Certificate Specials

Save more for the things that matter with certificates!

Are you looking to save more with a great rate? GMFCU’s got you covered!

Limited Time Certificates and IRA Certificates

NEW 10-month, 17-month, 23-month, and  35-month Limited Time Certificates and IRA Certificates (minimum deposit $1,000): Are you looking for a limited-time deal? These certificates come with a great rate of return on your investment!

Save to Win Certificate

One of our most popular certificates! $25 to start your Save to Win Certificate, you get a chance to win anywhere from $25-$5,000 monthly and quarterly, plus an amazing rate! Find out more about our Save to Win Certificate.

Regular, Mini-Jumbo, and Jumbo Certificates and IRA Certificates

Whether you’re looking for a 3-month or 60-month term, we’ve got a Certificate that fits your needs! Our certificates start at a $500 minimum deposit ($250 minimum for Kirby Kangaroo and Claim Your Youth members under age 18).

We’re here to help!

You can open certificates in branch, online, and in our app. We’re here to answer any questions about the process! Just give us a call at 336.373.2090 and connect with our Member Service department.

Not a member?

Open Your Account Online

Current Rates

as of February 14, 2024

Save-to-Win Certificate**

Minimum Dividend Rate APY*
12 Month $25 3.95% 4.02%

Special Certificate

& IRA Certificate

Rate – LIMITED TIME ONLY!****

Minimum Dividend Rate APY*
10 Month $1,000 5.15% 5.27%
17 Month $1,000 5.00% 5.12%
23 Month $1,000 4.80% 4.91%
35 Month $1,000 4.50% 4.59%

Regular & IRA Certificates

Minimum*** Dividend Rate APY*
3 Month $500 2.60% 2.63%
6 Month $500 3.50% 3.56%
12 Month $500 3.60% 3.66%
18 Month $500 3.70% 3.76%
24 Month $500 3.80% 3.87%
36 Month $500 3.50% 3.56%
48 Month $500 3.55% 3.61%
60 Month $500 3.65% 3.71%

Mini Jumbo & Mini Jumbo
IRA Certificate

Minimum  Dividend Rate APY*
3 Month $10,000 2.60% 2.63%
6 Month $10,000 3.50% 3.56%
12 Month $10,000 3.60% 3.66%
18 Month $10,000 3.70% 3.76%
24 Month $10,000 3.80% 3.87%
36 Month $10,000 3.50% 3.56%
48 Month $10,000 3.55% 3.61%
60 Month $10,000 3.65% 3.71%

Jumbo & Jumbo IRA
Certificates

Minimum  Dividend Rate APY*
3 Month $50,000 2.60% 2.63%
6 Month $50,000 3.50% 3.56%
12 Month $50,000 3.60% 3.66%
18 Month $50,000 3.70% 3.76%
24 Month $50,000 3.80% 3.87%
36 Month $50,000 3.50% 3.56%
48 Month $50,000 3.55% 3.61%
60 Month $50,000 3.65% 3.71%

*APY = Annual Percentage Yield. Dividends are accrued daily and paid monthly. Minimum balance requirements may apply. Penalties may apply for early withdrawal on term share accounts. Fees may reduce earnings. Rates are subject to change at any time without notice.  Members age 55+ receive a 0.15% bonus dividend above the current Certificate rate excluding Certificate specials. 

** Save to Win participants must be 18 years of age.  Save to Win is not eligible for any type of bonus dividend. 

***Kirby Kangaroo (can be opened between the ages of 0-12) and Claim Your Youth Club (can be opened between the ages 13-18) Members can open Certificates with a minimum deposit of $250 and can add funds to the Certificate anytime throughout the term of the Certificate.

****Non-renewable Certificates and IRA Certificates. $1,000 minimum opening balance. Members age 55+ bonus dividend not applicable. Rates are subject to change at any time without notice. Limited time offer. Membership required.