Share Certificates. Make your money work smarter. lock in a High-Yield CD! 6 month certificate 4.86% apy* 1 year certificate 5.11%apy* APY* - Annual Percentage Yield. $500 minimum deposit to open an account. APY is accurate as of August 1, 2025. A penalty will be imposed for early withdrawal. Fees may reduce earnings. This account will automatically renew at maturity into a 6-month, or 1 -year share certificate at the current rate. No maximum deposit amount. Rates, conditions, and terms are subject to change at any time without notice. GCFCU reserves the right to cancel the promotion at any time. Federally insured by NCUA.