SIGN IN Thanksgiving Day holiday hours. Learn more. Home Checking, Savings & Investments Certificates of Deposit (CD) CERTIFICATES OF DEPOSIT (CD)1 A CD is a CD, right? Not at GECU. We have CDs to help you save no matter what stage of life you’re in. Whether you’re a first time saver or a savvy investor, we have certificates of deposit to help you reach your investment goals. Every savings plan needs diversity. Round out your plan with any one of our fixed-rate, short- or long-term CDs. We offer a variety of terms, from 3 months to 60 months, with minimum investments of $50, $1,000 and $2,500 based on your savings goal and comfort level. TYPES OF CERTIFICATES OF DEPOSIT1 No Excuse Savers CD1 Have trouble saving money? We make saving easy. Once you open your account, you can deposit as much as you want, whenever you want for a year. Here’s the best part — to help you save for something special, we’ll keep your money safely on deposit until the 12 months are over. Now there’s no excuse not to save! SmartStep CD1 Looking for more control when investing your money? We’ve got just what you need. Our 24-month variable-rate CD is ideal for the investor who wants more flexibility. Open your SmartStep CD and you have the option to increase your interest rate once before your CD matures. With the SmartStep CD, you have the best of both worlds. Senior Privilege Program Age has its privileges, especially for members 60 years old and older. And quite frankly, you deserve it. Our Senior Privilege Program offers extra bonus points on certificates of deposit. Click here to learn more about our Senior Privilege Program. Bump-up CD1 Ability to add to the CD at any time. Bump up the rate once during the term of the CD. CD COMPARISON All terms and conditions are subject to change. Notice will be provided as required by law. Members receive renewal notification no less than 20 days prior to maturity. (1)A penalty will or may be imposed for early withdrawal. Early-withdrawal Penalty — Accounts will be cancelled if the balance drops below the minimum amount required for the term of the account and an early-withdrawal penalty may apply. Early-withdrawal penalties for account terms of 3 and 6 months is 30 days of interest (whether earned or not); 12 months is 90 days of interest (whether earned or not); 18 and 24 months is 150 days of interest (whether earned or not); 30, 36 and 48 months is 240 days of interest (whether earned or not); and 60 months is 300 days of interest (whether earned or not). Quick Answers How do I sign up for online bill pay? What mobile apps are available? How can I apply for a GECU MasterCard® credit card? Do you offer financial education seminars? What is GECU Chat? Want to know how much you'll need to save to reach your savings goal? We can help! Click here. Complaint Notice About GECU Contact Us Locations & Hours Careers Privacy Notice Third Party Disclosure Español Annual Report Site Map Federally insured by NCUA. Security Assurance © 2021 GECU. All rights reserved. GECU uses third party vendor sites to enhance your ability to use online financial tools. When you leave GECU's website, the links you may access are for your convenience and are for informational purposes only. Any products and services accessed through these links are not provided or guaranteed by GECU. The sites you visit may have a privacy policy that is different from GECU's. Please review their privacy policy. GECU does not endorse the content contained in any of these sites or the organization(s) publishing these sites and, hereby disclaims any responsibility for such content. GECU does not represent either the third party or the member if the two enter into a transaction.