What are the current interest rates at GECU Federal Credit Union?

Current rates for GECU Federal Credit Union include: Savings: 0.15%

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GECU Federal Credit Union

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GECU Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join GECU Federal Credit Union?

Yes, to access services at GECU 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GECU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

GECU Federal Credit Union's savings rates are at 0.15%. GECU Federal Credit Union's Personal Loan Rates are as low as 8.90%. GECU Federal Credit Union's Credit Card Rates are at 11.40%. MonitorBankRates evaluates the financial stability of GECU Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.46%. Rates last updated and verified on 09/21/2026.

GECU 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 GECU Federal Credit Union? Share your experience about GECU Federal Credit Union by leaving a review below, or read customer reviews before you decide to use GECU Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.46%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

GECU Federal Credit Union
OPS Campus

1225 Airway Blvd
El Paso, TX 79925

https://www.gecu.com

GECU Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club accounts	0.20%	0.20%
Min Deposit $10 Min Balance $10 Details May be opened November 1-March 31 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Personal & business savings accounts	0.15%	0.15%
Min Deposit $10 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Youth savings accounts	0.15%	0.15%
Min Deposit $10 Min Balance $10 Details 0-17 years old Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

GECU Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New and used motor home, travel trailer and fifth wheel Loan	-	7.25%	1-66 months
Details Published APR range: 7.25%-16.5%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motorcycle loans	-	7.25%	1-66 months
Details Published APR range: 7.25%-16.5%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motor home, travel trailer and fifth wheel Loan	-	7.75%	67-72 months
Details Published APR range: 7.75%-17%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motorcycle loans	-	7.75%	67-72 months
Details Published APR range: 7.75%-17%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motor home, travel trailer and fifth wheel Loan	-	8.25%	73-78 months
Details Published APR range: 8.25%-16%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motor home, travel trailer and fifth wheel Loan	-	8.25%	79-84 months
Details Published APR range: 8.25%-16%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motorcycle loans	-	8.25%	73-78 months
Details Published APR range: 8.25%-16%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motorcycle loans	-	8.25%	79-84 months
Details Published APR range: 8.25%-16%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used motor home, travel trailer and fifth wheel Loan	-	8.75%	85-120 months
Details Published APR range: 8.75%-16.5%. Rates are accurate as of Tuesday, April 4, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used camper pop-up trailer, boat, motor trailer and boat trailer Loan	-	9.25%	1-23 months
Details Published APR range: 9.25%-17.5%. Rates are accurate as of Tuesday, February 28, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used camper pop-up trailer, boat, motor trailer and boat trailer Loan	-	9.75%	24-47 months
Details Published APR range: 9.75%-17.9%. Rates are accurate as of Tuesday, February 28, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
New and used camper pop-up trailer, boat, motor trailer and boat trailer Loan	-	10.25%	48-60 months
Details Published APR range: 10.25%-17.90%. Rates are accurate as of Tuesday, February 28, 2017. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

GECU Federal Credit Union Credit Card Rates

Product	Rate	APR
GECU Empowerment Mastercard credit card	-	11.40%
Details Published APR range: 11.40%-17.90%. Regular APR: 11.40%-17.90%; Cash Advance APR: 2% above your APR for purchases, not to exceed 17.90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
GECU Rewards Mastercard credit card	-	14.24%
Details Published APR range: 14.24%-17.90%. Regular APR: 14.24%-17.90%; Cash Advance APR: 2% above your APR for purchases, not to exceed 17.90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

GECU Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal loan	8.90%	Up to 24 months
Details No collateral Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Personal loan	11.05%	25 to 60 months
Details No collateral Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

GECU Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home improvement loans (Less than or equal to	-	-	9.90%	Up to 36 months
Details $30,000; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home improvement loans (Less than or equal to	-	-	10.30%	37 to 60 months
Details $30,000; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home improvement loans (Less than or equal to	-	-	10.40%	61 to 72 months
Details $30,000; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home improvement loans (Less than or equal to	-	-	10.45%	73 to 84 months
Details $30,000; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home improvement loans (Less than or equal to	-	-	10.60%	85 to 96 months
Details $30,000; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home improvement loans (Less than or equal to	-	-	10.60%	97 to 108 months
Details $30,000; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%
Home improvement loans (Less than or equal to	-	-	10.90%	109 to 120 months
Details $30,000; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

GECU Federal Credit Union’s Texas Ratio rose from 2.49% in Q2 2023 to 5.46% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$4.7B	5.46%	5.0	A+
December 31, 2025	$4.6B	7.32%	5.0	A
September 30, 2025	$4.4B	6.28%	5.0	A
June 30, 2025	$4.4B	5.92%	5.0	A+
March 31, 2025	$4.4B	6.05%	5.0	A
December 31, 2024	$4.3B	6.45%	5.0	A
September 30, 2024	$4.3B	5.56%	5.0	A+
June 30, 2024	$4.4B	4.88%	5.0	A+
March 31, 2024	$4.4B	4.51%	5.0	A+
December 31, 2023	$4.4B	4.84%	5.0	A+
September 30, 2023	$4.4B	3.31%	5.0	A+
June 30, 2023	$4.3B	2.49%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for GECU 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 GECU 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 GECU Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name GECU Federal Credit Union

Website https://www.gecu.com

Address 1225 Airway Blvd, El Paso, TX 79925

Phone 915-778-9221

Fax

President Greg Watters

CEO Alex Rascon

Full-Time Employees 802

Part-Time Employees 33

Branch Locations 24

ATM Locations 29

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.46%

Return on Assets (ROA)

0.3372%

Return on Equity (ROE)

2.5797%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

4,658,363,991

Total Amount of Shares and Deposits

3,794,886,622

Total Shares and Deposits < 1 Year

3,538,745,956

Total Shares and Deposits 1 3 Years

199,322,332

Total Shares and Deposits > 3 Years

56,818,334

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

255,245,150

Total Uninsured Shares and Deposits > $250K (F+J)

319,531,117

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,475,355,505

Total Interest Expense (Sum of items 6 8)

17,563,314

Share Certificates

31,412

Number of Accounts for Share Drafts

265,860

IRA KEOGH Accounts

9,007

Number of Accounts for Regular Shares

412,431

All other shares

6,880

Non Member Deposits

Money Market Shares

1,913

Net Income (unless the amount is already included in Undivided Earnings)

15,709,360

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)

233,921,574

Total Liabilities

4,049,339,063

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

GECU Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About GECU Federal Credit Union

How many branches does GECU Federal Credit Union operate?

GECU 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 GECU Federal Credit Union?

Yes, to access services at GECU 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, GECU 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, GECU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does GECU Federal Credit Union offer online and mobile banking?

Most modern institutions like GECU 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: https://www.gecu.com.