Certificates of Deposit (CDs)
Grow Greater with Guaranteed Returns
When you want predictable growth and peace of mind.
Find the Certificate That Fits You Best.
At Greater Kentucky Credit Union, we believe saving isn’t just about numbers — it’s about peace of mind, progress, and people. For over 70 years, we’ve helped Kentuckians turn small, steady habits into lasting financial confidence.
90-Day Super Saver Certificate
- Earn a higher dividend while keeping your money accessible every 90 days. Ideal for short-term goals or flexible reinvestment.
6-Month to 5-Year Certificates
- Choose the commitment that fits your timeline and watch your savings grow with confidence.
For more than 70 years, Greater Kentucky Credit Union has helped members build financial confidence with secure, reliable products. We make it simple to lock in a great rate, choose the term that fits your timeline, and rest easy knowing your funds are insured and growing.
- Fixed, guaranteed dividend rates for the full term
- Federally insured up to $250,000
- Flexible terms from 90 days to 5 years
- Easy account setup and renewal support
- Friendly, local guidance anytime you need help
Your Partner in Predictable Growth
Big Bank Tools,
Local Support
With Greater Kentucky Credit Union’s Mobile Banking, you get all the tools of a big bank, secure transfers, mobile deposits, bill pay, and account alerts, without losing the personal touch.
Our local team is always ready to support you, so whether you’re troubleshooting a transfer or setting up a new feature, you’re never just a number. Banking on the go has never been easier—or more human.
Security
Industry standard security for your mobile banking experience.
Local Support
Our IT team is here to make your mobile banking experience simple.
Refinance & Greater Savings
"Greater Kentucky Credit Union was a lifesaver for me! I was paying an extremely high interest rate on my auto loan. Greater Kentucky Credit Union was able to cut my rate in half, reduce the term of my loan, and save me money on my monthly payments. They also helped me open a fantastic account with an amazing interest rate."
Evan B.
Lexington, KY
High Yield Checking
"My husband and I moved to Lexington from out of state, and we were looking for the right financial institution for us—one that wasn’t too big and offered top notch customer service and a personalized experience. We have been thrilled with the cashback from our high yield checking account and the services we have received thus far. The Lexington branch is convenient to both our places of work, and mobile banking works well for us."
Brittany D.
Lexington, KY
Better Checking, Greater Service
"Heard they were offering 4% annually on a checking account, so I opened an account for my wife and I. Process could not have gone any smoother! Shoutout to Susan for making the process extremely simple and straightforward. The staff I've spoken to have all been pleasant and seem knowledgeable about current offers and rates."
Jacob S.
Lexington, KY
How to Get Started
(859) 231-9300
Talk or text with a Team Member
memberservice@gtkycu.com
Email a Team Member
-
How do I join Greater Kentucky Credit Union?
You can become a member online in just a few minutes or visit one of our Lexington or Versailles branches. Membership is open to anyone who lives, works, worships, or studies in Central Kentucky. Learn more.
-
How do I choose the right account for me?
Our team is here to help you find the perfect fit. Whether you’re looking for everyday checking, a high-yield savings account, or both, we’ll walk you through your options and make the process simple.
-
What happens after I open my account?
Once your account is active, you’ll enjoy better rates, fewer fees, and ongoing support from real local people who care about your success.
-
Can I manage my account online or on my phone?
Yes! GTKY offers full-service online and mobile banking with secure access to your balances, transfers, mobile deposits, bill pay, and more — available 24/7 from anywhere.
-
Are there fees to open or maintain my account?
Most GTKY checking and savings accounts come with no monthly fees or minimum balance requirements. We believe in transparency — no surprises, just better banking.
