GFA Federal Credit Union

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)0.75%

0.05% - 0.75%
Dividend Rate0.75%

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 after account opening.
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%

0.15%
Dividend Rate0.00%

0.05%

0.10%

0.15%
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%

0.30%

1.00%
Dividend Rate0.00%

0.05%

0.15%

0.30%

1.00%
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+
2.00%

1.50%

1.00%

0.15%
Dividend Rate1.98%

1.49%

1.00%

0.15%
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%

0.15%
Dividend Rate0.00%

0.05%

0.10%

0.15%
Minimum to Open$30.00

Open Account
Account Student Tycoon
Minimum Balance to Earn APY*$25.00
Annual Percentage Yield (APY)0.15%
Dividend Rate0.15%
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%

0.15%

0.30%

1.00%
Dividend Rate0.00%

0.05%

0.15%

0.30%

1.00%
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%

0.20%
Dividend Rate0.00%

0.05%

0.10%

0.15%

0.20%
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%

0.15%
Dividend Rate0.00%

0.05%

0.10%

0.15%
Minimum to Open$50.00

Open Account
*(APY) Annual Percentage Yield Rates are variable and subject to change after account opening.  
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.

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%

0.65%

1.25%
Dividend Rate0.00%

0.10%

0.65%

1.24%
Minimum to Open$2,500.00

Open Account
Rates are variable and subject to change after account opening. Fees may reduce earnings.  Annual Percentage Yield (APY).

Term Share Certificate Rates*

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)0.60%
Dividend Rate0.60%
Minimum to Open$500.00

Open Account
Product 6 - 12 Months
Minimum Balance to Earn APY**$500.00
Annual Percentage Yield (APY)0.85%
Dividend Rate0.85%
Minimum to Open$500.00

Open Account
Product10 Month Special****
Minimum Balance to Earn APY**$10,000.00
Annual Percentage Yield (APY)2.25%
Dividend Rate2.25%
Minimum to Open$10,000.00

Open Account
Product 15 Months Special****
Minimum Balance to Earn APY**$10,000.00
Annual Percentage Yield (APY)2.45%
Dividend Rate2.42%
Minimum to Open$10,000.00

Open Account
Product 12 - 24 Months
Minimum Balance to Earn APY**$500.00
Annual Percentage Yield (APY)1.05%
Dividend Rate1.04%
Minimum to Open$500.00

Open Account
Product 24 - 36 Months
Minimum Balance to Earn APY**$500.00
Annual Percentage Yield (APY)1.35%
Dividend Rate1.34%
Minimum to Open$500.00

Open Account
Product 36 - 48 Months
Minimum Balance to Earn APY**$500.00
Annual Percentage Yield (APY)1.60%
Dividend Rate1.59%
Minimum to Open$500.00

Open Account
Product 48 - 60 Months
Minimum Balance to Earn APY**$500.00
Annual Percentage Yield (APY)1.85%
Dividend Rate1.83%
Minimum to Open$500.00

Open Account
Product 60 - 84 Months
Minimum Balance to Earn APY**$500.00
Annual Percentage Yield (APY)2.05%
Dividend Rate2.03%
Minimum to Open$500.00

Open Account
* Rates subject to change without notice. A penalty may be imposed for early withdrawal.
**Annual Percentage Yield (APY).  Minimum $500 to open and maximum of $300,000 per household.  Requires an active GFA checking account.  New money only.
***Requires a checking account with direct deposit, recurring deposits or recurring ACH debits. Term share needs to be funded with new money. Maximum $350,000 per certificate/household.
****Minimum $10,000.00 to open and maximum of $250,000 per household. New money only. Requires an active GFA checking account. There will be a penalty for early withdrawal.

Bump Up Certificates*

 

Product
Minimum Balance to Earn APY*
Annual Percentage Yield (APY)
Dividend Rate
Minimum to Open
Bump Up Certificate 24 Month Bump Up**
Minimum Balance to Earn APY**$500.00
Annual Percentage Yield (APY)2.10%
Dividend Rate2.08%
Minimum to Open$500.00

Open Account
 
 
*(APY) Annual Percentage Yield.  Rates subject to change without notice. A penalty may be imposed for early withdrawal.
**Bump Up - If rates rise once during the term, you can 'bump up' to the current rate offered.  Limited time offer.

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)1.05%
Dividend Rate1.04%
Minimum to Open$250.00

Open 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 Certificate Rates

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)0.60%
Dividend Rate0.60%
Minimum to Open$500.00

Open Account
Product 6 - 12 Months
Minimum Balance to Earn APY*$500.00
Annual Percentage Yield (APY)0.85%
Dividend Rate0.85%
Minimum to Open$500.00

Open Account
Product 12 - 24 Months
Minimum Balance to Earn APY*$500.00
Annual Percentage Yield (APY)1.05%
Dividend Rate1.04%
Minimum to Open$500.00

Open Account
 
Product 24 - 36 Months
Minimum Balance to Earn APY*$500.00
Annual Percentage Yield (APY)1.35%
Dividend Rate1.34%
Minimum to Open$500.00

Open Account
 
Product 36 - 48 Months
Minimum Balance to Earn APY*$500.00
Annual Percentage Yield (APY)1.60%
Dividend Rate1.59%
Minimum to Open$500.00

Open Account
Product 48 - 60 Months
Minimum Balance to Earn APY*$500.00
Annual Percentage Yield (APY)1.85%
Dividend Rate1.83%
Minimum to Open$500.00

Open Account
Product 60 - 84 Months
Minimum Balance to Earn APY*$500.00
Annual Percentage Yield (APY)2.05%
Dividend Rate2.03%
Minimum to Open$500.00

Open Account
* Rates subject to change without notice. A penalty may be imposed for early withdrawal.  APY (Annual Percentage Yield). Rates subject to change.

Cash Management

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%

0.15%

0.20%

0.40%

0.60%
Dividend Rate0.00%

0.05%

0.10%

0.15%

0.20%

0.40%

0.60%
Minimum to Open$2,500.00

Open Account
Rates are variable and subject to change after account opening. Fees may reduce earnings.  Annual Percentage Yield (APY).

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