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Certificate Account

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For growing your money with a guaranteed fixed rate of return, a Certificate Account is hard to beat. Your rate is locked in when it is opened – eliminating the volatility inherent in other investments. With term options ranging 3 months to 60 months, it will be easy to find a Certificate that’s right for you.

  • Savings option that typically earns the highest rate of return than a regular savings account where the dividends are compounded daily.
  • Open a Certificate with as little as $500.
  • Lock in a guaranteed rate of return for a variety of terms between 3 – 60 months.
  • Most Certificates are also available as Traditional or Roth IRAs.
  • The funds in your certificate are insured by the National Credit Union Share Insurance Fund (NCUSIF).
  • Can be pledged as collateral for a secured loan (certain conditions apply)

How do I open an account

What You Need:

  • If you are a NEW member you will first need to first open a Savings account online or in branch, you’ll need an unexpired government issued identification such as a State-issued Driver’s License or a U.S. Passport.
  • If you are an EXISTING member you may open an account securely and conveniently through Digital Banking or at a branch where you will be required to provide a government issued ID.

Initial Deposit– There is a $500 Minimum deposit required when opening a Certificate Account.

  • If opening an account through Digital Banking you can fund the account through ACH from another Financial Institution, transfer from any existing Greater Alliance account or use a Debit or Credit Card to fund the account.
  • If opening an account at a branch, you can transfer funds from another Greater Alliance account or deposit funds using a Check.
Product Rate APY Crediting Frequency
3 Month 1.49% 1.50% Monthly
6 Month 2.47% 2.50% Monthly
12 Month 3.44% 3.50% Monthly
15 Month 3.54% 3.60% Monthly
18 Month 3.68% 3.75% Monthly
24 Month 3.78% 3.85% Monthly
36 Month 3.78% 3.85% Monthly
48 Month 3.78% 3.85% Monthly
60 Month 3.78% 3.85% Monthly

Savings Account

  • Personal Savings
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GAFCU | A Greater Way to Bank

40 W Century Rd, Paramus, NJ 07652

NCUA
Your savings are federally insured up to $250,000 by the National Credit Union Administration and backed by the full faith and credit of the United States Government & the National Credit Union Administration. a U.S. Government agency. Charges to your debit or credit card for account opening deposits are not refundable. The amount of the charge is deposited to your account and is available to you for withdrawal in accordance with our Funds Availability Policy.
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