Deposit Rates

Effective Date:

Checking Accounts

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Product Interest Checking

Minimum Balance to Earn APY*$0.01 - $500.00

$500.01 - $10,000.00

$10,000.01 +

Annual Percentage Yield (APY)5.00%

3.00%

0.01%

Dividend Rate4.89%

2.96%

0.01%

Minimum to Open $25.00

Open Account

Product Free Checking

Minimum Balance to Earn APY*$0.00

Annual Percentage Yield (APY)0.00%

Dividend Rate0.00%

Minimum to Open $25.00

Open Account

Product18/65 Checking

Minimum Balance to Earn APY*$0.00

Annual Percentage Yield (APY)0.00%

Dividend Rate0.00%

Minimum to Open $10.00

Open Account

ProductNew Start Checking

Minimum Balance to Earn APY*$0.00

Annual Percentage Yield (APY)0.00%

Dividend Rate0.00%

Minimum to Open $25.00

Open Account

*Annual Percentage Yield (APY). Rates are variable and subject to change without notice. Fees may reduce earnings. Other rates and accounts available. Speak with a Better Banking Representative for more information or view our Terms and Conditions.

Savings Accounts

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

ProductStatement Savings

Minimum Balance to Earn APY*$0.01

$50.00

$500.00

$5,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.05%

0.05%

Dividend Rate0.00%

0.05%

0.05%

0.05%

Minimum to Open $30.00

Open Account

ProductFusion Savings

Minimum Balance to Earn APY*$0.01

$25,000.00+

Annual Percentage Yield (APY)2.85%

1.85%

Dividend Rate2.81%

1.83%

Minimum to Open $1,000.00

Open Account

Product18/65 Savings

Minimum Balance to Earn APY*$0.01

$10.00+

Annual Percentage Yield (APY)0.00%

0.05%

Dividend Rate0.00%

0.05%

Minimum to Open $10.00

Open Account

ProductSavings IRA

Minimum Balance to Earn APY*$0.01

$50.00

$500.00

$5,000.00

Annual Percentage Yield (APY)0.00%

0.05%

0.05%

0.05%

Dividend Rate0.00%

0.05%

0.05%

0.05%

Minimum to Open $50.00

Open Account

*Annual Percentage Yield (APY). Rates are variable and subject to change without notice. Fees may reduce earnings. Other rates and accounts are available speak with a Better Banking Representative for more information or view our Terms and Conditions.

Money Market

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Money Market Rates

Minimum Balance to Earn APY*$0.01 - $2,499.99

$2,500.00 - $24,999.99

$25,000.00 - $49,999.99

$50,000.00 - $99,999.99

$100,000.00 - $249,999.99

$250,000.00 - $499,999.99

$500,000.00 - $999,999.99

$1,000,000.00 and above

Annual Percentage Yield (APY)0.00%

0.75%

1.00%

1.00%

1.35%

1.65%

2.25%

2.40%

Dividend Rate0.00%

0.75%

1.00%

1.00%

1.35%

1.65%

2.25%

2.40%

Minimum to Open $2,500.00

Open Account

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*Annual Percentage Yield (APY). Rates are variable and subject to change without notice. Fees may reduce earnings.

Cash Management Accounts*

Product

Minimum Balance to Earn APY**

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Cash Management Rates

Minimum Balance to Earn APY**$0.01 - $499.99

$500.00 - $2,499.99

$2,500.00 - $9,999.99

$10,000.00 - $24,999.99

$25,000.00 - $49,999.99

$50,000.00 - $99,999.99

$100,000.00 and above

Annual Percentage Yield (APY)0.00%

0.05%

0.05%

0.10%

0.10%

0.10%

0.10%

Dividend Rate0.00%

0.05%

0.05%

0.10%

0.10%

0.10%

0.10%

Minimum to Open$2,500.00

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*This is not an active product. Rates are posted for reference purposes only for members currently with active cash management accounts. The minimum balance required to avoid a service fee of $7.50/month is $2,500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY.

**Annual Percentage Yield (APY). Rates are variable and subject to change without notice. Fees may reduce earnings.

Term Share Certificates

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Product3 < 6 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.20%

Dividend Rate0.20%

Minimum to Open $500.00

Open Account

Product5 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)3.50%

Dividend Rate3.45%

Minimum to Open $500.00

Open Account

Product6 < 12 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.25%

Dividend Rate0.25%

Minimum to Open $500.00

Open Account

Product10 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)4.10%

Dividend Rate4.02%

Minimum to Open $500.00

Open Account

Product12 < 24 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.35%

Dividend Rate0.35%

Minimum to Open $500.00

Open Account

Product15 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)4.10%

Dividend Rate4.02%

Minimum to Open $500.00

Open Account

Product24 < 36 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.40%

Dividend Rate0.40%

Minimum to Open $500.00

Open Account

Product25 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)3.40%

Annual Percentage Yield (APY)3.35%

Minimum to Open $500.00

Open Account

Product 36 < 48 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.60%

Dividend Rate0.60%

Minimum to Open $500.00

Open Account

Product 48 < 60 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.75%

Dividend Rate0.75%

Minimum to Open $500.00

Open Account

Product 60 =/< 84 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.85%

Dividend Rate0.85%

Minimum to Open $500.00

Open Account

Existing 24-month Bump-up Term Share Certificate account holders, please call or visit your local GFA for current rates.

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*Annual Percentage Yield (APY). Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.

*Annual Percentage Yield (APY). Rates subject to change without notice. A penalty may be imposed for early withdrawal. Minimum $500 to open and maximum of $250,000 per household. New money only. Requires GFA checking account. If account is closed during the duration of the certificate, the 2.18% APY will be reduced to 1.25% APY after the first day of the following month. **Offer only valid with copy of GFA distributed rain check until 2/28/18.

Student Saver Certificate

Term

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Term 12 Months

Minimum Balance to Earn APY*$100.00

Annual Percentage Yield (APY)4.00%

Dividend Rate3.93%

Minimum to Open $100.00

Open Account

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*Annual Percentage Yield (APY). 18 or younger may take advantage of this special fixed term share certificate. Penalties for early withdrawal of principal are calculated as 90 days - 365 days simple interest on the amount of Principal withdrawn. Rates are subject to change without notice.

IRA Share Certificates

Product

Minimum Balance to Earn APY*

Annual Percentage Yield (APY)

Dividend Rate

Minimum to Open

Product 3 < 6 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.20%

Dividend Rate0.20%

Minimum to Open$500.00

Open Account

Product5 Months

Minimum Balance to Earn APY**$500.00

Annual Percentage Yield (APY)3.50%

Dividend Rate3.45%

Minimum to Open $500.00

Open Account

Product6 < 12 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.25%

Dividend Rate0.25%

Minimum to Open $500.00

Open Account

Product10 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)4.10%

Dividend Rate4.02%

Minimum to Open $500.00

Open Account

Product 12 < 24 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.35%

Dividend Rate0.35%

Minimum to Open $500.00

Open Account

Product15 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)4.10%

Dividend Rate4.02%

Minimum to Open $500.00

Open Account

Product 24 < 36 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.40%

Dividend Rate0.40%

Minimum to Open $500.00

Open Account

Product25 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)3.40%

Dividend Rate3.35%

Minimum to Open $500.00

Open Account

Product 36 < 48 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.60%

Dividend Rate0.60%

Minimum to Open $500.00

Open Account

Product 48 < 60 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.75%

Dividend Rate0.75%

Minimum to Open $500.00

Open Account

Product 60 =/< 84 Months

Minimum Balance to Earn APY*$500.00

Annual Percentage Yield (APY)0.85%

Dividend Rate0.85%

Minimum to Open $500.00

Open Account

Existing 24-month Bump-up IRA Share Certificate account holders, please call or visit your local GFA for current rates.

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.

*Annual Percentage Yield (APY). Rates subject to change without notice. Early withdrawal is subject to penalty and may reduce earnings.