Credit union · NCUA insured
Greater Experience Credit Union CD Rates
Greater Experience Credit Union’s best CD rate is 3.50% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Greater Experience Credit Union’s CD rates compare
Compared with banks and credit unions near Johnson City, TN, where Greater Experience Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Greater Experience Credit Union
3.50%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,475
Share Certificates
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Greater Experience Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo2.95%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Greater Experience 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 3.50%APY · 6 terms
Penalty applied for early withdrawal of funds. Rates are subject to change without notice. Contact GECU for complete account disclosures. Fees or other conditions could reduce earnings on your account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded at maturity. Early withdrawal penalty applies | 2.75% | $137 |
| 12 monthsCompounded quarterly. Early withdrawal penalty applies | 2.95% | $295 |
| 24 monthsCompounded quarterly. Early withdrawal penalty applies | 3.25% | $661 |
| 36 monthsCompounded quarterly. Early withdrawal penalty applies | 3.25% | $1,007 |
| 48 monthsCompounded quarterly. Early withdrawal penalty applies | 3.50% | $1,475 |
| 60 monthsCompounded quarterly. Early withdrawal penalty applies | 3.50% | $1,877 |
Sources (1)
- greatereastern.org/a-rates.html · captured Sep 18, 2026
Special-purpose accounts
Teen CD Special
5.00%APY
Compounded quarterly. Penalty applied for early withdrawal of funds. Rates are subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSpecial certificate term and rate. Compounded quarterly. Early withdrawal penalty applies.Any balance | 5.00% | $500 | Special certificate term and rate. Compounded quarterly. Early withdrawal penalty applies. |
Sources (1)
- greatereastern.org/a-rates.html · captured Sep 18, 2026
Youth CD Special
4.00%APY
Compounded quarterly. Penalty applied for early withdrawal of funds. Rates are subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSpecial certificate term and rate. Compounded quarterly. Early withdrawal penalty applies.Any balance | 4.00% | $400 | Special certificate term and rate. Compounded quarterly. Early withdrawal penalty applies. |
Sources (1)
- greatereastern.org/a-rates.html · captured Sep 18, 2026
Student Share Certificates
Up to 3.50%APY · 6 terms
Penalty applied for early withdrawal of funds. Rates are subject to change without notice. Contact GECU for complete account disclosures. Fees or other conditions could reduce earnings on your account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded at maturity. Early withdrawal penalty applies | 2.75% | $137 |
| 12 monthsCompounded quarterly. Early withdrawal penalty applies | 2.95% | $295 |
| 24 monthsCompounded quarterly. Early withdrawal penalty applies | 3.25% | $661 |
| 36 monthsCompounded quarterly. Early withdrawal penalty applies | 3.25% | $1,007 |
| 48 monthsCompounded quarterly. Early withdrawal penalty applies | 3.50% | $1,475 |
| 60 monthsCompounded quarterly. Early withdrawal penalty applies | 3.50% | $1,877 |
Sources (1)
- greatereastern.org/a-rates.html · captured Sep 18, 2026
Who can join Greater Experience 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 who live, work, worship, or attend school in Washington, Carter, or Unicoi County are eligible for membership.
Military, government and schools
- Individuals who are currently employed or retired from a government employer and live or work in Greene and/or Sullivan County are eligible for membership.
Family and household
- Immediate family members of current GECU members are eligible for membership.
Cost to join
- A one-time membership fee of $1.00 is required upon joining.
- A minimum savings account deposit/balance of $5 is required for membership.
Membership information collected October 5, 2026.