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CD Rates

Share Certificates
Effective Date: January 7, 2019
Early Surrender Penalties Apply
TermsMinimumAPR (Annual Percentage Rate)APY (Annual Percentage Yield)
3 Month $500.00 0.45% 0.451%
3 Month (Age 65+) $500.00 0.55% 0.551%
6 Month $500.00 0.65% 0.652%
6 Month (Age 65+) $500.00 0.75% 0.753%
7 Month $1,000.00 0.85% 0.853%
12 Month $500.00 0.90% 0.904%
12 Month (Age 65+) $500.00 1.15% 1.156%
13 Month $1,000.00 1.15% 1.156%
24 Month $500.00 2.00% 2.020%
24 Month (Age 65+) $500.00 2.25% 2.273%
27 Month $1,000.00 1.65% 1.663%
36 Month $500.00 2.15% 2.171%
36 Month (Age 65+) $500.00 2.40% 2.427%
48 Month $1,000.00 2.35% 2.375%
48 Month (Age 65+) $1,000.00 2.60% 2.631%

Youth Starter Certificate
Effective Date: September 1, 2018
New Money Can Be Added
TermMinimumAPR (Annual Percentage Rate)APY (Annual Percentage Yield)
12 Month (Age 18 or under) $250.00 1.00% 1.005%

Direct Deposit Certificate
Effective Date: September 1, 2018
Funding & Additions Through Direct Deposit Or Scheduled ACH Deposits
TermMinimumAPR (Annual Percentage Rate)APY (Annual Percentage Yield)
18 Month $500.00 1.15% 1.156%

Pay Yourself First CD
Effective Date: September 1, 2018
Term Length Matches Length Of Loan. Direct Deposit Required.
TermMinimumAPR (Annual Percentage Rate)APY (Annual Percentage Yield)
(Ex. 36 Month Loan = 36 Month Certificate) No More Than 10% Of Loan Payment* Varied** Varied**

*Direct Deposit required for loan payments and certificate funding. Certificate additions limited to an amount no more than 10% of loan payment.
**APR/APY varied based on type of loan and borrower's qualifications.

Individual Retirement Accounts (IRA)
Effective Date: September 1, 2018
Traditional & Roth Options Available For Renewal Only For Either Club Or Certificate Accounts
TermAPR (Annual Percentage Rate)APY (Annual Percentage Yield)
IRA Club 0.10% 0.100%
12 Month IRA CD 0.90% 0.904%
18 Month IRA CD 1.15% 1.156%
24 Month IRA CD 2.00% 2.020%

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Guadalupe Credit Union
3601 Mimbres Lane
Santa Fe, New Mexico 87507
505-982-8942 | 1-800-540-5382

Routing Number: 307084347

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