If you are looking to earn more with your money then GKCU Share Certificates are just for you. By allocating your money to a savings account for an extended amount of time, you earn higher interest than regular savings accounts. Minimum deposit to start a CD is $1000 and terms can range from 90 days to 60 months, based on your needs. Dividends on all certificates are compounded and paid monthly and deposits are federally insured up to $250,000 separately than other accounts. CD’s can also be used as collateral on loans. Restrictions on withdrawals can result in fees. For a list of current terms and annual percentage yields, click here.