Deposit rates

Deposit account rates are what you, the depositor, stand to gain from keeping your money in an account or certificate. Some accounts offer one rate to all accountholders, while others have a tiered system with rates that grow with your balance. Secure your future with the best checking accounts, competitive certificates rates, and more.

Savings

Individual Retirement Account (IRA) Savings

Minimum Balance Rate APY
$0 .04% .05%

Effective 5.20.2021

Savings account

Minimum Balance Rate APY
$5.00 .04% .05%

Effective 5.20.2021

Christmas Club account

Minimum Balance Rate APY
$0 .05% .05%

Effective 5.20.2021

Vacation Club account

Balance Rate APY
$0 .04% .05%

Effective 5.20.2021

Certificates

Certificates

Term Minimum Balance Rate APY
6 - Month Certificate $500 .29% .30%
1 - Year Certificate $500 .49% .50%
2 - Year Certificate $500 .59% .60%
3 - Year Certificate $500 .64% .65%
5 - Year Certificate $500 .79% .80%
1 - Year Jumbo Certificate $100,000 .54% .55%
2 - Year Jumbo Certificate $100,000 .64% .65%

Effective 4.9.2021

IRA Certificates

Term Minimum Balance Rate APY
6 - Month Certificate $500 .29% .30%
1 - Year Certificate $500 .49% .50%
2 - Year Certificate $500 .59% .60%
3 - Year Certificate $500 .64% .65%
5 - Year Certificate $500 .79% .80%
1 - Year Jumbo Certificate $100,000 .54% .55%
2 - Year Jumbo Certificate $100,000 .64% .65%

Effective 4.9.2021

Health Savings Account (HSA) Certificates

Term Minimum Balance Rate APY
6 - Month Certificate $500 .29% .30%
1 - Year Certificate $500 .49% .50%
2 - Year Certificate $500 .59% .60%
3 - Year Certificate $500 .64% .65%

Effective 4.9.2021

Money Market accounts

Thrive Money Market

Deposit Amount Rate APY
$100 - $4,999.99 .14% .15%
$5,000 - $24,999.99 .19% .20%
$25,000+ .39% .40%

Effective 4.9.2021

IRA Money Market

Deposit Amount Rate APY
$100 - $4,999.99 .14% .15%
$5,000 - $24,999.99 .19% .20%
$25,000+ .39% .40%

Effective 4.9.2021

Checking accounts

Choice Checking

Deposit Amount Rate APY
Up to $4,999.99 .05% .05%
$5,000+ .10% .10%

Effective 2.20.2019

Amplified High-Yield Checking1

Deposit Amount Rate APY
Up to $1,499.99 .05% .05%
$1,500 - $49,999.99 .20% .20%
$50,000 - $249,999.99 .54% .55%
$250,000 - $999,999.99 (Variable based on 1-Month Treasury Bill) .54% .55%
$1,000,000+ (Variable based on 1-Month Treasury Bill) .54% .55%

Effective 02.08.22

HSA Checking Account

Deposit Amount Rate APY
$0 .10% .10%

Effective 7.30.2018

Savings

Individual Retirement Account (IRA) Savings

Minimum Balance Rate APY
$0 .04% .05%

Effective 5.20.2021

Savings account

Minimum Balance Rate APY
$5.00 .04% .05%

Effective 5.20.2021

Christmas Club account

Minimum Balance Rate APY
$0 .05% .05%

Effective 5.20.2021

Vacation Club account

Balance Rate APY
$0 .04% .05%

Effective 5.20.2021

Certificates

Certificates

Term Minimum Balance Rate APY
6 - Month Certificate $500 .29% .30%
1 - Year Certificate $500 .49% .50%
2 - Year Certificate $500 .59% .60%
3 - Year Certificate $500 .64% .65%
5 - Year Certificate $500 .79% .80%
1 - Year Jumbo Certificate $100,000 .54% .55%
2 - Year Jumbo Certificate $100,000 .64% .65%

Effective 4.9.2021

IRA Certificates

Term Minimum Balance Rate APY
6 - Month Certificate $500 .29% .30%
1 - Year Certificate $500 .49% .50%
2 - Year Certificate $500 .59% .60%
3 - Year Certificate $500 .64% .65%
5 - Year Certificate $500 .79% .80%
1 - Year Jumbo Certificate $100,000 .54% .55%
2 - Year Jumbo Certificate $100,000 .64% .65%

Effective 4.9.2021

Health Savings Account (HSA) Certificates

Term Minimum Balance Rate APY
6 - Month Certificate $500 .29% .30%
1 - Year Certificate $500 .49% .50%
2 - Year Certificate $500 .59% .60%
3 - Year Certificate $500 .64% .65%

Effective 4.9.2021

Money Market accounts

Thrive Money Market

Deposit Amount Rate APY
$100 - $4,999.99 .14% .15%
$5,000 - $24,999.99 .19% .20%
$25,000+ .39% .40%

Effective 4.9.2021

IRA Money Market

Deposit Amount Rate APY
$100 - $4,999.99 .14% .15%
$5,000 - $24,999.99 .19% .20%
$25,000+ .39% .40%

Effective 4.9.2021

Checking accounts

Choice Checking

Deposit Amount Rate APY
Up to $4,999.99 .05% .05%
$5,000+ .10% .10%

Effective 2.20.2019

Amplified High-Yield Checking1

Deposit Amount Rate APY
Up to $1,499.99 .05% .05%
$1,500 - $49,999.99 .20% .20%
$50,000 - $249,999.99 .54% .55%
$250,000 - $999,999.99 (Variable based on 1-Month Treasury Bill) .54% .55%
$1,000,000+ (Variable based on 1-Month Treasury Bill) .54% .55%

Effective 02.08.22

HSA Checking Account

Deposit Amount Rate APY
$0 .10% .10%

Effective 7.30.2018

Don't see your account listed?

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

Money Minutes Blog

FREE eBook: The Ultimate Beginner's Guide to Credit Scores

The world of credit scores doesn't have to be confusing. Enjoy our free, downloadable eBook The Ultimate Beginner's Guide to Credit Scores.

Read more
6 Ways to Maintain Control Over Your Debit Card

You may be wondering just how these Debit Card Controls boost your account security. From keeping you up to date on account activity to stopping fraud in its tracks, there are a variety of reasons to customize your controls.

Read more
Ransomware: 21st Century Blackmail

If you’ve paid attention to the news recently, the term 'ransomware' should ring a bell. It seems every other week a company is in the news reporting a breach or major outage due to a ransomware attack. But what exactly is ransomware, and what can you do to keep your personal data and devices safe?

Read more
Financial institutions aren't all the same
At General Electric Credit Union, the big difference is we focus on improving people's lives, not padding our profits.