Current rates and terms for Gesa's certificate of deposit products en-US financial-products https://www.gesa.com/contact monthly Looking to grow your savings with a guaranteed return? Gesa's fixed-rate certificate accounts offer competitive APYs and flexible terms from 3 to 84 months. Whether you’re saving for the short or long term, there’s a CD to match your goals — all starting with as little as $500. Want to grow your savings with a higher interest rate? Gesa’s Certificate Accounts (CDs) help you lock in a strong, predictable return—especially if you won’t need to touch the money for a while. Fixed Certificates let you set your rate once and enjoy steady growth. There are no surprises—your APY stays the same for the entire term. Perfect if you're a long-term saver who values stability. Terms range from 3 to 84 months $500 minimum deposit to open Early withdrawals come with a penalty Want some flexibility? A Bump Certificate gives you one chance to raise your rate during the term if Gesa’s rates go up. It’s a great option if you’re concerned about rising rates but still want CD-level security. One-time rate increase allowed Same term options and penalties as fixed CDs As of July 1, 2025: - 3-month CD pays up to 3.30% APY - 9-month CD offers a flat 3.75% APY across all tiers - Longer terms (36 to 84 months) range from 2.85% to 3.25% APY

Pull your money out early and you’ll lose interest—penalties range from 90 to 540 days’ worth, depending on the term. That said, exceptions apply in cases like death or legal incompetence.

Manage your CD anytime with Gesa’s online and mobile banking Your funds are federally insured up to $250,000 3 months 3.00% 3.15% 3.30% $500

This 3-month certificate offers a fixed APY of 3.00% for balances of $500 or more. A great choice for short-term savers looking to earn more than a standard savings account.

6 months 1.20% 1.35% 1.50% $500

This 6-month certificate offers a modest APY of 1.20% with a short commitment. Great if you want a safe place to park your money for half a year.

9 months 3.75% 3.75% 3.75% $500

With a flat 3.75% APY across all deposit tiers, this 9-month CD is a standout option for those looking to maximize short-term returns without long-term lock-in.

12 months 1.45% 1.60% 1.75% $500

This 12-month certificate offers a reliable 1.45% APY at the base level. It's ideal for savers who want fixed growth with access in one year.

18 months 2.20% 2.35% 2.50% $500

This 18-month CD bridges short- and mid-term savings needs, with a starting APY of 2.20% for a bit more yield and flexibility.

24 months 2.70% 2.85% 3.00% $500

This 2-year certificate provides consistent returns with a starting APY of 2.70%, appealing to medium-term savers seeking stability and a higher yield.

30 months 2.70% 2.85% 3.00% $500

This 30-month CD offers a strong balance between time and return, beginning at 2.70% APY. It’s a good fit for those planning 2–3 years out.

36 months 2.85% 3.05% 3.25% $500

This 3-year certificate starts at 2.85% APY and is ideal for savers looking to lock in a long-term, steady return.

48 months 2.85% 3.05% 3.25% $500

This 4-year CD provides dependable growth with a 2.85% APY at the base tier. Ideal if you’re building for medium- to long-term goals.

60 months 2.85% 3.05% 3.25% $500

This 5-year certificate gives you a long runway for earning a guaranteed 2.85% APY or more. It’s a solid choice for committed savers.

84 months 2.85% 3.05% 3.25% $500

With a term of 7 years and up to 3.25% APY, this certificate is built for long-term planners who want to maximize returns without market risk.

APY = Annual Percentage Yield. Rates are accurate as of 07/01/25 and are subject to change. Early withdrawal penalties apply and may reduce earnings. Minimum deposit is $500. Penalty is based on term length and may be waived under certain legal conditions.