GTE Finanical has an interesting offer for CDs. They are offering an APY of up to 3.04% if you open a 60 month CD. That’s a long time to have your money locked in, but you can open the account with as little as $500 and then fund it later and still get get the same rate.
| Balance | Dividend Rate | APY* |
|---|---|---|
|
6 month
|
1.25%
|
1.26%
|
|
12 month
|
2.00%
|
2.02%
|
|
18 month
|
2.25%
|
2.27%
|
|
24 month
|
2.50%
|
2.53%
|
|
30 month
|
2.65%
|
2.68%
|
|
36 month
|
2.80%
|
2.84%
|
|
48 month
|
2.90%
|
2.94%
|
|
60 month
|
3.00%
|
3.04%
|
This  Add-on feature has been added to all Promotional Share Certificates. That means, you can add money at any time during your term, in as little as $20 increments. There’s no cap to how much you can deposit during this special. With rates possible heading lower, this could be a good option to have in your future, if you have large amounts that you might need to deposit. You just lock in the rate now with $500.
If you want to start out with $100K then you can get an even better rate. A Jumbo Share Certificate product is available for every term and earns a .25% higher dividend rate.
| Balance | Dividend Rate | APY* |
|---|---|---|
|
6 month
|
1.50%
|
1.51%
|
|
12 month
|
2.25%
|
2.27%
|
|
18 month
|
2.50%
|
2.53%
|
|
24 month
|
2.75%
|
2.78%
|
|
30 month
|
2.90%
|
2.94%
|
|
36 month
|
3.05%
|
3.09%
|
|
48 month
|
3.15%
|
3.20%
|
|
60 month
|
3.25%
|
3.30%
|
