Share Certificates

Now is The Time

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 and the minimum deposit is only $500.



Features & Benefits

  • Open with as little as $500
  • Some of the best rates in the nation
  • Variety of term options
  • Open online in minutes
  • Federally Insured by NCUA


As High As
1.11% APY*
60 Month Share Certificate | 1.10% Dividend Rate
1.00% APY*
48 Month Share Certificate | 1.00% Dividend Rate
0.90% APY*
36 Month Share Certificate | 0.90% Dividend Rate
0.85% APY*
30 Month Share Certificate | 0.85% Dividend Rate
0.75% APY*
30 Month Step-Up Share Certificate | 0.75% Dividend Rate
0.80% APY*
24 Month Share Certificate | 0.80% Dividend Rate
0.60% APY*
18 Month Share Certificate | 0.60% Dividend Rate
0.50% APY*
12 Month Share Certificate | 0.50% Dividend Rate
0.40% APY*
6 Month Share Certificate | 0.40% Dividend Rate
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.