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GECU Federal Credit Union

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GECU Federal Credit Union Rates & Review November 2026

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

Current rates for GECU Federal Credit Union include: 12-Month CD: 4.35%, 18-Month CD: 3.66%, 24-Month CD: 4.18%, 60-Month CD: 3.97%, Savings: 0.25%

Q: What CD terms does GECU Federal Credit Union offer?

GECU Federal Credit Union CD rates are 4.59% APY for a 12 month CD, 3.66% APY for an 18 month CD, 4.44% APY for a 2 year CD and 3.97% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with GECU Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

GECU Federal Credit Union's Fixed-Rate CD - 12 month rates are at 4.59%, 12 Month CD Account rates are at 4.44%, 12 Month Credit Builder CD rates are at 4.44%, Fixed-Rate CD - 24 month rates are at 4.44%, 24 Month CD Account rates are at 4.28%. GECU Federal Credit Union's savings rates are at 0.25%. GECU Federal Credit Union's checking rates are as high as 0.10%. GECU Federal Credit Union's Personal Loan Rates are as low as 8.90%. GECU Federal Credit Union's Credit Card Rates are at 11.65%. GECU Federal Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 5.55%. Rates last updated and verified on 10/29/2026.

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

5.55%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

GECU Federal Credit Union
OPS Campus

1225 Airway Blvd
El Paso, TX 79925

https://www.gecu.com

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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.

GECU Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate - 12-month Jumbo	4.70%	4.80%	12 months
Min Deposit $50,000 Details Fixed rate; Annual/Maturity APY: 4.70%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 4.70% → 4.80% ▲ 0.10 pts · high 4.80% / low 4.70% Oct 29, 20264.80%▲ from 4.70% Oct 22, 20264.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 12-month Jumbo	4.60%	4.70%	12 months
Min Deposit $50,000 Min Balance $50,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 12 month	4.60%	4.70%	12 months
Min Deposit $50 Details Fixed rate; Annual/Maturity APY: 4.60%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 4.60% → 4.70% ▲ 0.10 pts · high 4.70% / low 4.60% Oct 29, 20264.70%▲ from 4.60% Oct 22, 20264.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo	4.55%	4.65%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 12-month Jumbo	4.60%	4.60%	12 months
Min Deposit $50,000 Min Balance $50,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 12 month	4.50%	4.59%	12 months
Min Deposit $50 Min Balance $50 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.59% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo	4.55%	4.55%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Jumbo; APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
12 Month Certificate Account Jumbo	4.45%	4.54%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate; 12-month Jumbo; APY (Monthly Crediting); Early-withdrawal penalty: 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.54% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 12 month	4.45%	4.54%	12 months
Min Deposit $50 Min Balance $50 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.54% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 24 month	4.45%	4.54%	24 months
Min Deposit $1,000 Details Fixed rate; Annual/Maturity APY: 4.45%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 4.45% → 4.54% ▲ 0.09 pts · high 4.54% / low 4.45% Oct 29, 20264.54%▲ from 4.45% Oct 22, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Personal Smart-Step Certificate Account IRA (Variable rate) - 24-month Jumbo	4.45%	4.54%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Senior Privilege Accounts; Jumbo tier; APY (Annual/Maturity Crediting): N/A Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.54% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 12 month	4.50%	4.50%	12 months
Min Deposit $50 Min Balance $50 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
12 Month Personal Bump-up Certificate Jumbo	4.40%	4.49%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Variable rate; Bump-up; 12-month Jumbo; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
12 Month Certificate Account Jumbo	4.45%	4.45%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Fixed rate; 12-month Jumbo; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 12 month	4.45%	4.45%	12 months
Min Deposit $50 Min Balance $50 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
12 Month Certificate Account	4.35%	4.44%	12 months
Min Deposit $50 Min Balance $50 Details Fixed rate; APY (Monthly Crediting); Early-withdrawal penalty: 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.44% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
12 Month Credit Builder Certificate	4.35%	4.44%	12 months
Min Deposit $500 Min Balance $500 Details Fixed rate; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 4.35% → 4.44% ▲ 0.09 pts · high 4.44% / low 4.35% Oct 29, 20264.44%▲ from 4.35% Oct 22, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
24 Month Personal Smart-Step Certificate Account IRA (Variable rate)	4.35%	4.44%	24 months
Min Deposit $2,500 Min Balance $2,500 Details Senior Privilege Accounts; APY (Annual/Maturity Crediting): N/A Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.44% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 24 month	4.35%	4.44%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.44% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Personal Smart-Step Certificate Account (Variable rate) - 24-month Jumbo	4.35%	4.44%	24 months
Min Balance $50,000 Details Jumbo; Variable rate; APY (Monthly Crediting); Senior Privilege Accounts Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.44% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 24 month	4.30%	4.39%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.39% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Smart-Step - 24-month Jumbo	4.30%	4.39%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Variable rate; Jumbo; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.39% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
12 Month Certificate Account	4.35%	4.35%	12 months
Min Deposit $50 Min Balance $50 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 90 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
12 Month Credit Builder Certificate	4.35%	4.35%	12 months
Min Deposit $500 Min Balance $500 Details Fixed rate; APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 24 month	4.35%	4.35%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
24 Month Personal Smart-Step Certificate Account (Variable rate)	4.25%	4.33%	24 months
Min Balance $2,500 Details Variable rate; APY (Monthly Crediting); Senior Privilege Accounts Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 60 month	4.25%	4.33%	60 months
Min Deposit $1,000 Details Fixed rate; Annual/Maturity APY: 4.25%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.90% → 4.33% ▲ 0.43 pts · high 4.33% / low 3.90% Oct 29, 20264.33%▲ from 3.90% Oct 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 24 month	4.30%	4.30%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
24 Month Certificate Account	4.20%	4.28%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Monthly Crediting); Early-withdrawal penalty: 150 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
24 Month Smart-Step Certificate Account Jumbo	4.20%	4.28%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Variable rate; 24-month Jumbo; APY (Monthly Crediting); Option to increase dividend during term Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Smart-Step - 24 month	4.20%	4.28%	24 months
Min Deposit $2,500 Min Balance $2,500 Details Variable rate; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 60 month	4.15%	4.23%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.87% → 4.23% ▲ 0.36 pts · high 4.23% / low 3.87% Oct 29, 20264.23%▲ from 3.87% Oct 22, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
24 Month Certificate Account	4.20%	4.20%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 150 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
24 Month Smart-Step Certificate Account	4.10%	4.18%	24 months
Min Deposit $2,500 Min Balance $2,500 Details Variable rate; APY (Monthly Crediting); Option to increase dividend during term Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Bump-up - 60-month Jumbo	4.10%	4.18%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Variable rate; Jumbo; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 60 month	4.10%	4.18%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.90% → 4.18% ▲ 0.28 pts · high 4.18% / low 3.90% Oct 29, 20264.18%▲ from 3.90% Oct 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 60 month	4.15%	4.15%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 29, 20264.15%▲ from 3.80% Oct 22, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 60 month	4.10%	4.10%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 29, 20264.10%▲ from 3.90% Oct 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
60 Month Certificate Account	4.00%	4.07%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Monthly Crediting); Early-withdrawal penalty: 300 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
60 Month Personal Bump-up Certificate Jumbo	4.00%	4.07%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Variable rate; Bump-up; 60-month Jumbo; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Bump-up - 60 month	4.00%	4.07%	60 months
Min Deposit $2,500 Min Balance $2,500 Details Variable rate; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 6 month	4.00%	4.04%	6 months
Min Deposit $2,500 Details Fixed rate; Monthly APY: N/A; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 18 month	3.95%	4.02%	18 months
Min Deposit $1,000 Details Fixed rate; Annual/Maturity APY: 3.95%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95% Oct 29, 20264.02%▲ from 3.95% Oct 22, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
60 Month Certificate Account	4.00%	4.00%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 300 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
60 Month Personal Bump-up Certificate	3.90%	3.97%	60 months
Min Deposit $2,500 Min Balance $2,500 Details Variable rate; Bump-up; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 36 month	3.90%	3.97%	36 months
Min Deposit $1,000 Details Fixed rate; Annual/Maturity APY: 3.90%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.90% → 3.97% ▲ 0.07 pts · high 3.97% / low 3.90% Oct 29, 20263.97%▲ from 3.90% Oct 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 48 month	3.90%	3.97%	48 months
Min Deposit $1,000 Details Fixed rate; Annual/Maturity APY: 3.90%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.90% → 3.97% ▲ 0.07 pts · high 3.97% / low 3.90% Oct 29, 20263.97%▲ from 3.90% Oct 22, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 6 month	3.90%	3.94%	6 months
Min Deposit $2,500 Min Balance $2,500 Details APY (Annual/Maturity Crediting); Monthly crediting APY N/A Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 18 month	3.85%	3.92%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 6 month	3.85%	3.89%	6 months
Min Deposit $2,500 Min Balance $2,500 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 36 month	3.80%	3.87%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 48 month	3.80%	3.87%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Bump-up - 18-month Jumbo	3.80%	3.87%	18 months
Min Deposit $50,000 Min Balance $50,000 Details Variable rate; Jumbo; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 18 month	3.80%	3.87%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 18 month	3.85%	3.85%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 36 month	3.75%	3.82%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 48 month	3.75%	3.82%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 36 month	3.80%	3.80%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 48 month	3.80%	3.80%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 18 month	3.80%	3.80%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
6 Month Certificate Account	3.75%	3.79%	6 months
Min Deposit $2,500 Min Balance $2,500 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 30 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.79% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
18 Month Certificate Account	3.70%	3.76%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Monthly Crediting); Early-withdrawal penalty: 150 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
18 Month Personal Bump-up Certificate Jumbo	3.70%	3.76%	18 months
Min Deposit $50,000 Min Balance $50,000 Details Variable rate; Bump-up; 18-month Jumbo; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Bump-up - 18 month	3.70%	3.76%	18 months
Min Deposit $5,000 Min Balance $5,000 Details Variable rate; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 36 month	3.75%	3.75%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 48 month	3.75%	3.75%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
36 Month Certificate Account	3.65%	3.71%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Monthly Crediting); Early-withdrawal penalty: 240 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
48 Month Certificate Account	3.65%	3.71%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Monthly Crediting); Early-withdrawal penalty: 240 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 30 month	3.65%	3.71%	30 months
Min Deposit $1,000 Details Fixed rate; Annual/Maturity APY: 3.65%; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 3.65% → 3.71% ▲ 0.06 pts · high 3.71% / low 3.65% Oct 29, 20263.71%▲ from 3.65% Oct 22, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
18 Month Certificate Account	3.70%	3.70%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 150 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
18 Month Personal Bump-up Certificate	3.60%	3.66%	18 months
Min Deposit $5,000 Min Balance $5,000 Details Variable rate; Bump-up; APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
36 Month Certificate Account	3.65%	3.65%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 240 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
48 Month Certificate Account	3.65%	3.65%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 240 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 30 month	3.55%	3.61%	30 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 30 month	3.50%	3.56%	30 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Monthly Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 30 month	3.55%	3.55%	30 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 30 month	3.50%	3.50%	30 months
Min Deposit $1,000 Min Balance $1,000 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 3 month	3.45%	3.49%	3 months
Min Deposit $2,500 Details Fixed rate; Monthly APY: N/A; Minimum deposit and average daily balance Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.49% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
30 Month Certificate Account	3.40%	3.45%	30 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Monthly Crediting); Early-withdrawal penalty: 240 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
30 Month Certificate Account	3.40%	3.40%	30 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 240 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Fixed-Rate Certificate - 3 month	3.35%	3.39%	3 months
Min Deposit $2,500 Min Balance $2,500 Details APY (Annual/Maturity Crediting); Monthly crediting APY N/A Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.39% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
IRA Certificate - 3 month	3.30%	3.34%	3 months
Min Deposit $2,500 Min Balance $2,500 Details APY (Annual/Maturity Crediting) Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.34% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
3 Month Certificate Account	3.20%	3.24%	3 months
Min Deposit $2,500 Min Balance $2,500 Details Fixed rate; APY (Annual/Maturity Crediting); Early-withdrawal penalty: 30 days of interest Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.24% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

GECU Federal Credit Union Savings Rates

Product	Rate	APY
Savings IRA	0.25%	0.25%
Min Deposit $10 Min Balance $10 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Christmas Club accounts	0.20%	0.20%
Min Deposit $10 Min Balance $10 Details May be opened November 1-March 31; Dividends paid through October 31, balance transferred to checking or savings on November 1; early withdrawal results in loss of interest and closure Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Youth savings accounts	0.15%	0.15%
Min Deposit $10 Min Balance $10 Details Age: 0-17 years old; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

GECU Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Personal & business savings accounts	0.15%	0.15%
Min Deposit $10 Min Balance $100 Details Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

GECU Federal Credit Union Checking Rates

Product	Rate	APY	View More
Senior Privilege Checking	0.10%	0.10%
Min Deposit $0 Min Balance $2,500 Details Senior Privilege Accounts (members 60 years old or older); Minimum average daily balance to earn dividends: $2,500 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

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 accurate as of Tuesday, April 4, 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
New and used motorcycle loans	-	7.25%	1-66 months
Details Published APR range: 7.25%-16.5%. Rates accurate as of Tuesday, April 4, 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
New and used motor home, travel trailer and fifth wheel Loan	-	7.75%	67-72 months
Details Published APR range: 7.75%-17%. Rates accurate as of Tuesday, April 4, 2017; Amount financed up to $15,000 for 67-72 month term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
New and used motorcycle loans	-	7.75%	67-72 months
Details Published APR range: 7.75%-17%. Rates accurate as of Tuesday, April 4, 2017; Amount financed up to $15,000 for 67-72 month term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
New and used motor home, travel trailer and fifth wheel Loan	-	8.25%	73-78 months
Details Published APR range: 8.25%-16%. Rates accurate as of Tuesday, April 4, 2017; Amount financed up to $30,000 for 73-78 month term Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
New and used motor home, travel trailer and fifth wheel Loan	-	8.25%	79-84 months
Details Published APR range: 8.25%-16%. Rates accurate as of Tuesday, April 4, 2017; Amount financed is $30,000 and above for 79-84 month term Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
New and used motorcycle loans	-	8.25%	73-78 months
Details Published APR range: 8.25%-16%. Rates accurate as of Tuesday, April 4, 2017; Amount financed up to $30,000 for 73-78 month term Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
New and used motorcycle loans	-	8.25%	79-84 months
Details Published APR range: 8.25%-16%. Rates accurate as of Tuesday, April 4, 2017; Amount financed is $30,000 and above for 79-84 month term Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
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 accurate as of Tuesday, April 4, 2017; Available for motor home, travel trailer and fifth-wheel financing (subject to year model and value) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
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 accurate as of Tuesday, February 28, 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
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 accurate as of Tuesday, February 28, 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
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 accurate as of Tuesday, February 28, 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

GECU Federal Credit Union Credit Card Rates

Product	Rate	APR
GECU Empowerment Mastercard credit card	-	11.65%
Details Published APR range: 11.65%-17.90%. APR for purchases and balance transfers (Variable rate); Cash advance APR (Variable rate): 2% above your APR for purchases, not to exceed 17.90% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.40% → 11.65% ▲ 0.25 pts · high 11.65% / low 11.40% Oct 9, 202611.65%▲ from 11.40% Sep 14, 202611.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
GECU Rewards Mastercard credit card	-	14.49%
Details Published APR range: 14.49%-17.90%. APR for purchases and balance transfers (Variable rate); Cash advance APR (Variable rate): 2% above your APR for purchases, not to exceed 17.90% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24% Oct 9, 202614.49%▲ from 14.24% Sep 14, 202614.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

GECU Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.90%	Up to 24 months
Details As Low As; Collateral: No collateral Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Personal Loan	11.05%	25 to 60 months
Details As Low As; Collateral: No collateral Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.05% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

GECU Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	9.90%	Up to 36 months
Details As Low As; Loan balance up to $2,500; Home improvement loans less than or equal to $30,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Home Improvement Loan	-	-	10.30%	37 to 60 months
Details As Low As; Loan balance up to $5,000; Home improvement loans less than or equal to $30,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 10.30% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Home Improvement Loan	-	-	10.40%	61 to 72 months
Details As Low As; Loan balance up to $10,000; Home improvement loans less than or equal to $30,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 10.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Home Improvement Loan	-	-	10.45%	73 to 84 months
Details As Low As; Loan balance up to $10,000; Home improvement loans less than or equal to $30,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 10.45% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Home Improvement Loan	-	-	10.60%	85 to 96 months
Details As Low As; Loan balance up to $18,000; Home improvement loans less than or equal to $30,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 10.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Home Improvement Loan	-	-	10.60%	97 to 108 months
Details As Low As; Loan balance up to $22,000; Home improvement loans less than or equal to $30,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 10.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%
Home Improvement Loan	-	-	10.90%	109 to 120 months
Details As Low As; Loan balance up to $30,000; Home improvement loans less than or equal to $30,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 10.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.55%

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 3.31% in Q3 2023 to 5.55% in Q2 2026, so its financial health has held steady at a healthy level 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
June 30, 2026	$4.7B	5.55%	5.0	A+
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+

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 799

Part-Time Employees 35

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

5.55%

Return on Assets (ROA)

0.6910%

Return on Equity (ROE)

5.2270%

Non-Performing Loans Ratio (NPL)

1.00%

Total Assets

4,735,159,889

Total Amount of Shares and Deposits

3,852,586,972

Total Shares and Deposits < 1 Year

3,607,990,702

Total Shares and Deposits 1 3 Years

188,240,917

Total Shares and Deposits > 3 Years

56,355,353

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

265,385,952

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

330,359,572

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

3,522,227,400

Total Interest Expense (Sum of items 6 8)

35,809,711

Share Certificates

31,741

Number of Accounts for Share Drafts

265,811

IRA KEOGH Accounts

8,977

Number of Accounts for Regular Shares

409,770

All other shares

6,582

Non Member Deposits

Money Market Shares

1,929

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

32,719,901

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)

122,321,186

Total Liabilities

4,109,062,592

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

GECU Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About GECU Federal Credit Union

Does GECU Federal Credit Union offer CDs?

Yes. GECU Federal Credit Union current CD rates include its Fixed-Rate CD - 12 month at 4.59% APY, its 12 Month CD Account at 4.44% APY and its 12 Month Credit Builder CD at 4.44% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from GECU Federal Credit Union NCUA insured?

Yes. GECU Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at GECU Federal Credit Union?

The highest GECU Federal Credit Union CD rate is its IRA CD - 12-month Jumbo at 4.80% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does GECU Federal Credit Union offer?

GECU Federal Credit Union CD rates are 4.59% APY for a 12 month CD, 3.66% APY for an 18 month CD, 4.44% APY for a 2 year CD and 3.97% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with GECU Federal Credit Union for its full lineup.

What is the highest savings rate at GECU Federal Credit Union?

The highest GECU Federal Credit Union savings rate is its Savings IRA at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at GECU Federal Credit Union?

The highest GECU Federal Credit Union checking rate is its Senior Privilege Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at GECU Federal Credit Union?

The lowest GECU Federal Credit Union personal loan rate is its Personal Loan at 8.90% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at GECU Federal Credit Union?

The lowest GECU Federal Credit Union credit card APR is its GECU Empowerment Mastercard credit card at 11.65% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do GECU Federal Credit Union rates compare?

GECU Federal Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A+ health rating. GECU Federal Credit Union's top rates are its IRA CD - 12-month Jumbo at 4.80% APY, its Savings IRA at 0.25% APY, its Senior Privilege Checking at 0.10% APY, its Personal Loan at 8.90% APR and its GECU Empowerment Mastercard credit card at 11.65% APR, verified by MonitorBankRates on October 29, 2026.

Current GECU Federal Credit Union Rates

12-Month CD4.35%
18-Month CD3.66%
24-Month CD4.18%
60-Month CD3.97%
Savings0.25%

Retrieved from our database of financial products. Rates subject to change.

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GECU Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

GECU Federal Credit Union Texas Ratio

GECU Federal Credit Union Health Trend

GECU Federal Credit Union CD Rates

GECU Federal Credit Union Savings Rates

GECU Federal Credit Union Business Savings Rates

GECU Federal Credit Union Checking Rates

GECU Federal Credit Union RV, Boat and Powersport Loan Rates

GECU Federal Credit Union Credit Card Rates

GECU Federal Credit Union Personal Loan Rates

GECU Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

GECU Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About GECU Federal Credit Union

Does GECU Federal Credit Union offer CDs?

Are CDs from GECU Federal Credit Union NCUA insured?

What is the highest CD rate at GECU Federal Credit Union?

What CD terms does GECU Federal Credit Union offer?

What is the highest savings rate at GECU Federal Credit Union?

What is the highest checking rate at GECU Federal Credit Union?

What is the lowest personal loan rate at GECU Federal Credit Union?

What is the lowest credit card APR at GECU Federal Credit Union?

How many branches does GECU Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does GECU Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do GECU Federal Credit Union rates compare?

Current GECU Federal Credit Union Rates

Compare to Other Credit Unions