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CD Rates

Share Certificates
Effective Date: February 3, 2021
Early Surrender Penalties Apply
TermsMinimumDividend RateAPY (Annual Percentage Yield)
3 Month $500.00 0.15% 0.150%
3 Month Royalty (Age 65+) $500.00 0.20% 0.200%
6 Month $500.00 0.20% 0.200%
6 Month Royalty (Age 65+) $500.00 0.25% 0.250%
7 Month $1,000.00 0.30% 0.300%
12 Month $500.00 0.45% 0.450%
12 Month Royalty (Age 65+) $500.00 0.50% 0.501%
13 Month $1,000.00 0.60% 0.601%
24 Month $500.00 0.65% 0.651%
24 Month Royalty (Age 65+) $500.00 0.70% 0.702%
27 Month $1,000.00 0.75% 0.752%
36 Month $500.00 0.80% 0.802%
36 Month Royalty (Age 65+) $500.00 0.85% 0.853%
48 Month $500.00 0.95% 0.954%
48 Month Royalty (Age 65+) $500.00 1.00% 1.004%

Youth Starter Certificate
Effective Date: February 3, 2021
New Money Can Be Added
TermMinimumDividend RateAPY (Annual Percentage Yield)
12 Month (Age 18 and under) $250.00 0.50% 0.501%

Direct Deposit Certificate
Effective Date: February 3, 2021
Funding & Additions Through Direct Deposit Or Scheduled ACH Deposits
TermMinimumDividend RateAPY (Annual Percentage Yield)
18 Month $500.00 0.60% 0.601%

Pay Yourself First CD
Effective Date: February 3, 2021
Term Length Matches Length Of Loan. Direct Deposit Required.
TermMinimumDividend RateAPY (Annual Percentage Yield)
(Ex. 36 month auto loan = 36 month cert.) No more than 10% of loan payment*   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: February 3, 2021
Traditional & Roth Options Available For Renewal Only For Either Club Or Certificate Accounts
TermDividend RateAPY (Annual Percentage Yield)
IRA Club 0.10% 0.100%
12 Month IRA CD 0.50% 0.501%
18 Month IRA CD 0.65% 0.651%
24 Month IRA CD 0.70% 0.702%

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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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