Credit union · NCUA insured
GTE Financial Savings Rates
GTE Financial’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How GTE Financial’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $50
Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
GTE Financial savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 GTE Financial ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.50%APY
Rates accurate as of last dividend declaration date and may change after account opening. No minimum opening deposit required. Access funds without penalty.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,500$0 to open | 0.30% | $0 | — | |
| $2,500 – $10,000$0 to open | 0.40% | $0 | — | |
| $10,000 – $50,000$0 to open | 0.50% | $0 | $50 | |
| $50,000 – $100,000$0 to open | 0.60% | $0 | — | |
| $100,000 – $250,000$0 to open | 1.00% | $0 | — | |
| $250,000 and upSpecial increased yield promotion for balances $250,000+. APY accurate as of last dividend declaration date and may change after account opening. · Unknown to open | 3.51% | Unknown | — | Special increased yield promotion for balances $250,000+. APY accurate as of last dividend declaration date and may change after account opening. |
| $250,000 and up$0 to open | 2.07% | $0 | — |
Savings Account (Regular Shares)
0.15%APY
Primary savings account / Member-Owner Share requires a $5 deposit to become a member. Balances of $100 or more earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $500 | 0.50% | — |
| $500 and up | 0.15% | $15 |
Special Shares
0.05%APY
Special savings accounts offered alongside basic regular share savings accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Sources (1)
- gtefinancial.org/products/savings-accounts · captured Sep 24, 2026
Special-purpose accounts
IRA Savings Account
0.50%APY
Offered as Traditional IRA, Roth IRA, Coverdell ESA, and SEP IRA. Must have or establish an IRA or Coverdell ESA with GTE Financial. Dividends compound monthly and are paid on the last day of the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.30% | — |
| $2,500 – $10,000 | 0.40% | — |
| $10,000 – $50,000 | 0.50% | $50 |
| $50,000 – $100,000 | 0.60% | — |
| $100,000 – $250,000 | 1.00% | — |
| $250,000 and up | 2.07% | — |
Sources (3)
- gtefinancial.org/products/ira-savings-account
- gtefinancial.org/es/personal/spend-save/iras
- gtefinancial.org/personal/spend-save/iras
All captured Sep 24, 2026
Early Saver Account
0.00%APY
Designed for children 17 and under; transitions to an adult savings account at age 18. No monthly fee and no minimum balance requirements. Children 12 and under must sign up in branch with a parent/guardian; age 13+ can apply online.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Advertised APY earned on balances up to $499.99 on primary savings account. | 0.05% | — | Advertised APY earned on balances up to $499.99 on primary savings account. |
| $500 and upBalances of $500.00 or more earn 0.00% APY. | 0.00% | $0 | Balances of $500.00 or more earn 0.00% APY. |
Sources (3)
- gtefinancial.org/products/early-saver-account
- gtefinancial.org/es/personal/spend-save/savings
- gtefinancial.org/personal/spend-save/savings
All captured Sep 24, 2026
Health Savings Account (HSA)
0.05%APY
Requires enrollment in a High Deductible Health Plan (HDHP). Set aside money for qualified medical expenses and enjoy triple tax advantages. There is a $5 monthly fee to use the GTE HSA account, but no minimum balance to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY earned on all balances. There is a $5 monthly fee to use the GTE HSA account, but no minimum balance to open.Any balance | 0.05% | $5 | APY earned on all balances. There is a $5 monthly fee to use the GTE HSA account, but no minimum balance to open. |
Sources (2)
- gtefinancial.org/products/health-savings-account
- gtefinancial.org/es/personal/s…/health-savings-accounts
All captured Sep 24, 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.