Credit union · NCUA insured
General Electric Credit Union CD Rates
Top CarrotGeneral Electric Credit Union’s best CD rate is 4.25% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How General Electric Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where General Electric Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
General Electric Credit Union
4.25%APY
- Term
- 18 months
- Minimum
- $0
- Earns on $10,000
- $644
Certificates
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
General Electric Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.25%
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 General Electric Credit Union 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.
Certificates
Up to 4.25%APY · 8 terms
Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.55% | $88 |
| 6 months | 3.60% | $178 |
| 9 months | 4.00% | $299 |
| 12 months | 3.70% | $370 |
| 18 months | 4.25% | $644 |
| 24 months | 4.25% | $868 |
| 36 months | 3.15% | $975 |
| 60 months | 3.05% | $1,621 |
Sources (2)
- gecreditunion.org/support/reso…cess/rates/deposit-rates
- gecreditunion.org/personal/bank/accounts/certificates
All captured Oct 16, 2026
Jumbo Certificates
Up to 4.25%APY · 2 terms
Dividends accrue as of the date funding is received; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | — |
| 24 months | 4.25% | — |
Sources (1)
- gecreditunion.org/support/reso…cess/rates/deposit-rates · captured Oct 16, 2026
Certificate Specials
Up to 4.00%APY · 2 terms
Limited-time offer. Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of account opening. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsLimited-time offer. Minimum opening balance $0 | 4.00% | $165 |
| 13 monthsLimited-time offer. Minimum opening balance $0 | 3.50% | $380 |
Sources (1)
- gecreditunion.org/Support/Reso…cess/Rates/Deposit-Rates · captured Oct 6, 2026
11-Month No-Penalty Certificate
3.35%APY · 1 term
Early withdrawals are not permitted within the first 6 days after account opening. To withdraw funds with no penalty assessed, the entire amount (principal plus dividends earned) must be withdrawn in one single transaction. IRA and HSA Certificates are not eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsEarly withdrawals not permitted within first 6 days after opening; full balance must be withdrawn in a single transaction for no penalty | 3.35% | $307 |
Special-purpose accounts
IRA Jumbo Certificates
Up to 4.25%APY · 2 terms
Requires minimum balance of $100,000. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | — |
| 24 months | 4.25% | — |
Sources (1)
- gecreditunion.org/support/reso…cess/rates/deposit-rates · captured Oct 16, 2026
HSA Certificates
Up to 4.00%APY · 7 terms
Minimum balance required to open is $0.01. HSA tax rules apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard HSA certificate terms | 3.55% | $88 |
| 6 monthsStandard HSA certificate terms | 3.60% | $178 |
| 9 monthsStandard HSA certificate terms | 3.55% | $265 |
| 12 monthsStandard HSA certificate terms | 3.70% | $370 |
| 18 monthsStandard HSA certificate terms | 4.00% | $606 |
| 24 monthsStandard HSA certificate terms | 4.00% | $816 |
| 36 monthsStandard HSA certificate terms | 3.15% | $975 |
Sources (1)
- gecreditunion.org/Support/Reso…cess/Rates/Deposit-Rates · captured Oct 6, 2026
IRA Certificates
Up to 4.00%APY · 10 terms
Offers Traditional and Roth tax advantages. Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.55% | $88 |
| 5 months5-Month IRA/HSA Certificate Special. Limited-time offer. Minimum opening balance $0 | 4.00% | $165 |
| 6 months | 3.60% | $178 |
| 9 months | 3.55% | $265 |
| 12 months | 3.70% | $370 |
| 13 months13-Month IRA/HSA Certificate Special. Limited-time offer. Minimum opening balance $0 | 3.50% | $380 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 3.15% | $975 |
| 60 months | 3.05% | $1,621 |
Sources (2)
- gecreditunion.org/Personal/Ban…dual-Retirement-Accounts
- gecreditunion.org/Support/Reso…cess/Rates/Deposit-Rates
All captured Oct 6, 2026
Closed to new customers
Bump Certificates
Up to 2.80%APY · 2 terms
This offer has expired. Details are applicable to Bump Certificates opened prior to January 3, 2025. Certificate owner has the option to initiate a rate adjustment one time per anniversary year to the prevailing rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsRate adjustment option 1 time per year at prevailing rate. Expired offer applicable to certificates opened prior to January 3, 2025 | 2.80% | $864 |
| 60 monthsRate adjustment option 1 time per year at prevailing rate. Expired offer applicable to certificates opened prior to January 3, 2025 | 2.70% | $1,425 |
Sources (2)
- gecreditunion.org/personal/ban…/certificates/bump-rates
- gecreditunion.org/support/reso…ed-deposit-account-rates
All captured Oct 16, 2026
IRA Bump Certificates
Up to 2.80%APY · 2 terms
This offer has expired. Details are applicable to Bump Certificates opened prior to January 3, 2025. Certificate owner has the option to initiate a rate adjustment one time per anniversary year to the prevailing rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months3-Year IRA/HSA Bump Certificate. Rate adjustment option 1 time per year at prevailing rate. Expired offer applicable to certificates opened prior to January 3, 2025 | 2.80% | $864 |
| 60 months5-Year IRA Bump Certificate. Rate adjustment option 1 time per year at prevailing rate. Expired offer applicable to certificates opened prior to January 3, 2025 | 2.70% | $1,425 |
Sources (1)
- gecreditunion.org/personal/ban…/certificates/bump-rates · captured Oct 16, 2026
Who can join General Electric Credit Union
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