Conditions.

Savings Accounts

Account

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

AccountStatement Savings

Minimum Balance to Earn APY*$0.01

$50.00

$500.00

$5,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.10%

0.12%

Dividend Rate0.00%

0.05%

0.10%

0.12%

Minimum to Open$30.00

Open Account

AccountHigh Yield Savings

Minimum Balance to Earn APY*$0.01

$50.00

$500.00

$5,000.00

$25,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.15%

0.15%

0.25%

Dividend Rate0.00%

0.05%

0.15%

0.15%

0.25%

Minimum to Open$2,500.00

Open Account

AccountSmart Choice Savings**

Minimum Balance to Earn APY*$0.01

$500.00

$2,000.00

$5,000.00+

0.50%

0.25%

0.20%

0.12%

Dividend Rate0.50%

0.25%

0.20%

0.12%

Minimum to Open$30.00

Open Account

Account Fusion Savings

Minimum Balance to Earn APY*$0.01

$25.00

Annual Percentage Yield (APY)0.00%

0.02%

Dividend Rate0.00%

0.02%

Minimum to Open$10.00

Open Account

Account Rewards Savings

Minimum Balance to Earn APY*$0.01

$50.00

$5,000.00

$10,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.10%

0.12%

Dividend Rate0.00%

0.05%

0.10%

0.12%

Minimum to Open$30.00

Open Account

Account Student Tycoon

Minimum Balance to Earn APY*$25.00

Annual Percentage Yield (APY)0.12%

Dividend Rate0.12%

Minimum to Open$15.00

Open Account

AccountPlatinum Savings
(age 50+)

Minimum Balance to Earn APY*$0.01

$50.00

$500.00

$5,000.00

$25,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.10%

0.15%

0.25%

Dividend Rate0.00%

0.05%

0.10%

0.15%

0.25%

Minimum to Open$50.00

Open Account

AccountGold Key
(age 50+)

Minimum Balance to Earn APY*$0.01

$50.00

$500.00

$5,000.00

$25,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.10%

0.15%

0.17%

Dividend Rate0.00%

0.05%

0.10%

0.15%

0.17%

Minimum to Open$5,000.00

Open Account

AccountSavings IRA

Minimum Balance to Earn APY*$0.01

$50.00

$500.00

$5,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.10%

0.12%

Dividend Rate0.00%

0.05%

0.10%

0.12%

Minimum to Open$50.00

Open Account

*(APY) Annual Percentage Yield. Rates are variable and subject to change without notice. Fees may reduce earnings. Other rates and accounts are available speak with a Better Banking Representative for more information or view our Terms and Conditions.

**Requires active GFA Checking Account.

Money Market

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Money Market Rates

Minimum Balance to Earn APY*$0.01 - $2,499.99

$2,500.00 - $4,999.99

$5,000.00 - $99,999.99

$100,000.00 and above

Annual Percentage Yield (APY)0.00%

0.10%

0.15%

0.25%

Dividend Rate0.00%

0.10%

0.15%

0.25%

Minimum to Open$2,500.00

Open Account

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*(APY) Annual Percentage Yield. Rates are variable and subject to change without notice. Fees may reduce earnings.

Cash Management Accounts*

Product

Minimum Balance to Earn APY**

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Cash Management Rates

Minimum Balance to Earn APY*$0.01 - $499.99

$500.00 - $2,499.99

$2,500.00 - $9,999.99

$10,000.00 - $24,999.99

$25,000.00 - $49,999.99

$50,000.00 - $99,999.99

$100,000.00 and above

Annual Percentage Yield (APY)0.00%

0.05%

0.10%

0.10%

0.15%

0.15%

0.25%

Dividend Rate0.00%

0.05%

0.10%

0.10%

0.15%

0.15%

0.25%

Minimum to Open$2,500.00

*This is not an active product. Rates are posted for reference purposes only for members currently with active cash management accounts. The minimum balance required to avoid a service fee of $7.50/month is $2,500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY.

**(APY) Annual Percentage Yield. Rates are variable and subject to change without notice. Fees may reduce earnings.

Term Share Certificates

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Product 3 - 6 Months

Minimum Balance to Earn APY**$500.00

Annual Percentage Yield (APY)0.40%

Dividend Rate0.40%

Minimum to Open$500.00

Open Account

Product 6 - 12 Months

Minimum Balance to Earn APY**$500.00

Annual Percentage Yield (APY)0.65%

Dividend Rate0.65%

Minimum to Open$500.00

Open Account

Product 12 - 24 Months

Minimum Balance to Earn APY**$500.00

Annual Percentage Yield (APY)0.80%

Dividend Rate0.80%

Minimum to Open$500.00

Open Account

Product 24 - 36 Months

Minimum Balance to Earn APY**$500.00

Annual Percentage Yield (APY)1.00%

Dividend Rate1.00%

Minimum to Open$500.00

Open Account

Product 36 - 48 Months

Minimum Balance to Earn APY**$500.00

Annual Percentage Yield (APY)1.10%

Dividend Rate1.09%

Minimum to Open$500.00

Open Account

Product 48 - 60 Months

Minimum Balance to Earn APY**$500.00

Annual Percentage Yield (APY)1.15%

Dividend Rate1.14%

Minimum to Open$500.00

Open Account

Product 60 - 84 Months

Minimum Balance to Earn APY**$500.00

1.20%

1.19%

Minimum to Open$500.00

Open Account

Existing 24-month Bump-up term share account holders, please call or visit your local GFA for current rates.

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*(APY) Annual Percentage Yield. Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.

*Annual Percentage Yield (APY). Rates subject to change without notice. A penalty may be imposed for early withdrawal. Minimum $500 to open and maximum of $250,000 per household. New money only. Requires GFA checking account. If account is closed during the duration of the certificate, the 2.18% APY will be reduced to 1.25% APY after the first day of the following month. **Offer only valid with copy of GFA distributed rain check until 2/28/18.

Student Saver Certificate

Term

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Term 12 Months

Minimum Balance to Earn APY**$250.00

Annual Percentage Yield (APY)1.00%

Dividend Rate1.00%

Minimum to Open$250.00

Open Account

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*(APY) Annual Percentage Yield. Student Saver - Savvy student savers 18 or younger may take advantage of this special fixed term share certificate. Penalties for early withdrawal of principal are calculated as 90 days - 365 days simple interest on the amount of Principal withdrawn. Rates are subject to change without notice.

IRA Share Certificates

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Product 3 - 6 Months