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 Free Checking+
Minimum Balance to Earn APY$0.01 - $500.00

$500.01 - $10,000.00

$10,000.01 +
Annual Percentage Yield (APY)5.00%

3.00%

0.01%
Dividend Rate4.89% 

2.96%

0.01%
Minimum to Open $25.00

Open Account
Product Free Checking
Minimum Balance to Earn APY$0.00
Annual Percentage Yield (APY)0.00%
Dividend Rate0.00%
Minimum to Open $25.00

Open Account
Product18/65 Checking
Minimum Balance to Earn APY$0.00
Annual Percentage Yield (APY)0.00%
Dividend Rate0.00%
Minimum to Open $10.00
ProductNew Start Checking
Minimum Balance to Earn APY$0.00
Annual Percentage Yield (APY)0.00%
Dividend Rate0.00%
Minimum to Open $25.00
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

Product
Minimum Balance to Earn APY
Annual Percentage Yield (APY)
Dividend Rate
Minimum to Open
ProductStatement Savings
Minimum Balance to Earn APY$0.01

$50.00

$500.00

$5,000.00
Annual Percentage Yield (APY)0.00%

0.05%

0.05%

0.05%
Dividend Rate0.00%

0.05%

0.05%

0.05%
Minimum to Open $30.00

Open Account
ProductFusion Savings
Minimum Balance to Earn APY$0.01

$25,000.00+
Annual Percentage Yield (APY)2.60%

1.60%
Dividend Rate2.57%

1.59%
Minimum to Open $1,000.00

Open Account
Product18/65 Savings
Minimum Balance to Earn APY$0.01

$10.00+
Annual Percentage Yield (APY)0.00%

0.05%
Dividend Rate0.00%

0.05%
Minimum to Open $10.00
ProductSavings IRA
Minimum Balance to Earn APY$0.01

$50.00

$500.00

$5,000.00
Annual Percentage Yield (APY)0.00%

0.05%

0.05%

0.05%
Dividend Rate0.00%

0.05%

0.05%

0.05%
Minimum to Open $50.00
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.

Term Share Certificates

Term
Minimum Balance to Earn APY
Annual Percentage Yield (APY)
Dividend Rate
Minimum to Open
Term3 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)3.95%
Dividend Rate3.88%
Minimum to Open $500.00

Open Account
4 < 6 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.20%
Dividend Rate0.20%
Minimum to Open $500.00

Open Account
Term5 Months
Minimum Balance to Earn APY$500.00
3.80%
3.74%
Minimum to Open $500.00

Open Account
Term6 < 12 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.25%
Dividend Rate0.25%
Minimum to Open $500.00

Open Account
Term10 Months
Minimum Balance to Earn APY$500.00
3.70%
Dividend Rate3.64%
Minimum to Open $500.00

Open Account
Term12 < 24 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.35%
Dividend Rate0.35%
Minimum to Open $500.00

Open Account
Term15 Months
Minimum Balance to Earn APY$500.00
3.60%
Dividend Rate3.54%
Minimum to Open $500.00

Open Account
Term24 < 36 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.40%
Dividend Rate0.40%
Minimum to Open $500.00

Open Account
Term25 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)3.20%
Dividend Rate3.15%
Minimum to Open $500.00

Open Account
Term36 < 48 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.60%
Dividend Rate0.60%
Minimum to Open $500.00

Open Account
Term48 < 60 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.75%
Dividend Rate0.75%
Minimum to Open $500.00

Open Account
Term60 =/< 84 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)0.85%
Dividend Rate0.85%
Minimum to Open $500.00

Open Account
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.

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$100.00
Annual Percentage Yield (APY)4.00%
Dividend Rate3.93%
Minimum to Open $100.00

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

Term
Minimum Balance to Earn APY
Annual Percentage Yield (APY)
Dividend Rate
Minimum to Open
Term3 Months
Minimum Balance to Earn APY$500.00
Annual Percentage Yield (APY)3.95%
Dividend Rate3.88%
Minimum to Open $500.00
4 < 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
3.80%
Dividend Rate3.74%
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
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 Months
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 Months
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.
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