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iAdvertiser Disclosure
Advertiser Disclosure
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 Generations United Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 2, 2026
Generations United Federal Credit Union's GU CDs 7-month rates are at 4.08%, GU CDs 18-month rates are at 3.30%, GU CDs 12-month rates are at 3.20%, GU CDs 9-month rates are at 3.04%, GU CDs 6-month rates are at 2.94%. MonitorBankRates evaluates the financial stability of Generations United Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.06%. Rates were last updated on 04/02/2026. Generations United Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Generations United Federal Credit Union? Share your experience about Generations United Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Generations United Federal Credit Union. Generations United Federal Credit Union
Headquarters 420 Lexington Ave Rm 850
http://www.gufcu.org New York, NY 10170 0033 
Generations United Federal Credit Union CD Rates
Generations United Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Generations United Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Generations United Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Generations United Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Generations United Federal Credit Union
Website
http://www.gufcu.org
Address
420 Lexington Ave Rm 850,
New York, NY 10170 0033
Phone
646-856-2106
Fax
President
Lawrence Yunaska
CEO
John Linzey
Full-Time Employees
0
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.06%
Return on Assets (ROA)
-15.1381%
Return on Equity (ROE)
-26.7678%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
6,532,785
Total Amount of Shares and Deposits
1,530,846
Total Shares and Deposits < 1 Year
1,372,442
Total Shares and Deposits 1 3 Years
158,404
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,530,846
Total Interest Expense (Sum of items 6 8)
20,638
Share Certificates
15
Number of Accounts for Share Drafts
117
Number of Accounts for Regular Shares
226
All other shares
12
Non Member Deposits
2
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
511,333
Total Liabilities
2,838,266
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Generations United Federal Credit UnionIs Generations United Federal Credit Union a safe place to deposit money?Yes, Generations United Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.059575800923183%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Generations United Federal Credit Union operate?Generations United Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Generations United Federal Credit Union?Yes, to access services at Generations United Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Generations United Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Generations United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Generations United Federal Credit Union offer online and mobile banking?Most modern institutions like Generations United Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.gufcu.org. Current Generations United Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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