LoginWith an IRA Share Certificate, you can lock in the rates of a Certificate which are the benefits of an IRA. Receive high yields, paid monthly, while your earnings are tax-deferred until you begin making withdrawals.
Requirements:
- A minimum balance of $1,000 is required to open an IRA Certificate for a term of one to five years.
Effective Date: Tuesday, October 14, 2025
| Account | Dividend Rate | APY* | |
|---|---|---|---|
| Share Savings (Including IRA) | $100 minimum to earn | 0.100% | 0.10% |
*APY = Annual Percentage Yield. All dividend rates and APY may change at any time, as determined by GLCU Board of Directors. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates and Santa Saver Accounts. Additional account information is provided in separate Account Disclosures.
**Balances up to $10,000 will earn the stated dividend rate and the portion of the balance over $10,000 will earn the standard savings dividend rate. Dividends will be paid on ONE Ultimate Checking Account per member. Fees could reduce earnings. Also applies to Young Adult Ultimate Checking Account.
Minimum requirements to earn dividends:
1. Maintain a monthly Direct Deposit of $500.00 or more
2. 10 Debit Card purchases per month totaling $100.00 or more - signature purchases only, no Returns, PIN or ATM. Purchases must be posted to the account during the month to count toward the 10
3. You must be enrolled in eStatements, and an active user of GLCU's online Bill Pay or Mobile Banking