Enjoy higher dividends than a Regular Share Account with a GRSCU Share Certificate. Choose a fixed term from 6 to 60 months, with a minimum deposit of $1,000 to qualify for the advertised annual percentage yield.
| Term | Interest Rate | Annual Percentage Yield (APY) |
| 6 Months | 1.75% | 1.76% |
| 12 Months | 1.80% | 1.82% |
| 18 Month | 2.25% | 2.27% |
| 24 Months | 2.75% | 2.79% |
| 36 Months | 2.80% | 2.83% |
| 48 Months | 3.00% | 3.04% |
| 60 Months | 3.00% | 3.04% |
The Annual Percentage Yield on Certificates is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We will impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for Certificates with a maturity of one year or less is 90 days worth of dividends. The amount of the early withdrawal penalty for Certificates with a maturity greater than one-year is equal to 180 days’ worth of dividends.
Individual Retirement Accounts (IRAs)
Planning for retirement? GRSCU offers both Traditional and Roth IRAs to help you grow your savings with tax advantages.
- Traditional IRA: Contributions may be tax-deductible, and earnings grow tax-deferred until retirement.
- Roth IRA: Contributions are made with after-tax dollars, but qualified withdrawals are tax-free.
Traditional and Roth IRA CD Rates
Minimum Balance to earn advertised percentage yield
| Product Description | Interest Rate | Annual Percentage Yield |
| 12 Month | 1.90% | 1.91% |
| 18 Month | 2.35% | 2.38% |
| 24 Month | 2.85% | 2.89% |
| 36 Month | 2.90% | 2.94% |
| 48 Month | 3.10% | 3.14% |
| 60 Month | 3.10% | 3.14% |
The Annual Percentage Yield on Certificates is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We will impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for Certificates with a maturity of one year or less is 90 days worth of dividends. The amount of the early withdrawal penalty for Certificates with a maturity greater than one-year is equal to 180 days’ worth of dividends.
