• GCU will be conducting a system maintenance on Tuesday, May 21st, between 3:00am and 4:00am MDT. For account information during this time, please call us at 505-982-8942 or 800-540-5382. We apologize for any inconvenience this might cause.
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Certificates of Deposit (CDs)

Secure Your Savings with a Fixed Rate of Return.


Looking for a reliable way to save for future expenses like a home down payment or a special event? GCU's Certificates of Deposit offer a safe investment choice designed to meet your specific savings goals. By locking in your funds for a predetermined term, you benefit from higher interest rates compared to regular savings accounts, helping you grow your savings steadily and predictably.


Why Choose a GCU Certificate of Deposit?

  • Higher Interest Rates: Enjoy better returns than standard savings accounts, perfect for your long-term financial objectives.
  • Flexible Terms: Choose from a range of terms to best suit your saving timeline (refer to our current rates for more details).
  • Low Minimum Balance: Start with as little as $500 and build your savings from there.
  • Senior Advantages: Members aged 65 and older qualify for even higher interest rates.
  • Penalties for Early Withdrawal: Withdrawals before the maturity date are subject to penalties which help you stick to your savings plan.

Happy couple with their GCU certificate of deposit

Features at a Glance:

  • Competitive, fixed interest rates
  • A variety of terms to match your financial goals
  • $500 minimum to open
  • Bonus rates for seniors 65+


View Current Rates and More Stay informed about our latest rates and full details by visiting our Current CD Rates.

Ready to Optimize Your Savings? Open Your Account Today!


* Subject to membership eligibility. Early withdrawal penalties and terms and conditions apply.

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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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