Credit union · NCUA insured
Guthrie Community Credit Union CD Rates
Guthrie Community Credit Union’s best CD rate is 3.67% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Guthrie Community Credit Union’s CD rates compare
Compared with banks and credit unions near Sayre, PA, where Guthrie Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Guthrie Community Credit Union
3.67%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,975
Share Certificate
Top rate
First Citizens Community Bank
4.22%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $603
2nd-highest rate
Ingersoll Rand Federal Credit Union
4.22%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $640
Guthrie Community Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo2.74%
- 9–15 months9–15 mo3.46%
- 16–30 months16–30 mo3.46%
- 31–60 months31–60 mo3.67%
- QualifiedQualified3.67%
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 Guthrie Community 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 Certificate
Up to 3.67%APY · 9 terms
Membership required with a $10 deposit. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDaily Balance dividend method; daily compounding; dividends paid monthly | 1.82% | $45 |
| 6 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 2.74% | $136 |
| 12 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.46% | $346 |
| 18 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.46% | $523 |
| 24 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.46% | $704 |
| 30 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.46% | $888 |
| 36 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.61% | $1,123 |
| 48 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.61% | $1,524 |
| 60 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.67% | $1,975 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.67%APY · 5 terms
Membership required with a $10 deposit. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.46% | $346 |
| 24 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.46% | $704 |
| 36 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.61% | $1,123 |
| 48 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.61% | $1,524 |
| 60 monthsDaily Balance dividend method; daily compounding; dividends paid quarterly | 3.67% | $1,975 |
Sources (2)
All captured Oct 6, 2026
Who can join Guthrie Community 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 Tompkins, Schuyler, Tioga, Chemung, or Steuben Counties in New York, or Bradford or Tioga Counties in Pennsylvania are eligible to join.
Family and household
- Immediate family members of current GCCU members are eligible to join.
Membership information collected October 5, 2026.