# GTE Financial CD and share certificate rates

As of October 22, 2026, GTE Financial's highest tracked CD (share certificate) rate is 3.82% APY on a 12-month CD ($100,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.30% to 3.82% APY.

Canonical page: https://apyledger.com/cd-rates/gte-financial
Institution: Gte Federal Credit Union (NCUA 196)
Aliases: GTE Federal Credit Union
Status: live
Last verified: 2026-10-22T16:22:36.000Z (October 22, 2026)
Official source: https://www.gtefinancial.org/products/share-certificates
Coverage: Membership required. Published share certificate rates from 6 to 60 months. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Share Certificate | standard | 6 months | $100,000 | 3.66% | Not ZIP-priced | −0.74% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Share Certificate | standard | 6 months | $500 | 3.40% | Not ZIP-priced | −1.00% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Jumbo Share Certificate | standard | 12 months | $100,000 | 3.82% | Not ZIP-priced | −0.75% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Share Certificate | standard | 12 months | $500 | 3.56% | Not ZIP-priced | −1.01% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Jumbo Share Certificate | standard | 18 months | $100,000 | 3.56% | Not ZIP-priced | −1.16% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Share Certificate | standard | 18 months | $500 | 3.30% | Not ZIP-priced | −1.42% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Jumbo Share Certificate | standard | 24 months | $100,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Share Certificate | standard | 24 months | $500 | 3.35% | Not ZIP-priced | −1.52% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Jumbo Share Certificate | standard | 30 months | $100,000 | 3.66% | Not ZIP-priced | −1.25% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| 30-Month Bump Up Share Certificate | standard | 30 months | $500 | 3.40% | Not ZIP-priced | −1.51% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| 30-Month Bump Up Share Certificate | standard | 30 months | $500 | 3.40% | Not ZIP-priced | −1.51% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Jumbo Share Certificate | standard | 36 months | $100,000 | 3.71% | Not ZIP-priced | −1.24% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Share Certificate | standard | 36 months | $500 | 3.45% | Not ZIP-priced | −1.50% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Jumbo Share Certificate | standard | 48 months | $100,000 | 3.76% | Not ZIP-priced | −1.22% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Share Certificate | standard | 48 months | $500 | 3.51% | Not ZIP-priced | −1.47% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Jumbo Share Certificate | standard | 60 months | $100,000 | 3.82% | Not ZIP-priced | −1.19% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |
| Share Certificate | standard | 60 months | $500 | 3.56% | Not ZIP-priced | −1.45% | 2026-10-22T16:22:36.000Z | [Snapshot 357](https://apyledger.com/snapshots/357) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.