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Share Certificates

Regular Share Certificates

Balance Dividend RateAPY*
6 month
0.75%
0.75%
12 month
1.10%
1.11%
18 month
1.35%
1.36%
24 month
1.60%
1.61%
30 month
1.65%
1.66%
36 month
1.75%
1.76%
48 month
1.85%
1.87%
60 month
1.95%
1.97%

*APY=Annual Percentage Yield as of 3/6/2019. 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. With the exception of the 12 month add-on share or IRA certificate, you may not add any additional money to your certificate after opening. Minimum $500 to open any GTE Financial Share Certificate, unless Jumbo then $100,000 minimum. 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. Federally insured by NCUA. **Add-On option available in deposits of $100 or greater throughout the term of the certificate up to a combined maximum of $6,000 per primary owner per calendar year.

Step Up Share Certificates

Balance Dividend RateAPY*
Step Up 30 month
1.40%
1.41%

36 Month Escalating Share Certificate

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