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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Gas and Electric Credit Union Rates & Review October 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 and Verified: October 9, 2026
Gas and Electric Credit Union's top rates as of October 9, 2026 are 4.10% APY on its 6 Month CD, 2.25% APY on money market accounts, 4.50% APY on checking, personal loans from 10.90% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Gas and Electric Credit Union CD rates include 12 Month CD at 3.90%, 24 Month CD at 2.60%, and 18 Month CD at 2.50%. MonitorBankRates evaluates the financial stability of Gas and Electric Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.31%. Rates last updated and verified on 10/09/2026. Gas and Electric 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 Gas and Electric Credit Union? Share your experience about Gas and Electric Credit Union by leaving a review below, or read customer reviews before you decide to use Gas and Electric Credit Union. Gas and Electric Credit Union
MAIN OFFICE 2300 4TH AVE
https://www.gaselectriccu.com ROCK ISLAND, IL 61201  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Gas and Electric Credit Union CD Rates
Gas and Electric Credit Union Savings Rates
Gas and Electric Credit Union Money Market Rates
Gas and Electric Credit Union Checking Rates
Gas and Electric Credit Union Auto Loan Rates
Gas and Electric Credit Union Credit Card Rates
Gas and Electric Credit Union Personal Loan Rates
Gas and Electric Credit Union Other Rates
Financial Health HistoryGas and Electric Credit Union’s Texas Ratio fell from 4.03% in Q3 2023 to 2.31% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Gas and Electric 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 Gas and Electric 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 Gas and Electric Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Gas and Electric Credit Union
Website
https://www.gaselectriccu.com
Address
2300 4TH AVE,
ROCK ISLAND, IL 61201
Phone
309-793-3610
Fax
309-788-6548
President
DARRON NILES
CEO
DARYL EMPEN
Full-Time Employees
16
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.31%
Return on Assets (ROA)
0.4992%
Return on Equity (ROE)
4.8357%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
132,133,711
Total Amount of Shares and Deposits
117,693,330
Total Shares and Deposits < 1 Year
115,615,196
Total Shares and Deposits 1 3 Years
1,186,070
Total Shares and Deposits > 3 Years
892,064
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,166,435
Total Uninsured Shares and Deposits > $250K (F+J)
7,166,435
Total Insured Shares and Deposits > $250K (item 17 less item K)
110,526,895
Total Interest Expense (Sum of items 6 8)
1,120,245
Share Certificates
1,287
Number of Accounts for Share Drafts
3,897
IRA KEOGH Accounts
169
Number of Accounts for Regular Shares
7,285
All other shares
308
Money Market Shares
249
Net Income (unless the amount is already included in Undivided Earnings)
659,578
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,773,066
Total Liabilities
119,885,854
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Gas and Electric Credit UnionHow many branches does Gas and Electric Credit Union operate?Gas and Electric 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 Gas and Electric Credit Union?Yes, to access services at Gas and Electric 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, Gas and Electric 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, Gas and Electric Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Gas and Electric Credit Union offer online and mobile banking?Most modern institutions like Gas and Electric 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: https://www.gaselectriccu.com. Current Gas and Electric Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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