Credit union · NCUA insured
GECU CD Rates
GECU’s best CD rate is 4.54% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How GECU’s CD rates compare
Compared with banks and credit unions near El Paso, TX, where GECU has the most branches. $10,000, best rate first.
This credit union’s best
GECU
4.44%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $444
Credit Builder Certificate Account
Top rate
Raiz
4.44%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $25
- Earns on $10,000
- $444
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
GECU CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo4.44%
- 16–30 months16–30 mo4.28%
- 31–60 months31–60 mo3.71%
- QualifiedQualified4.44%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where GECU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Personal Certificate Accounts (Fixed rate)
Up to 4.44%APY · 9 terms
Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of October 14, 2026. Early-withdrawal penalties apply.
| Term | APY · $50 and up | APY · $1,000 and up | APY · $2,500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsAnnual/Maturity Crediting. Average daily balance requirement of $2,500 | — | — | 3.34% | — | 3.34% | $82 |
| 6 monthsAnnual/Maturity Crediting. Average daily balance requirement of $2,500 | — | — | 3.79% | — | 3.79% | $188 |
| 12 monthsAnnual/Maturity Crediting. 12-month Jumbo. Average daily balance requirement of $50,000 | — | — | — | 4.45% | —4.45% from $50k | — |
| 12 monthsAnnual/Maturity Crediting. Average daily balance requirement of $50 | 4.35% | — | — | — | 4.35% | $435 |
| 12 monthsMonthly Crediting. 12-month Jumbo. Average daily balance requirement of $50,000 | — | — | — | 4.54% | —4.54% from $50k | — |
| 12 monthsMonthly Crediting. Average daily balance requirement of $50 | 4.44% | — | — | — | 4.44% | $444 |
| 18 monthsAnnual/Maturity Crediting. Average daily balance requirement of $1,000 | — | 3.70% | — | — | 3.70% | $560 |
| 18 monthsMonthly Crediting. Average daily balance requirement of $1,000 | — | 3.76% | — | — | 3.76% | $569 |
| 24 monthsAnnual/Maturity Crediting. Average daily balance requirement of $1,000 | — | 4.20% | — | — | 4.20% | $858 |
| 24 monthsMonthly Crediting. Average daily balance requirement of $1,000 | — | 4.28% | — | — | 4.28% | $874 |
| 30 monthsAnnual/Maturity Crediting. Average daily balance requirement of $1,000 | — | 3.40% | — | — | 3.40% | $872 |
| 30 monthsMonthly Crediting. Average daily balance requirement of $1,000 | — | 3.45% | — | — | 3.45% | $885 |
| 36 monthsAnnual/Maturity Crediting. Average daily balance requirement of $1,000 | — | 3.65% | — | — | 3.65% | $1,135 |
| 36 monthsMonthly Crediting. Average daily balance requirement of $1,000 | — | 3.71% | — | — | 3.71% | $1,155 |
| 48 monthsAnnual/Maturity Crediting. Average daily balance requirement of $1,000 | — | 3.65% | — | — | 3.65% | $1,542 |
| 48 monthsMonthly Crediting. Average daily balance requirement of $1,000 | — | 3.71% | — | — | 3.71% | $1,569 |
| 60 monthsAnnual/Maturity Crediting. Average daily balance requirement of $1,000 | — | 3.65% | — | — | 3.65% | $1,963 |
| 60 monthsMonthly Crediting. Average daily balance requirement of $1,000 | — | 3.71% | — | — | 3.71% | $1,998 |
Sources (1)
- gecu.com/rates/certificate-accounts · captured Oct 16, 2026
Personal Bump-up Certificate Accounts (Variable rate)
Up to 3.66%APY · 3 terms
Variable rate. Bump-up certificate accounts offer an option to increase the dividend rate once during each term to the current rate in effect upon written request. Unlimited funds may be deposited at any time during the term. Does not qualify for Senior Privilege 15 additional basis points. Membership eligibility is required; $10 share account deposit required.
| Term | APY · $2,500 and up | APY · $5,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsMonthly Crediting. 12-month Jumbo. Average daily balance requirement of $50,000. One option to increase rate during term | — | — | 4.49% | —4.49% from $50k | — |
| 18 monthsMonthly Crediting. 18-month Jumbo. Average daily balance requirement of $50,000. One option to increase rate during term | — | — | 3.76% | —3.76% from $50k | — |
| 18 monthsMonthly Crediting. 18-month term. Average daily balance requirement of $5,000. One option to increase rate during term | — | 3.66% | — | 3.66% | $554 |
| 60 monthsMonthly Crediting. 60-month Jumbo. Average daily balance requirement of $50,000. One option to increase rate during term | — | — | 3.71% | —3.71% from $50k | — |
| 60 monthsMonthly Crediting. 60-month term. Average daily balance requirement of $2,500. One option to increase rate during term | 3.61% | — | — | 3.61% | $1,940 |
Sources (1)
- gecu.com/rates/certificate-accounts · captured Oct 16, 2026
Credit Builder Certificate Account
Up to 4.44%APY · 1 term
Credit Builder certificate accounts offer the option of requesting a loan in which the proceeds of the loan are deposited to this certificate account. This product allows unlimited deposits of any amount. The funds remain on deposit while payments are made to the loan. Timely payments to the loan may be used to help build your credit score. At maturity, the certificate account will automatically renew to a fixed-rate 12-month certificate account. Dividends may only be withdrawn during the grace period prior to renewal. Withdrawals are not allowed until maturity. Membership eligibility is required; $10 share account deposit required. All loans subject to approval.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAnnual/Maturity Crediting. 12-month Credit Builder. Average daily balance requirement of $500 | 4.35% | $435 |
| 12 monthsMonthly Crediting. 12-month Credit Builder. Average daily balance requirement of $500 | 4.44% | $444 |
Sources (1)
- gecu.com/rates/certificate-accounts · captured Oct 16, 2026
Personal Smart-Step Certificate Accounts (Variable rate)
4.18%APY · 1 term
Variable rate. Smart-Step certificate accounts offer an option to increase the dividends during each term to current rate in effect upon written request. 24-month term offers one option to increase the dividend rate during each 24-month term. Membership eligibility is required; $10 share account deposit required.
| Term | APY · $2,500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 monthsMonthly Crediting. 24-month Jumbo. Average daily balance requirement of $50,000. One option to increase dividend rate during 24-month term | — | 4.28% | —4.28% from $50k | — |
| 24 monthsMonthly Crediting. Average daily balance requirement of $2,500. One option to increase dividend rate during 24-month term | 4.18% | — | 4.18% | $853 |
Sources (1)
- gecu.com/rates/certificate-accounts · captured Oct 16, 2026
Who can join GECU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.