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Share Certificates

share-certificate-Landing-Page-Image.jpgNow is The Time

Share certificates are a great way to earn interest on your money

Save your money in a special Share Certificate account. The longer you keep your money in a Share Certificate, the higher your yield.

With a Share Certificate, you earn a higher yield than a traditional savings account. The minimum deposit is only $500.

We have options to help with your savings goals:

  • Open with a $500 deposit ($100 for a Youth Share Certificate)
  • Terms from 6 months to 5 years

View Share Certificate Rates

Balance Dividend RateAPY*
6 month
12 month
18 month
24 month
30 month
36 month
48 month
60 month
30 month step-up

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 a primary savings account with GTE Financial. You may not add any additional money to your certificate after opening. 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.
*APY=Annual Percentage Yield as of October 1, 2019.


  • If you are a member, you can easily open a Share Certificate by logging into Online Banking and clicking on ‘Open an Additional Account’ under ‘New Accounts’ in the main navigation. Then select the ‘Open an additional Checking/Deposit account’ to access the Share Certificate application.

  • If you are not a member yet, please visit our online application page and click the ‘Open An Account’ button in the top navigation. You will then click the ‘Become a Member’ button to start your application. Once you are a member, please login to Online Banking to ‘Open an Additional Account’.

  • If you prefer, you can also visit a location or call us at 813.871.2690 Ext: 40535 or toll-free at 1.888.871.2690 to apply for membership and a Share Certificate.

Learn more about Share Certificate Withdrawal Penalties

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