Credit union · NCUA insured
Governmental Employees Credit Union CD Rates
Top CarrotGovernmental Employees Credit Union’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Governmental Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Milwaukee, WI, where Governmental Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Governmental Employees Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Share Certificates
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Bank Five Nine
4.65%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $910
Governmental Employees Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.50%
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 Governmental Employees 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.
Share Certificates
Up to 4.50%APY · 8 terms
Membership eligibility required. Early withdrawals are subject to penalty. No monthly maintenance fees or setup fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawals are subject to penalty | 3.60% | $178 |
| 9 monthsCD Special / Hole in One Rates. Early withdrawals are subject to penalty | 4.00% | $299 |
| 12 monthsCD Special - Limited Time Offer. Early withdrawals are subject to penalty | 4.50% | $450 |
| 12 monthsEarly withdrawals are subject to penalty | 3.60% | $360 |
| 18 monthsCD Special / Hole in One Rates. Early withdrawals are subject to penalty | 4.00% | $606 |
| 18 monthsEarly withdrawals are subject to penalty | 3.60% | $545 |
| 24 monthsEarly withdrawals are subject to penalty | 3.60% | $733 |
| 36 monthsEarly withdrawals are subject to penalty | 3.60% | $1,119 |
| 48 monthsEarly withdrawals are subject to penalty | 2.75% | $1,146 |
| 60 monthsEarly withdrawals are subject to penalty | 2.50% | $1,314 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Goal Setter CD
6.00%APY
Available to members ages 13-18. Cannot be opened as a UTMA account. Limit one CD per child. May be opened in child's name only. Can be added to at any time up to the limit of $5,000. Matures on 18th birthday. Early withdrawal penalty of 180 days forfeiture of dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Available to members ages 13-18. Matures on 18th birthday. Limit one CD per child. Cannot be opened as UTMA account. Early withdrawal penalty is 180 days forfeiture of dividends.Up to $5,000 | 6.00% | — | Available to members ages 13-18. Matures on 18th birthday. Limit one CD per child. Cannot be opened as UTMA account. Early withdrawal penalty is 180 days forfeiture of dividends. |
Sources (2)
All captured Oct 5, 2026
Kick Start CD
5.00%APY
Available to members ages 0-12. Cannot be opened as a UTMA account. Limit one CD per child. May be opened in child's name only. Can be added to at any time up to the limit of $5,000. Matures on 13th birthday. Early withdrawal penalty of 180 days forfeiture of dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Available to members ages 0-12. Matures on 13th birthday. Limit one CD per child. Cannot be opened as UTMA account. Early withdrawal penalty is 180 days forfeiture of dividends.Up to $5,000 | 5.00% | — | Available to members ages 0-12. Matures on 13th birthday. Limit one CD per child. Cannot be opened as UTMA account. Early withdrawal penalty is 180 days forfeiture of dividends. |
Sources (2)
All captured Oct 5, 2026
IRA Certificates
Up to 4.50%APY · 7 terms
Traditional and Roth options available. Membership eligibility required. Penalties for early withdrawal. No monthly maintenance fees or setup fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsCD Special / Hole in One Rates. Penalties for early withdrawal | 4.00% | $299 |
| 12 monthsCD Special - Limited Time Offer. Penalties for early withdrawal | 4.50% | $450 |
| 12 monthsPenalties for early withdrawal | 3.60% | $360 |
| 18 monthsCD Special / Hole in One Rates. Penalties for early withdrawal | 4.00% | $606 |
| 18 monthsPenalties for early withdrawal | 3.60% | $545 |
| 24 monthsPenalties for early withdrawal | 3.60% | $733 |
| 36 monthsPenalties for early withdrawal | 3.60% | $1,119 |
| 48 monthsPenalties for early withdrawal | 2.75% | $1,146 |
| 60 monthsPenalties for early withdrawal | 2.50% | $1,314 |
Clubhouse Certificates
3.60%APY · 3 terms
Specially designed for younger members between the ages of birth and 18. Membership eligibility required. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor members between ages birth and 18. Penalties for early withdrawal | 3.60% | $360 |
| 24 monthsFor members between ages birth and 18. Penalties for early withdrawal | 3.60% | $733 |
| 36 monthsFor members between ages birth and 18. Penalties for early withdrawal | 3.60% | $1,119 |
Sources (1)
- gecuwi.com/services-tools/tools/rates.html · captured Oct 5, 2026
Who can join Governmental Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live in La Crosse County.
- Membership is open to individuals who work in La Crosse County.
Military, government and schools
- Membership is open to any Federal, State, or City Government Employee.
Family and household
- Membership is open to direct relatives (parent, sibling, child) of someone who qualifies.
Membership information collected October 5, 2026.