Current Savings, Checking, Money Market, IRA, and Certificate Rates
GTFCU offers competitive rates on savings, checking, money market, IRA savings, and certificate accounts. Review current account rates below, then contact our team if you have questions or are ready to open an account.
Savings Rates
| Account Type | Min. Opening Deposit | Min. Balance to Earn APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| Regular Share | $25 | $100 | 0.20% | 0.20% |
Dividends are compounded quarterly and credited quarterly. Rates are based on the average daily balance method.
Checking Rates
| Account Type | Min. Opening Deposit | Min. Balance to earn APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| Checking | Not applicable | $5,000 | .10% | .10% |
Dividends will be compounded monthly and will be credited monthly. Average Daily Balance.
Money Market Rates
| Balance Tier | Minimum Opening Deposit | Minimum Balance to Earn APY | Dividend Rate | APY** |
|---|---|---|---|---|
| $1,000 – $2,499.99 | $1,000 | $1,000 | 0.250% | 0.25% |
| $2,500 – $24,999.99 | $1,000 | $1,000 | 0.500% | 0.50% |
| $25,000 – $49,999.99 | $1,000 | $1,000 | 0.750% | 0.75% |
| $50,000.01 and above | $1,000 | $1,000 | 1.000% | 1.01% |
IRA Savings Rates
| Account Type | Minimum Opening Deposit | Minimum Balance to Earn APY | Dividend Rate | APY** |
|---|---|---|---|---|
| IRA Savings | $25 | $100 | 0.15% | 0.15% |
Dividends are compounded monthly and credited monthly. Rates are based on the average daily balance method.
Certificate & IRA Certificate Rates
| Terms | Min. Balance | Dividend Rate | APY** | Frequency |
|---|---|---|---|---|
| 6 Month | $1,000 - $49,999.99 | 3.203% | 3.25% | Monthly |
| 6 Month | $50,000 - $99,999.99 | 3.203% | 3.25% | Monthly |
| 6 Month | $100,000+ | 3.445% | 3.50% | Monthly |
| 12 Month | $1,000 - $49,999.99 | 3.445% | 3.50% | Monthly |
| 12 Month | $50,000 - $99,999.99 | 3.590% | 3.65% | Monthly |
| 12 Month | $100,000+ | 3.687% | 3.75% | Monthly |
| 24 Month | $1,000 - $49,999.99 | 3.590% | 3.65% | Monthly |
| 24 Month | $50,000 - $99,999.99 | 3.590% | 3.65% | Monthly |
| 24 Month | $100,000+ | 3.687% | 3.75% | Monthly |
Certificates may be subject to early withdrawal penalties. Fees may reduce earnings. Minimum balance requirements apply. Rates and terms are subject to change without notice.
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Our team can help you choose the account that fits your savings goals.
Important Rate Information
APY means Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed. Fees may reduce earnings. Contact GTFCU to verify current rates and account requirements.