​Rates effective October 1, 2022

Every new GPO membership begins with a regular savings account, which is GPO's Share Savings Account. GPO offers a variety of savings accounts with competitive rates providing you with a safe and secure place to put your money.

SHARE SAVINGS

Account Type	APR*	APY*
Share Savings	0.25%	0.25%
Loan Payment ​Share Savings	0.25%	0.25%
Kids' Cash Savings	0.25%	0.25%
Club Accounts**	0.25%	0.25%
(HSA) Health Savings Account***	0.25%	0.25%

*Annual percentage rate and annual percentage yield. Dividends are credited monthly based on day of deposit, day of withdrawal. Minimum balance of $50.01 is required to earn interest on all account types except Kids' Cash Savings. Dividend earnings may be affected by fees. Rates subject to change after account opening.

**Club Accounts include Special Purpose, Christmas, Vacation Accounts

***Health Savings Accounts are subject to the completion of an application and the account’s features, terms and conditions, which are subject to change at any time in accordance with applicable laws and agreements. Please see any branch for full details.

MONEY MARKET SHARE & IRAs
Account Type: Traditional, Roth and Educational

BALANCE	APR*	APY*
$2,000 to $19,999.99	0.995%	1.00%
$20,000 to $49,999.99	1.094%	1.10%
$50,000 and up	1.292%	1.30%

*Annual percentage rate and annual percentage yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Dividend earnings may be affected by fees. Rates subject to change after account opening.

TERM SHARE CERTIFICATES

Account Type	APR*	APY*
6 Month	2.227%	2.25%
12 Month	2.716%	2.75%
24 Month	2.862%	2.90%
36 Month	2.96%	3.00%
48 Month	3.008%	3.05%
60 Month	3.057%	3.10%
Kids ​(12 Month)	2.716%	2.75%

*Annual percentage rate and annual percentage yield. There are dividend penalties for early withdrawal. Refer to certificate for details. Minimum balance of $1,000.00 is required for all account types except Kids Only Savings which require a minimum balance of $250.00. Dividend earnings may be affected by fees.

IRA TERM SHARE CERTIFICATES
​Account Type: Traditional, Roth and Educational

Account Type	APR*	APY*
12 Month	2.716%	2.75%
24 Month	2.862%	2.90%
36 Month	2.96%	3.00%
48 Month	3.008%	3.05%
60 Month	3.057%	3.10%

*Annual percentage rate and annual percentage yield. Dividends are compounded and posted monthly. There are penalties for early withdrawal. Minimum balance of $1,000 or $500 on education IRAs. Dividend earnings may be affected by fees.

Not sure which savings account is right for you? Click below for more information!

gpo savings accounts

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Savings Rates (PDF)

*View a printable version of our savings rates. A portable document format (PDF) will open in a new window. A PDF reader is required for viewing.