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

Current rates for Genco Federal Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.75%, 60-Month CD: 3.35%, Savings: 0.35%, MMA: 1.55%

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Genco Federal Credit Union

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Genco Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Genco 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, Genco 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: October 12, 2026

Genco Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 13 Month CD, 0.35% APY on savings, 1.55% APY on money market accounts, 2.15% APY on checking, personal loans from 10.65% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Genco Federal Credit Union CD rates include 24 Month IRA CD at 3.90%, 12 Month IRA CD at 3.85%, and 24 Month IRA CD at 3.85%. MonitorBankRates evaluates the financial stability of Genco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.63%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.63%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Genco Federal Credit Union
Valley Mills

731 N Valley Mills Dr
Waco, TX 76710-4848

https://gencofcu.org

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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.

Genco Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Term Share	3.94%	4.00%	13 months
Min Deposit $5,000 Details Limited Time Offer; Rates apply to both Regular or IRA Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
24 Month IRA Certificate	3.84%	3.90%	24 months
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
12 Month IRA Certificate	3.80%	3.85%	12 months
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
24 Month IRA Certificate	3.80%	3.85%	24 months
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
12 Month IRA Certificate	3.75%	3.80%	12 months
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
24 Month IRA Certificate	3.75%	3.80%	24 months
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
12 Month IRA Certificate	3.70%	3.75%	12 months
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
24 Month IRA Certificate	3.70%	3.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
24 Month Term Share Certificate	3.70%	3.75%	24 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
12 Month IRA Certificate	3.65%	3.70%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
12 Month Term Share Certificate	3.65%	3.70%	12 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
36 Month IRA Certificate	3.46%	3.51%	36 months
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
48 Month IRA Certificate	3.46%	3.51%	48 months
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
60 Month IRA Certificate	3.46%	3.51%	60 months
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
36 Month IRA Certificate	3.41%	3.45%	36 months
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
48 Month IRA Certificate	3.41%	3.45%	48 months
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
60 Month IRA Certificate	3.41%	3.45%	60 months
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
36 Month IRA Certificate	3.36%	3.40%	36 months
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
48 Month IRA Certificate	3.36%	3.40%	48 months
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
6 Month IRA Certificate	3.37%	3.40%	6 months
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
60 Month IRA Certificate	3.36%	3.40%	60 months
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
36 Month IRA Certificate	3.31%	3.35%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
36 Month Term Share Certificate	3.31%	3.35%	36 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
48 Month IRA Certificate	3.31%	3.35%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
48 Month Term Share Certificate	3.31%	3.35%	48 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
6 Month IRA Certificate	3.32%	3.35%	6 months
Min Balance $25,000 Details Balance: $25,000 to $49,999,99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
60 Month IRA Certificate	3.31%	3.35%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
60 Month Term Share Certificate	3.31%	3.35%	60 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
6 Month IRA Certificate	3.27%	3.30%	6 months
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
6 Month IRA Certificate	3.22%	3.25%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
6 Month Term Share Certificates	3.22%	3.25%	6 months
Min Deposit $10,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.35%	0.35%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Savings Safari Club Account	0.35%	0.35%
Min Balance $100 Details Balance: $100 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Share (savings) Account	0.35%	0.35%
Min Balance $5,000 Details Balance: $5,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Share (savings) Account	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Savings Safari Club Account	0.25%	0.25%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 - $99.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Share (savings) Account	0.25%	0.25%
Min Deposit $5 Min Balance $100 Details Balance: $100 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.54%	1.55%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Money Market Account	1.39%	1.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Money Market Account	1.29%	1.30%
Min Balance $20,000 Details Balance: $20,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Money Market Account	1.19%	1.20%
Min Balance $5,000 Details Balance: $5,000 to $19,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Money Market Account	1.09%	1.10%
Min Balance $2,500 Details Balance: $2,500 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Money Market Account	0.40%	0.40%
Min Deposit $2,500 Min Balance $100 Details Balance: $100 to $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Checking Rates

Product	Rate	APY
Advantage Checking - Qualifying accounts	2.13%	2.15%
Details up to $25,000; Balance: up to $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Advantage Checking - Qualifying accounts	0.75%	0.75%
Min Balance $25,000 Details $25,000.01; Balance: $25,000.01 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
First Class Checking	0.10%	0.10%
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Senior Checking	0.10%	0.10%
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Advantage Checking - Non-qualifying accounts	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.10%	0.10%
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	5.25%	60 Months
Details As Low As; Home Equity loans secured by second liens receive a 1.00% interest rate increase to the qualified interest rate; Rates effective 02/25/26 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Home Equity	-	-	5.75%	61-120 Months
Details As Low As; Home Equity loans secured by second liens receive a 1.00% interest rate increase to the qualified interest rate; Rates effective 02/25/26 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Home Equity	-	-	5.99%	121-180 Months
Details As Low As; Home Equity loans secured by second liens receive a 1.00% interest rate increase to the qualified interest rate; Rates effective 02/25/26 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Home Equity	-	-	6.49%	181-240 Months
Details As Low As; Home Equity loans secured by second liens receive a 1.00% interest rate increase to the qualified interest rate; Rates effective 02/25/26 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicles (New & Used All Models) Loan	-	-	4.84%	Up to 48 months
Details As Low As; Rate applies to vehicle purchases or when refinancing an auto loan from another institution; Consumer Loan rates effective 01/01/2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Vehicles (New and Used) All Models Loan	-	-	4.94%	66 months
Details As Low As; Rate applies to vehicle purchases or when refinancing an auto loan from another institution; Consumer Loan rates effective 01/01/2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.94% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
Vehicles (New and Used) All Models Loan	-	-	4.99%	72 months
Details As Low As; Rate applies to vehicle purchases or when refinancing an auto loan from another institution; Consumer Loan rates effective 01/01/2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Rewards MasterCard	-	12.24%
Details As Low As; Variable rates; 7.9% APR fixed if shared secured Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.65%	60 months
Details As Low As; Consumer Loan rates effective 01/01/2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

Genco Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	10.90%
Details As Low As; Consumer Loan rates effective 01/01/2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
GENCO Kasasa Cash - Non-qualifying accounts Checking	0.05%	-	0.05%
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
GENCO Kasasa Cash - Qualifying accounts and over Checking	0.75%	-	0.75%
Min Balance $10,000 Details up to $10,000.01; Balance: $10,000.01 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
GENCO Kasasa Cash - Qualifying accounts Checking	4.17%	-	4.25%
Min Deposit $50 Details up to $10,000; Balance: up to $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
IRA Accumulator Account	1.19%	-	1.20%
Min Deposit $25 Min Balance $25 Details Balance: $25 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
IRA Accumulator Account	1.29%	-	1.30%
Min Balance $5,000 Details Balance: $5,000 to $19,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
IRA Accumulator Account	1.39%	-	1.40%
Min Balance $20,000 Details Balance: $20,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
IRA Accumulator Account	1.54%	-	1.55%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%
KASASA Cash	-	-	4.25%
Min Deposit $50 Min Balance $0 Details Qualifications Required: 1 ACH credit or ACH payment transaction; 12 debit card purchases; enrolled in and logged into online banking; Balances up to $10,000.00 earn 4.25% APY; 0.75% APY on balances over $10,000; base rate 0.05% APY if qualifications aren't met; refunds on ATM withdrawal fees, nationwide (up to $15 monthly); no monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.63%

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

Genco Federal Credit Union’s Texas Ratio fell from 1.42% in Q3 2023 to 0.63% in Q2 2026, so its financial health has stayed 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

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	$495M	0.63%	5.0	A+
March 31, 2026	$491M	0.92%	5.0	A+
December 31, 2025	$480M	1.29%	5.0	A+
September 30, 2025	$476M	0.76%	5.0	A+
June 30, 2025	$469M	0.80%	5.0	A+
March 31, 2025	$465M	0.75%	5.0	A+
December 31, 2024	$451M	1.00%	5.0	A+
September 30, 2024	$444M	1.04%	5.0	A+
June 30, 2024	$439M	1.14%	5.0	A+
March 31, 2024	$439M	1.08%	5.0	A+
December 31, 2023	$432M	1.28%	5.0	A+
September 30, 2023	$431M	1.42%	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 Genco 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 Genco 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 Genco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Genco Federal Credit Union

Website https://gencofcu.org

Address 731 N Valley Mills Dr, Waco, TX 76710-4848

Phone 254-776-9550

Fax 254-776-4633

President Robert Black

CEO Neil Ling

Full-Time Employees 91

Part-Time Employees 10

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.63%

Return on Assets (ROA)

0.9757%

Return on Equity (ROE)

6.8417%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

494,732,071

Total Amount of Shares and Deposits

421,853,569

Total Shares and Deposits < 1 Year

403,986,433

Total Shares and Deposits 1 3 Years

15,091,198

Total Shares and Deposits > 3 Years

2,775,938

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

25,169,490

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

25,169,490

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

396,684,079

Total Interest Expense (Sum of items 6 8)

3,229,201

Share Certificates

2,549

Number of Accounts for Share Drafts

23,168

IRA KEOGH Accounts

1,293

Number of Accounts for Regular Shares

40,433

All other shares

155

Money Market Shares

872

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)

34,650,263

Total Liabilities

424,351,340

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Genco Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Genco Federal Credit Union

How many branches does Genco Federal Credit Union operate?

Genco 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 Genco Federal Credit Union?

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

Does Genco Federal Credit Union offer online and mobile banking?

Most modern institutions like Genco 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://gencofcu.org.

Current Genco Federal Credit Union Rates

12-Month CD3.70%
24-Month CD3.75%
60-Month CD3.35%
Savings0.35%
MMA1.55%

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

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Genco Federal Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Genco Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Genco Federal Credit Union

How many branches does Genco Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Genco Federal Credit Union offer online and mobile banking?

Current Genco Federal Credit Union Rates

Compare to Other Credit Unions