IRA Share Certificates

IRA Share Certificates

Open An IRA Share Certificate Today

Secure Your Financial Future

Have you recently received your tax refund? Stressed about your retirement? An IRA Share Certificate is an individual retirement account that combines tax advantages of a Traditional IRA or Roth IRA with the security of a share certificate. GTE Financial offers a range of terms and yields to suit your needs.

TermDividend RateAPY*
6 months1.50%1.51%
12 months2.00%2.02%
18 months2.25%2.27%
24 months4.00%4.07%
30 months4.25%4.33%
36 months4.50%4.59%
48 months4.75%4.85%
60 months3.00%3.04%

Traditional IRA Jumbo Share Certificates

Maximize your earnings on opening deposits of $100,000 or more with an Traditional IRA Jumbo Share Certificate.

TermDividend RateAPY*
6 months1.75%1.76%
12 months2.25%2.27%
18 months2.50%2.53%
24 months4.25%4.33%
30 months4.50%4.59%
36 months4.75%4.85%
48 months5.00%5.12%
60 months3.25%3.30%

You can also visit a GTE center or call us at 813.871.2690 (toll-free at 1.888.871.2690) to apply for membership and open an IRA Certificate Account.

Features & Benefits

  • Great rates
  • Deposit a specified amount for a pre-determined time
  • No penalties for the withdrawal of dividends or required minimum distributions prior to maturity**

*Annual Percentage Yield accurate as of 5/30/23. Any fees could reduce earnings on this account. 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. 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. Dividends compound monthly and are paid on the last day of the month and at maturity.


**There are no penalties for the withdrawal of dividends or required minimum distributions prior to maturity, as outlined by IRS age requirements. All other early withdraws are subject to IRS guidelines. Please contact your tax advisor to see how you are effected. Early withdrawal penalties will apply if the certificate is closed before the maturity date. 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. $500 minimum deposit required to open.