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Hi Valued Member,
Set Sail with 3.30% APY! For a limited time only, GTE has raised Share Certificate yields on almost every term, up to 3.30% Annual Percentage Yield! Plus, you can win a Free cruise! Offer ends February 28th.
  • Up to 3.30% APY*
  • Terms range from 6 to 60 months
  • Open with as little as $500
  • No cap on deposits 

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Share the love by giving the gift of membership to a loved one. In the month of February, you can earn $25 and your friends can too! 

Make sure they use your referral code when they join.

Here's your referral number:

[Referral Number]


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Sign up for HomeAdvantage and get matched with a Realtor®!
On average, members who use this program earn $1,550 in cash rewards.
 
 

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High credit card balances from all your holiday shopping? Now through March 31st, 2019, open a GTE Credit Card and transfer your balance today.***
 
 
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VIDEO: Zero Down Home Loans Available!**


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*
3.30% APY Share Certificates
Hi [--Merge1--],

Set Sail with 3.30% APY! For a limited time only, GTE has raised Share Certificate yields on almost every term, up to 3.30% Annual Percentage Yield! Plus, you can win a Free cruise! Offer ends February 28th.
  • Up to 3.30% APY*
  • Terms range from 6 to 60 months
  • Open with as little as $500
  • No cap on deposits 
You get $25, they get $25!

Share the love by giving the gift of membership to a loved one. In the month of February, you can earn $25 and your friends can too! 

Make sure they use your referral code when they join.

Here's your referral number:

[--Merge2--]

GTE Financial goes beyond simply financing your loan!
Sign up for HomeAdvantage and get matched with a Realtor®!
On average, members who use this program earn $1,550 in cash rewards.

 
High credit card balances from all your holiday shopping? Now through March 31st, 2019, open a GTE Credit Card and transfer your balance today.***
 
February Hot Topics
February Events
LOANS   |   CREDIT CARDS   |   ​INSURANCE   

BUSINESS SERVICES   |   REFER A FRIEND   |   EN Español
*All terms on eligible products qualify. The eligible product must be opened with a deposit by 2/28/2019 to qualify for a Free Cruise or to be entered to Win a Free Cruise. The money funding the account must not already be housed in a GTE deposit product such as but not limited to a share account, savings account, checking account, share certificate, money market, or IRA. The Free Cruise Package will be delivered by 3/31/2019. Limit of one (1) Cruise per member delivered to the primary account owner. Must be 18 or older. Visit gtefinancial.org/sail for complete details. **One winner will be selected; odds will be based on the number of eligible products opened. Paid for by GTE Financial. 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 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.

**An example APR for a 7/1 Year ARM loan is 5.070%. An example monthly mortgage payment of principal and interest is $794. The example quotes are based on a property value of $150,000 and a loan amount of $150,000. The Annual Percentage Rates (APR) stated is an estimate and is intended for informational use only. Your actual APR may vary based on your actual loan amount. Sample payment reflected does not include property taxes or property insurance. Please speak with a Loan Executive for additional information about our rates and fees. Rates are subject to change without notice. Your actual rate and/or points may be different, as many factors are evaluated for a loan approval. An example APR for a 30 Year Fixed loan is 5.448%. An example monthly mortgage payment of principal and interest is $840. The example quotes are based on a property value of $150,000 and a loan amount of $150,000. The Annual Percentage Rates (APR) stated is an estimate and is intended for informational use only. Your actual APR may vary based on your actual loan amount. Sample payment reflected does not include property taxes or property insurance. Please speak with a Loan Executive for additional information about our rates and fees. Rates are subject to change without notice. Your actual rate and/or points may be different, as many factors are evaluated for a loan approval. This product is subject to change or cancellation at any time without prior notice. ***Zero down financing available for first time home buyers on qualified new purchases between $100,000.00 and $453,100.00. Private mortgage insurance to be paid by borrower and is required through ARCH. Limited time offer, other restrictions apply. 

***Annual percentage rate (APR) is a promotional rate available for Visa® Go To Credit Cards. The promotional rate will be based on your credit worthiness. This promotional APR ends after 12 billing cylces, after which you will be charged your standard APR.The standard APR will vary with the market based on the Prime Rate. Standard APRs currently range from 8.99% to 12.99% depending on a member’s credit worthiness. The promotional rate is valid on balance transfers from other credit card companies, financial institutions or department store credit cards processed within the first 60 days following card activation. This offer is non-transferable and cannot be combined with any other offers. The promotional rate will not apply for convenience checks made payable to a person, to cash, to make purchases or to make payments toward amounts you owe GTE Financial. Balance transfers must be made within the first 60 days. Any balance transfer processed after the promotional period will incur interest charges at your card’s standard rate. Any payment amount in excess of the minimum payment will be applied first to the card balance bearing the highest rate of interest and then to each successive balance bearing the next highest interest rate, until the payment is exhausted. Balance transfers are treated as and considered cash advances on your Visa Go To Credit Card and will begin to accrue interest charges immediately. New purchases and cash advances (other than this balance transfer offer) will carry your card’s standard interest rate. No grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. It may take up to three (3) weeks to post the balance transfer transaction. You should continue to make all required payments until you confirm that the balance transfer has been made. GTE Financial will not be responsible for any interest charges or late fees incurred due to your nonpayment. We will not close your other accounts even if you transfer the entire balance. If you wish to close an account, you should contact the issuer directly. Fees, interest charges, cash advances and balance transfers do not earn Go Points rewards. Foreign Transaction Fee: 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion. Balance transfer fee: 3% of the amount of each transaction or $6, whichever is greater. Variable annual fee: $0. Credit needed: Excellent, good, average.  | Equal Housing Lender Federally insured by NCUA.