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Pay Yourself First CD

Enhance Your Savings with Every Loan Payment.


Turn your regular loan payments into an extraordinary saving opportunity with GCU's Pay Yourself First: Loan Match CD. This innovative program is ideal for members with existing loans, those considering new loans, and anyone who previously might not have fully grasped its benefits. It’s a unique chance to save while you spend.

How It Works:

  • Rate Matching: Your Pay Yourself First certificate of deposit (CD) earns interest at an annual percentage yield (APY) equal to your loan's annual percentage rate (APR), potentially boosting your savings more than usual.
  • Automatic Savings: Each loan payment you make, whether monthly, biweekly, or weekly, boosts your CD balance. It’s effortless – your savings grow as you repay your loan.
  • Flexible Savings Cap: Choose to save up to 10% of each loan payment, regardless of your payment schedule. This flexibility allows you to tailor your savings to your personal budget and goals.

Happy couple with GCU


  1. Exceptional CD Rates: Enjoy CD rates that often outpace the market, enhancing your financial growth.
  2. One-Time Easy Setup: Get started with a simple setup process and let your savings journey unfold automatically.
  3. Maximized Savings Potential: With a rate calculated for optimal savings, watch your money grow faster.
  4. Versatility in Saving: Whether saving for a car, emergencies, education, or vacation, this program adapts to your life.


FAQs Section:

  • How do I enroll in the Pay Yourself First program?
    • Add this feature to your new or existing GCU loan. Our team is ready to help with a quick and easy setup.
  • Can I save a different amount each time?
    • Yes, you can choose to save up to 10% of each of your loan payments, providing flexibility to fit your financial situation.


Eager to make your loan payments more rewarding? Contact a GCU loan officer, visit one of our branches, or call us for more information. Let's turn your loan payments into a powerful saving tool!

At GCU, we believe in making every financial decision an opportunity for growth. The Pay Yourself First program is a testament to our commitment to your financial empowerment and success. Begin your savings journey with us today and see your money flourish!


View Current Rates

1Interest earned on CD. Early surrender penalties apply. 2Not available on mortgage loans, shared secured loans, credit cards, or lines of credit. Direct deposit required. See a loan officer for details.
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Guadalupe Credit Union
3601 Mimbres Lane
Santa Fe, New Mexico 87507
Routing Number: 307084347
Federally Insured by NCUA
Equal Housing Opportunity
NMLS # 709308
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