Credit union · NCUA insured
G.P.O. Federal Credit Union CD Rates
Top CarrotG.P.O. Federal Credit Union’s best CD rate is 4.50% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How G.P.O. Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Utica, NY, where G.P.O. Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
G.P.O. Federal Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Term Share Certificates
Top rate
Utica Gas & Electric Federal Credit Union
4.60%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $382
2nd-highest rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Minimum
- $50
- Earns on $10,000
- $111
G.P.O. Federal Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.75%
- 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 G.P.O. Federal 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.
Term Share Certificates
Up to 4.50%APY · 7 terms
Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
| Term | APY · $500 and up | APY · $1,000 – $25,000 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsFixed dividend rate; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed. Minimum balance of $500 on 6 month term | 4.00% | — | — | 4.00% | $198 |
| 11 months11-Month Term Share Certificate Special. Minimum deposit to open and minimum balance to earn advertised APY is $1,000. Maximum deposit is $25,000. Limit one per member during promotional period. Early withdrawal penalties apply. Additional deposits not allowed. Automatically renews into 12-month Term Share Certificate at prevailing rate | — | 4.50% | — | 4.50% | $412 |
| 12 monthsFixed dividend rate; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | — | 4.00% | 4.00% | $400 |
| 24 monthsFixed dividend rate; 120 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | — | 3.75% | 3.75% | $764 |
| 36 monthsFixed dividend rate; 150 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | — | 3.75% | 3.75% | $1,168 |
| 48 monthsFixed dividend rate; 210 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | — | 3.75% | 3.75% | $1,587 |
| 60 monthsFixed dividend rate; 270 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | — | 3.75% | 3.75% | $2,021 |
Special-purpose accounts
Bright Savers Certificates
Up to 10.00%APY · 16 terms
To qualify, must have an active linked Bright Future Savings account and agree to Bright Future Savers Agreement. Eligibility and terms are based on child accountholder's age/grade. Deposits cannot exceed minimum opening deposit and additional deposits are not allowed. No early withdrawal penalty. Accounts do not renew automatically.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsAge 16 / 11th grade; savings goal of $1,200 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 5.00% | $205 |
| 17 monthsAge 15 / 10th grade; term 1y 5m (17 months); savings goal of $1,100 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 5.00% | $716 |
| 29 monthsAge 14 / 9th grade; term 2y 5m (29 months); savings goal of $1,000 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 5.00% | $1,251 |
| 41 monthsAge 13 / 8th grade; term 3y 5m (41 months); savings goal of $800 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 5.00% | $1,814 |
| 53 monthsAge 12 / 7th grade; term 4y 5m (53 months); savings goal of $700 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 6.00% | $2,935 |
| 65 monthsAge 11 / 6th grade; term 5y 5m (65 months); savings goal of $600 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 7.00% | $4,427 |
| 77 monthsAge 10 / 5th grade; term 6y 5m (77 months); savings goal of $500 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 8.00% | $6,386 |
| 89 monthsAge 9 / 4th grade; term 7y 5m (89 months); savings goal of $400 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 9.00% | $8,949 |
| 101 monthsAge 8 / 3rd grade; term 8y 5m (101 months); savings goal of $300 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $12,304 |
| 113 monthsAge 7 / 2nd grade; term 9y 5m (113 months); savings goal of $200 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $14,535 |
| 125 monthsAge 6; term 10y 5m (125 months); savings goal of $100 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $16,988 |
| 137 monthsAge 5; term 11y 5m (137 months); savings goal of $100 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $19,687 |
| 149 monthsAge 4; term 12y 5m (149 months); savings goal of $100 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $22,656 |
| 161 monthsAge 3; term 13y 5m (161 months); savings goal of $100 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $25,921 |
| 173 monthsAge 2; term 14y 5m (173 months); savings goal of $100 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $29,513 |
| 185 monthsAge 0-1y; term 15y 5m (185 months); savings goal of $100 saved by June 30th; fixed rate; no penalty for early withdrawal; no renewals | 10.00% | $33,465 |
Sources (2)
- gpofcu.com/_/kcms-doc/2089/987…th-in-Savings-8.3.26.pdf
- gpofcu.com/bank/personal-savin…ure-savings-program.html
All captured Oct 5, 2026
Bright Savers Fallback Certificates
5.00%APY · 7 terms
Available to accountholders ages 11 through 17 who fail to meet the savings goals for a Bright Savers Certificate. Must have an active, linked Bright Future Savings account. Fixed rate; no early withdrawal penalties; deposits cannot exceed minimum opening deposit and additional deposits are not allowed; no renewals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsFixed dividend rate; no early withdrawal penalty; no renewals; deposits cannot exceed minimum opening deposit | 5.00% | $205 |
| 17 monthsFixed dividend rate; no early withdrawal penalty; no renewals; deposits cannot exceed minimum opening deposit | 5.00% | $716 |
| 29 monthsFixed dividend rate; no early withdrawal penalty; no renewals; deposits cannot exceed minimum opening deposit | 5.00% | $1,251 |
| 41 monthsFixed dividend rate; no early withdrawal penalty; no renewals; deposits cannot exceed minimum opening deposit | 5.00% | $1,814 |
| 53 monthsFixed dividend rate; no early withdrawal penalty; no renewals; deposits cannot exceed minimum opening deposit | 5.00% | $2,405 |
| 65 monthsFixed dividend rate; no early withdrawal penalty; no renewals; deposits cannot exceed minimum opening deposit | 5.00% | $3,025 |
| 77 monthsFixed dividend rate; no early withdrawal penalty; no renewals; deposits cannot exceed minimum opening deposit | 5.00% | $3,676 |
Sources (1)
- gpofcu.com/_/kcms-doc/2089/987…th-in-Savings-8.3.26.pdf · captured Oct 5, 2026
Educational IRA Term Share Certificates
Up to 4.50%APY · 6 terms
Educational IRAs. Minimum balance/opening deposit of $500 for standard terms, $1,000 for 11-month special. Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period.
| Term | APY · $500 and up | APY · $1,000 – $25,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 11 months11-Month Term Share Certificate Special. Minimum opening deposit/balance $1,000; maximum deposit $25,000. Limit one per member during promotional period. Early withdrawal penalties apply. Additional deposits not allowed. Automatically renews into 12-month Term Share Certificate at prevailing rate | — | 4.50% | 4.50% | $412 |
| 12 monthsFixed dividend rate; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | 4.00% | — | 4.00% | $400 |
| 24 monthsFixed dividend rate; 120 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | 3.75% | — | 3.75% | $764 |
| 36 monthsFixed dividend rate; 150 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | 3.75% | — | 3.75% | $1,168 |
| 48 monthsFixed dividend rate; 210 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | 3.75% | — | 3.75% | $1,587 |
| 60 monthsFixed dividend rate; 270 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | 3.75% | — | 3.75% | $2,021 |
Sources (2)
- gpofcu.com/_/kcms-doc/2089/987…th-in-Savings-8.3.26.pdf
- gpofcu.com/bank/personal-checking/classic-checking.html
All captured Oct 5, 2026
IRA Term Share Certificates
Up to 4.50%APY · 6 terms
Traditional and Roth IRAs. Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000 required.
| Term | APY · $1,000 – $25,000 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 11 months11-Month Term Share Certificate Special. Minimum deposit to open and minimum balance required to earn the advertised APY is $1,000.00. Maximum deposit is $25,000. Limit one per member during the promotional period. Early withdrawal penalties apply. Additional deposits are not allowed. Automatically renews into 12-month Term Share Certificate at prevailing rate | 4.50% | — | 4.50% | $412 |
| 12 monthsFixed dividend rate; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | 4.00% | 4.00% | $400 |
| 24 monthsFixed dividend rate; 120 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | 3.75% | 3.75% | $764 |
| 36 monthsFixed dividend rate; 150 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | 3.75% | 3.75% | $1,168 |
| 48 monthsFixed dividend rate; 210 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | 3.75% | 3.75% | $1,587 |
| 60 monthsFixed dividend rate; 270 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | — | 3.75% | 3.75% | $2,021 |
Sources (2)
- gpofcu.com/_/kcms-doc/2089/987…th-in-Savings-8.3.26.pdf
- gpofcu.com/bank/personal-checking/classic-checking.html
All captured Oct 5, 2026
Kids Term Share Certificate
4.00%APY · 1 term
Fixed dividend rate; dividends compounded and credited monthly; minimum opening deposit $250; additional deposits not allowed; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed dividend rate; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed | 4.00% | $400 |
Sources (1)
- gpofcu.com/_/kcms-doc/2089/987…th-in-Savings-8.3.26.pdf · captured Oct 5, 2026
Who can join G.P.O. Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals qualify for membership if they live, work, attend school, worship, or regularly conduct business in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County.
- Individuals qualify for membership by volunteering within the field of membership across eligible counties.
Family and household
- Immediate family or household members are eligible for membership.
Other ways
- Organizations, corporations, businesses, and other legal entities located in eligible areas or within the field of membership qualify for membership.
Membership information collected October 5, 2026.