Certificate Accounts
Grow your savings
Help secure your future with a safe and reliable investment
Earn more from your savings
Certificate accounts often pay higher dividends than regular savings accounts
That's because you agree to leave your savings in the account for a fixed term—you choose your term from the options available. A certificate may be right for you if you want to:
- Grow your savings at a faster pace
- Save for a near-future purchase such as a home or vehicle
- Build short-term wealth before investing
Think a certificate may be a good fit for your financial needs? Open a certificate account today.
*Annual Percentage Yield (APY) APY rate applies to a $500 minimum deposit and is subject to change without notice. Once the certificate is issued the APY will remain fixed until maturity. Subject to early withdrawal penalties. Fees could reduce the earnings on the account.
An easy win for your money goals
Certificate accounts are...
Make it your own
Choose from 70 certificate options featuring terms between 1 month–5 years. No other savings account offers this kind of flexibility.
View your options
Rest at ease
Certificate accounts are insured by the National Credit Union Administration (NCUA) up to $250,000.
There are no qualification or eligibility criteria for members. Minimum deposit required is $500. Maturity periods vary from 30 days to 60 months. Certificates are subject to early withdrawal penalties.
Save your way
Certificate accounts can do more for you with the right savings strategy—consider these ways to make the most of your certificate:
- Build a certificate ladder—simply split your savings between certificates with different maturity dates. This allows you to keep cash flowing while taking advantage of great savings rates.
- Reinvest dividends in the certificate and compound monthly to increase your earnings.
- Withdraw dividends paid at calendar month end and maturity to supplement your income (for certificates maturing in one year or more).
How to open a certificate
You can open a certificate account at any Global branch or online once you become a member.
1
Join the credit union
Becoming a member is quick and easy! Gather a few required documents, and open an account online2
Sign in
Once you're a member, you can add certificate accounts after you sign in to your account online3
Add a Certificate
Go to the Account Profile tab, then select 'Open Certificate' below the tabs and follow the instructions
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1Rates are subject to change at any time for any reason. Visit our rates page for full details.
The disclosed Annual Percentage Yield (APY) is the prospective yield that Global anticipates paying for the applicable dividend period. Once the certificate is issued the APY will remain fixed until maturity. The dividend distribution method you select may affect certificate earnings. There is a penalty for early withdrawal from a certificate or tax-deferred IRA certificate. In the event an early withdrawal lowers the certificate balance below the required minimum, the certificate must be canceled or closed, and the forfeiture amount will be calculated using the full balance of the certificate. Fees could reduce the earnings on the account.
Minimum deposit required is $500. Maturity periods vary from 30 days to 60 months. Certificates are subject to early withdrawal penalties.
There are no qualification or eligibility criteria for members. For complete account information, refer to the Share Account Disclosure Statement. You will also receive a disclosure statement at the time an account is opened.