Don’t miss out! We’ve raised our yields
Now’s the time to make your move.
As part of our 90th Anniversary Celebration, we’ve raised our Annual Percentage Yields (APY) for a limited time starting August 1, 2025, on our best deposit products. Take advantage of these yields while they last—your wallet will thank you!
Need help opening an account?
- Easily open and fund your new account, all online.
- Meet in person at one of our top-rated GTE Locations! Make an appointment or simply swing by.
- Already a member?
- If you want to open an additional account, login to Online Banking and click ‘Open Account’.
- Once your new account is open, make a deposit from another financial institution with an ACH transfer or a debit card.
Sign me up for higher yields! Which product is right for me?
Enjoy a higher yield on an account you can also use for daily purchases and deposits with a free debit card. Plus, enjoy special perks & benefits.
Increased yield
from 3.04% to 5.12% APY for balances up to $2,000
If you want to earn even more on savings balances, but don’t need to transact often, a Money Market is a great option!
Increased yield*
from 1.57% to 2.58% APY on $250,000+ Money Markets
For the highest yields, lock in a top rate for a certain term. However, share certificates are not made to be transactional; penalties may apply for early withdrawal.
Increased yield*
from 2.27% to 3.40% APY on a 6-Month Share Certificate from 2.53% to 3.66% APY for $100,000+ Jumbo
*New increased yield(s) include business accounts.
More on Go Premium Checking1
Go Premium Checking
Looking for a Higher Yield Checking with Big Benefits?
Go Premium was created to be the BEST checking account in the market:
- Highly competitive yield
- Just $500 + 15 combined debit and/or credit transactions to start earning
- No minimum to open
- Unlike other institutions that charge a high monthly maintenance fee, we offer additional benefits like identity theft protection, cell phone protection, health savings and fraud resolutions services—all baked in for just $4.95 per month2
We have not raised our pricing since 2017, keeping affordability top-of-mind.
For balances $0 - $2,000
Increased yield from 3.04% to 5.12% APY
Shop the Competition*
- No dividend on checking
- Balance of $0 - $500 | 7.00% APY
- But you must have a minimum of $2,000 to earn
- Maximum earning of around $35**
- With GTE Financial, you could earn $100**
- Balance of $0 - $10,000 | 5.00% APY
- But you must have a minimum of $1,500 to earn
- Must open with $500
- With a $12 monthly maintenance fee
- With GTE Financial, it’s just $4.95 per month (which includes market-leading benefits) + you’ll enjoy an equivalent yield for balances up to $2,000—for $7 less a month
*Competitive information as of 8/1/2025, sourced from each credit union’s website and subject to change. Some fees may be waivable. Visit their website(s) for full details. **Estimated earnings calculation of maximum earning balance times the APY; outcome is variable.
More on Money Markets3
For Money Markets $250,000+
| Financial Institution | Annual Percentage Yield |
|---|---|
| GTE Financial | 2.58% APY |
| Grow Financial* | 1.92% APY |
| Suncoast Credit Union* | 2.50% APY |
| MidFlorida Credit Union* | 0.01% APY |
*Competitive information as of 8/1/2025, sourced from each credit union’s website
and subject to change. Visit their website(s) for full details.
More on Share Certificates4
For Share Certificates with a 6 month term
| Financial Institution | Annual Percentage Yield |
|---|---|
| GTE Financial Jumbo ($100,000+) | 3.66% APY |
| GTE Financial Regular | 3.40% APY |
| Achieva* | 3.25% APY |
*Competitive information as of 8/1/2025, sourced from each credit union’s website
and subject to change. Visit their website(s) for full details.
Federally Insured by NCUA. Member deposits are insured up to $250,000. For more information, click here.
1Only deposits from external accounts outside of GTE are valid towards the $500 requirement. Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Any fees could reduce earnings on this account. Rate may change after account opening. Dividends earned on balances up to $2,000 when monthly requirements are met; enroll in eStatements, deposit $500 or more into your Go Premium account each month, and complete at least 15 combined debit and/or credit transactions. 2The descriptions above are summaries only. Please refer to the actual guide to benefits for complete details of coverage and exclusions. Coverage is provided through the company listed in the guide to benefits. Credit file monitoring from Experian and TransUnion will take several days to begin following activation. Registration/Activation may be required for some benefits. This is not insurance. Insurance products are not insured by NCUA or any Federal Agency; not a deposit of or guaranteed by the credit union or credit union affiliate.
3Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Any fees could reduce earnings on this account. Rates, terms and conditions subject to change without notice. Rate may change after account opening.
4Annual Percentage Yield (APY) is accurate as of 8/1/2025. The annual percentage yield assumes dividends remain in the account until maturity and any withdrawals will reduce earnings. You may not add any additional money to your certificate after opening. All dividends are compounded monthly on the day the certificate was issued. While there are no penalties for monthly dividend withdrawals a penalty may be imposed for early withdrawal which could reduce the earnings on the account and/or reduce the principal. If dividends are insufficient to cover any applicable penalties, there is the possibility of a principal reduction. You are not locked into a rate until you open or renew your certificate. Once the certificate term expires, the certificate will renew 7 calendar days after the maturity date. No withdrawals may be made on a GTE Financial Share Certificate in the first 60 days of account opening.
Account requirement includes credit union membership and the opening and funding of a $5 member owner share. Yields are variable and subject to change after account opening; changes will be reflected on the website with an ‘as of’ date. Full GTE Financial account agreements and fee schedules are available upon request. For additional information on applicable early withdrawal penalty fees, please visit a Community Financial Center or contact Member Care at 813.871.2690.