Credit union · NCUA insured
GTE Financial CD Rates
A $3.1B credit union, the 160th largest of 4,329, headquartered in Tampa, FL, with 233,973 members and 24 branches in Florida.
How GTE Financial’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where GTE Financial has the most branches. $10,000, best rate first.
This credit union’s best
GTE Financial
3.56%APY
- Term
- 12 months
- Minimum
- $0
- Earns on $10,000
- $356
IRA Share Certificates
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Share Certificates
Up to 3.56%APY · 8 terms
Must establish or have a primary savings account with GTE Financial. Non-Jumbo certificates offered as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates. Traditional IRA Jumbo certificates available for balances $100,000+. No penalties for monthly dividend withdrawals or required minimum distributions prior to maturity. Early withdrawal penalties apply otherwise. No withdrawals permitted during the first 60 days.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.40% | — | 3.40% | $169 |
| 6 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.66% | —3.66% from $100k | — |
| 12 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.56% | — | 3.56% | $356 |
| 12 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.82% | —3.82% from $100k | — |
| 18 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.30% | — | 3.30% | $499 |
| 18 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.56% | —3.56% from $100k | — |
| 24 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.35% | — | 3.35% | $681 |
| 24 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.61% | —3.61% from $100k | — |
| 30 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.40% | — | 3.40% | $872 |
| 30 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.66% | —3.66% from $100k | — |
| 36 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.45% | — | 3.45% | $1,071 |
| 36 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.71% | —3.71% from $100k | — |
| 48 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.51% | — | 3.51% | $1,480 |
| 48 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.76% | —3.76% from $100k | — |
| 60 monthsAvailable as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA certificates | 3.56% | — | 3.56% | $1,911 |
| 60 monthsTraditional IRA Jumbo Share Certificate tier | — | 3.82% | —3.82% from $100k | — |
Sources (1)
- gtefinancial.org/products/ira-share-certificates · captured Sep 18, 2026
Who can join GTE Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school within specified portions of certain Florida ZIP codes is eligible for membership.
Employers and groups
- Employees of GTE Financial and their immediate family members can join.
- Employees of companies that become GTE Financial Community Partners are eligible for membership.
Family and household
- Family members of a primary member are eligible for membership.
Other ways
- Individuals can qualify for credit union membership by joining the CU Savers educational financial club.
Cost to join
- A one-time membership fee of $10 is required to join CU Savers.
Membership information collected October 5, 2026.