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GPO Federal Credit Union
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Savings rates

​Rates effective January 1, 2021
Your credit union offers a variety of savings accounts to provide you with a safe and secure place to put your money. Every new GPO ownership begins with a Share Savings Account, which is our regular savings account. It's called a "share" account, because at GPO, you're an owner of the credit union. If you are interested in opening a savings account, contact any branch for full details.
*Interest earnings may be affected by fees.
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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. Please make sure your Adobe Acrobat Reader is up to date with the latest version.

SHARE SAVINGS
ACCOUNT TYPE
MINIMUM BALANCE
APR*
APY*
Share Savings
$50.01
0.25%
0.25%
Loan Payment Share Savings
$50.01
0.25%
0.25%
Kids' Cash Savings
None
0.25%
0.25%
Club Accounts (Special Purpose, Christmas, Vacation)
$50.01
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 is required to earn interest.
MEMBER CHOICE TERM SHARE CERTIFICATES
ACCOUNT TYPE
MINIMUM BALANCE
APR*
APY*
Money Market — 6 month
$1,000
0.499%
0.50%
Term Share — 12 month
$1,000
0.797%
0.80%
Term Share — 24 month
$1,000
0.847%
0.85%
Term Share — 36 month
$1,000
0.896%
0.90%
Term Share — 48 month
$1,000
0.946%
0.95%
Term Share — 60 month
$1,000
1.094%
1.10%
Kids Only Savings — 12 month
$250
0.797%
0.80%
*Annual percentage rate and annual percentage yield. There are dividend penalties for early withdrawal. Refer to certificate for details.
MONEY MARKET SAVINGS AND IRAs
ACCOUNT TYPE: Traditional, Roth and Educational
BALANCE
APR*
APY*
$2,000 to $19,999.99
0.349%
0.35%
$20,000 to $49,999.99
0.399%
0.40%
$50,000 and up
0.449%
0.45%
*Annual percentage rate and annual percentage yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.
MEMBER CHOICE TERM SHARE IRAs
ACCOUNT TYPE
MINIMUM BALANCE
APR*
APY*
12-month certificate
$1,000 / $500
0.797%
0.80%
24-month certificate
$1,000 / $500
0.847%
0.85%
36-month certificate
$1,000 / $500
0.896%
0.90%
48-month certificate
$1,000 / $500
0.946%
0.95%
60-month certificate
$1,000 / $500
1.094%
1.10%
*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.

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Contact Us

4311 Middle Settlement Road
New Hartford, NY 13413
​
Phone: (315) 724-1654
​
Email: gpofcu@gpofcu.com
Routing number: 221380761​

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Equal housing lender and NCUA logos.
Member eligibility is required. Federally insured by the NCUA. Equal Housing Lender. Your savings is federally insured to at least $250,000 and backed by the full faith and​ credit of the United States Government.​ National Credit Union Administration, a U.S. Government Agency.
© COPYRIGHT 2021
  • Accounts
    • Checking Accounts >
      • Classic Checking
      • Value Checking
      • Check Reorder
    • Savings Accounts >
      • Accounts types and rates
      • Kids' Cash Savings
      • Health Savings Account
    • Accessing Your Account
    • Online Account Access
    • Mobile Banking App
    • Easy Pay
  • Loans
    • Auto Loans
    • Personal Loans
    • Visa Credit Card
    • Home Equity
    • Student Loans
    • Member Business Loans
    • Mortgage
  • Rates
    • Loan Rates
    • Savings Rates
  • Services
    • ATM Locations >
      • Utica area
      • Mohawk Valley
      • Oneida area
      • Syracuse area
    • Your Rewards
    • Reg-E Overdraft Consent
    • Get Paid a Day Early
    • DocuSign Services
    • Auto Center
    • Insurance options >
      • Credit Life and Disability
      • Guaranteed Asset Protection
      • Mechanical Repair Coverage
      • TruStage Insurance
    • Autos & Properties for Sale
    • Skip-A-Pay
    • Prime Times Club
  • Education
    • COVID-19 >
      • Loan relief options
      • Digital banking options
      • COVID resources
      • COVID: Kids Education
      • Stimulus: Ways to spend
    • Financial Counseling
    • Identity Theft >
      • Identity theft video series
      • Child identity theft
      • Senior identity theft
      • Debit and Credit Safety
      • Phishing
      • Mobile Banking Security
      • Identity Theft FAQs
    • Financial Education Videos
    • Zogo financial literacy app
    • Kids' Cash Corner
    • It's a Money Thing
    • Online Defensive Driving Course
    • Calculators
  • About
    • Who is GPO? >
      • The Difference
      • Annual Reports
      • GPO Management Team
    • Community >
      • Community Calendar
      • Sponsorships
      • Scholarships
      • Workshops
    • Subscribe to Emails
    • Branch Locations
    • Careers
    • Holiday Closings
    • GPO Frequently Asked Questions
    • Contact Us
  • Join
  • Apply for a loan
  • Make an appointment