Grow Your Money with High Fixed Returns

Choose a term that fits your timeline with no market risk!

WHAT IS A CERTIFICATE?

A Certificate is a secure, low-risk savings account that pays a fixed interest rate on a one-time deposit for a set term (e.g., 6 months or 1 year). By keeping your funds in the account until maturity, you can earn a significantly higher interest rate than a traditional savings account or even a high-yield savings account.

For example, if you deposit $10,000 into a 1-year certificate with a 3.60% Annual Percentage Yield (APY), you would earn $360 in interest. At maturity, your account balance would be $10,360.

RATES:

➤ 3, 6, and 9 months: 3.60% APY
➤ 12 months: 3.65% APY
➤ 18 months: 3.60% APY
➤ Minimum balance for all
Certificates: $1,000

WHICH TERM IS RIGHT FOR ME?

Short-Term (3-6 Months) - Best for Students & Flexibility• You may need funds soon for tuition, rent, or summer plans
•  You want to keep your options open
Longer-Term (9-18 Months) - Best for Stability•  You want “set-it-and-forget-it” savings
•  You don’t need the funds soon and prefer predictability & higher returns

Why Should I Open a Certificate?

PREDICTABLE, FIXED RETURNS

Lock in a fixed rate and know exactly how much your savings will earn over the term.

LOW RISK, NO MARKET EXPOSURE

Your money isn’t affected by market ups and downs, making Certificates a stable savings option.

HIGHER EARNINGS THAN OTHER SAVINGS ACCOUNTS

Certificates typically offer higher interest rates than traditional and high-yield savings accounts in exchange for keeping funds on deposit until maturity.

FREQUENTLY ASKED QUESTIONS:

Is my money locked?Funds are committed until maturity. Early withdrawals will result in a penalty.
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When is interest paid?Interest is paid at certificate maturity.

What's the minimum to open?The minimum balance to open any of our certificate products is $1,000.

Can I add money after opening?No. However, you may open an additional certificate at any time.

What happens at maturity?You may renew the certificate, withdraw the funds, or transfer them to another account.
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READY TO LOCK-IN A RATE?
OPEN A CERTIFICATE NOW

GUASFCU certificates are currently restricted to new money not already on deposit with GUASFCU
Rates are subject to change without notice
Membership eligibility requirements apply
View detailed disclosures in the application