Membership is open to people who live, work, worship, or attend school in Mesa, Delta, or Garfield Counties. Certain immediate family members of existing members may also be eligible. If you’re not sure, just ask us – most local residents qualify.

Yes. CDs are available to members of Grand Junction Federal Credit Union. If you’re not a member yet, we’ll help you open your membership and your CD at the same time, so it feels like one simple process instead of two.

There is no monthly membership fee to belong to Grand Junction Federal Credit Union. Most memberships are opened with a small initial deposit into your account that represents your ownership share in the credit union. As long as you maintain the required minimum balance in that account and keep your membership in good standing, you remain a member!

Banks are typically for‑profit companies that answer to shareholders. Credit unions like Grand Junction Federal Credit Union are not‑for‑profit financial cooperatives owned by their members. Instead of paying dividends to outside investors, we aim to return value to our members through better rates on savings, lower rates on loans, and lower or fewer fees, while still following the same federal regulations that keep your money safe.

No. For most people, membership is quick and straightforward, and can often be started online or over the phone. We’ll walk you through the steps and only ask for the information we truly need.

A CD (Certificate of Deposit) is a savings account that pays a fixed rate for a set period of time. You deposit money once, leave it in place for the full term, and earn a guaranteed rate until maturity.

Grand Junction Federal Credit Union is currently offering:

6‑month CD: 3.95% APY*

13‑month CD: 3.75% APY*

Rates are fixed for the full term once your CD is opened. Limited time offer.

Our CD specials typically require a minimum opening deposit of $1,000. See our current rate sheet or speak with a team member for exact minimums by term.

CDs are designed to be held to maturity. If you withdraw funds before the term ends, an early withdrawal penalty will apply and may reduce earnings. In some cases, you may lose a portion of the dividends/interest earned.

No. You only need to join Grand Junction Federal Credit Union and open the CD. You can keep other accounts where they are if you prefer.

Yes. Deposits at Grand Junction Federal Credit Union are federally insured by the NCUA up to at least $250,000 per depositor, per ownership category.

Before maturity, we’ll notify you with your options. Unless you instruct us otherwise, your CD may automatically renew for the same or a similar term at the rate in effect on the renewal date, after a short grace period where you can make changes without penalty.

In most cases, additional deposits cannot be added to an existing CD during the term. To invest more, you can open an additional CD at the rate in effect at that time.