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Share Certificate Special

share-cert-holiday-Landing-Page-Image.jpgLimited-Time Specials 

Up to 3.30% Annual Percentage Yield 

GTE Financial is a trusted, not-for-profit credit union of more than 250,000 members, proudly serving Tampa Bay since 1935. We are one of the largest credit unions in the nation and pride ourselves on friendly service and exceptional value, which includes higher yields. 

We've raised the yields on almost every Share Certificate product (also known as a CD at banks), for a limited time. Whether you'd like to open a Share Certificate for $500 or $100,000, we have an option available. 

Open a Share Certificate 

View Share Certificate Rates

Balance Dividend RateAPY*
6 month
1.25%
1.26%
12 month
2.00%
2.02%
18 month
2.25%
2.27%
24 month
2.50%
2.53%
30 month
2.65%
2.68%
36 month
2.80%
2.84%
48 month
2.90%
2.94%
60 month
3.00%
3.04%

More Information:

  1. Open with as little as $500.
  2. We’ve included the Add-on feature** to all Promotional Share Certificates. That means, you can add money at any time during your term, in as little as $20 increments.
  3. There’s no cap to how much you can deposit during this special (typically there is a $6,000 cap).
  4. See how quickly your money can grow! – click for Calculator.
  5. Click here for FAQs!

There are many options for opening a share certificate! Online is the easiest!

  • Call a Member Care Advocate at 1.888.871.2690 ext. 40535
  • Monday - Friday: 7:30am to 6:00pm
  • Saturday: 9am to 1:00pm

Want to earn more?

A Jumbo Share Certificate product is available for every term and earns a .25% higher dividend rate! These products have a minimum of $100,000 to open.

View Share Certificate Jumbo Rates - Over $100K

Balance Dividend RateAPY*
6 month
1.50%
1.51%
12 month
2.25%
2.27%
18 month
2.50%
2.53%
24 month
2.75%
2.78%
30 month
2.90%
2.94%
36 month
3.05%
3.09%
48 month
3.15%
3.20%
60 month
3.25%
3.30%

*APY = Annual Percentage Yield as of 11/28/2018. Existing Regular Share Certificate(s) opened prior to 11/28/2018 are ineligible for the Share Certificate Special Yield. Regular Share Certificate Yields still apply based on the original term Yield. Minimum $500 to open any GTE Financial Share Certificate, unless Jumbo then $100,000 minimum.All certificates are also offered as Traditional IRA certificates, Roth IRA certificates, Coverdell Education Savings Account (ESA) certificates and SEP certificates. In addition, prior to opening an IRA certificate (Traditional, Roth, SEP) or Coverdell ESA certificate, you must have or establish an IRA or Coverdell ESA with GTE Financial.The money you earn on a Share Certificate is referred to as a dividend. Dividends compound monthly and are paid on the last day of the month and at maturity. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties may or will apply if the certificate is closed before the maturity date. You can withdraw up to 10% of the principal plus dividends one time per year (20% of the current balance if over 59 1/2 years old) with no early withdrawal penalty on IRA certificates. Any monthly withdrawals or transfers reduce earnings. Neither the primary account owner or joint owner may be a beneficiary on the certificate account (not applicable on IRAs and Coverdell ESAs). Certificate rates may change weekly. You are not locked into a rate until you open or renew your certificate. No withdrawals may be made on a GTE Financial Share Certificate in the first 60 days of account opening.
**Add-On option available in deposits of $20 or greater throughout the term of the certificate with no cap. This add-on feature is an exclusive feature related to this special and will not apply when the special is over, or to existing Share Certificates opened prior to or after this promotion. The Go Points .25% APY increase or other deposit offers on Share Certificates cannot be combined with the Promotional Share Certificate Yields during this special. This promotion is subject to change and cancellation at any time without notice. Federally insured by NCUA.

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