Credit union · NCUA insured
GSA FCU CD Rates
GSA FCU’s best CD rate is 4.01% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How GSA FCU’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where GSA FCU has the most branches. $10,000, best rate first.
This credit union’s best
GSA FCU
4.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,172
Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
GSA FCU CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.14%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.71%
- 31–60 months31–60 mo4.01%
- QualifiedQualified4.01%
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 GSA FCU 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 Certificate
Up to 4.01%APY · 6 terms
Deposit of $1,000 or more. Terms range from 6 months to 60 months. Rates reflect a minimum monthly direct deposit of $200; accounts without direct deposit receive a 0.25% reduction.
| Term | APY · Up to $100,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsCap of $100,000. Rates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate | 3.14% | — | 3.14% | $156 |
| 12 monthsRates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate | — | 3.75% | 3.75% | $375 |
| 24 monthsRates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate | — | 3.71% | 3.71% | $756 |
| 36 monthsRates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate | — | 3.80% | 3.80% | $1,184 |
| 48 monthsRates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate | — | 3.86% | 3.86% | $1,636 |
| 60 monthsRates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate | — | 4.01% | 4.01% | $2,172 |
Who can join GSA FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Fort Washington Alumnae Chapter, Delta Sigma Theta Sorority, Incorporated are eligible to join.
- Employees of EGA Associates, LLC are eligible to join.
- Employees of Fingerprints Child Development Center who work in Washington, D.C. are eligible to join.
- Employees of District of Columbia Randolph-Sheppard Nominee, Inc., Decision Systems Technologies, Inc. or Master Security, Inc. that are under contract with GSA and work in the GSA Central Office building are eligible to join.
- Employees of Physiocare Rehab & Wellness are eligible to join.
- Members and Affiliates of Triumphant Church of the Redeemed are eligible to join.
14 more ways to join
Employers and groups
- Employees and contractors of Trust Security Services are eligible to join.
Military, government and schools
- Employees of Committee for Purchase from People who are Blind or Severely Disabled are eligible to join.
- Employees and contractors of Equal Employment Opportunity Commission and employees and contractors who work in the EEOC building, U.S. Commission on Civil Rights or Advisory Council on Intergovernmental Relations are eligible to join.
- Employees of Federal Mediation and Conciliation Service are eligible to join.
- Employees and contractors of GSA nationwide are eligible to join.
- Former employees and contractors of GSA nationwide are eligible to join.
- GSA retirees are eligible to join.
- Employees of The Institute of Museum and Library Services are eligible to join.
- Employees of National Advisory Council on Economic Opportunity are eligible to join.
- Employees of National Archives and Records Administration are eligible to join.
- Employees of U.S. Commission on Civil Rights are eligible to join.
- Employees of U.S. Institute for Peace are eligible to join.
Family and household
- Everyone related to a current member by blood, adoption or marriage is eligible to join GSA FCU, regardless of where s/he lives.
Other ways
- Badge holders of any GSA building where the Credit Union has a physical presence are eligible to join.
Membership information collected October 4, 2026.