Savings/Certificate Rates

Savings Rates | Youth Clubs Rates | Checking Rates | Money Market Account | Christmas Club Rates | Other Savings Rates | IRA/Roth IRA Savings Rates | Save-to-Win Certificate Rates | Special Certificate Rates | Regular & IRA Certificate Rates | Mini Jumbo & Mini Jumbo IRA Certificate Rates | Jumbo & Jumbo IRA Certificate Rates 

Savings/Share Accounts

Rates effective as of August 15, 2023.

Membership Savings

 Dividend Rate APY*
$5 and above 0.25% 0.25%

Kirby Kangaroo Club*** and
Claim Your Youth Club***

  Dividend Rate  APY*
$5 and above 0.25% 0.25%

Checking

 Dividend Rate  APY*
$0.01 and above 0.25% 0.25%

Money Market

 Dividend Rate APY*
$500  – $9,999.99 1.25% 1.26%
$10,000 – $49,999.99 1.30% 1.31%
$50,000 to $99,999.99 1.50% 1.51%
$100,000 and above 1.70% 1.71%

Christmas Club

 Dividend Rate  APY*
$0.01 and above 0.75% 0.75%

Other Savings

 Dividend Rate APY*
$0.01 and above 0.25% 0.25%

IRA/Roth IRA Savings

 Dividend Rate  APY*
$0.01 and above 2.00% 2.02%

*APY = Annual Percentage Yield. Dividends are calculated on the average daily balance and paid monthly. Minimum balance requirements may apply. Penalties may apply for early withdrawal. Fees may reduce earnings. Rates are subject to change at any time without notice.

Certificates and IRAs

Rates effective as of September 11, 2023.

Save-to-Win Certificate**

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

Special 10-Month Bump Certificate & IRA Certificate Rate – LIMITED TIME ONLY!****

 Minimum Dividend Rate APY* Bump Option†
10 Month Bump Certificate $1,000 4.90% 5.01% 1x
10 Month Bump Certificate $10,000 4.90% 5.01% 1x
10 Month Bump Certificate $50,000 4.90% 5.01% 1x

Special Certificate

& IRA Certificate

Rate – LIMITED TIME ONLY!****

 Minimum Dividend Rate APY*
17 Month $1,000 5.40% 5.54%
17 Month $10,000 5.40% 5.54%
17 Month $50,000 5.40% 5.54%
23 Month $1,000 5.20% 5.33%
23 Month $10,000 5.20% 5.33%
23 Month $50,000 5.20% 5.33%

Regular & IRA Certificates

 Minimum*** Dividend Rate APY*
3 Month $500 3.00% 3.04%
6 Month $500 3.90% 3.97%
12 Month $500 4.00% 4.07%
18 Month $500 4.10% 4.18%
24 Month $500 4.20% 4.28%
36 Month $500 3.30% 3.35%
48 Month $500 3.35% 3.40%
60 Month $500 3.50% 3.56%

Mini Jumbo & Mini Jumbo
IRA Certificate

 Minimum  Dividend Rate APY*
3 Month $10,000 3.00% 3.04%
6 Month $10,000 3.90% 3.97%
12 Month $10,000 4.00% 4.07%
18 Month $10,000 4.10% 4.18%
24 Month $10,000 4.20% 4.28%
36 Month $10,000 3.30% 3.35%
48 Month $10,000 3.35% 3.40%
60 Month $10,000 3.50% 3.56%

Jumbo & Jumbo IRA
Certificates

 Minimum  Dividend Rate APY*
3 Month $50,000 3.00% 3.04%
6 Month $50,000 3.90% 3.97%
12 Month $50,000 4.00% 4.07%
18 Month $50,000 4.10% 4.18%
24 Month $50,000 4.20% 4.28%
36 Month $50,000 3.30% 3.35%
48 Month $50,000 3.35% 3.40%
60 Month $50,000 3.50% 3.56%

*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.

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

†Should rates increase during the term, 10-Month Bump Certificate owners can increase their dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate. To bump your rate or if you have questions, please contact GMFCU.