|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Genco Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Genco Federal Credit Union's 13 Month CD rates are at 3.75%, 24 Month IRA CD rates are at 3.65%, 12 Month IRA CD rates are at 3.60%, 24 Month IRA CD rates are at 3.60%, 12 Month IRA CD rates are at 3.55%. Genco Federal Credit Union's savings rates are at 0.25%. Genco Federal Credit Union's money market rates are at 0.40%. Genco Federal Credit Union's 30-Year Fixed rates are at 5.50%. Genco Federal Credit Union's Personal Loan Rates are at 10.65%. 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 0.77%. Rates were last updated on 04/18/2026. 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. Genco Federal Credit Union
Valley Mills 731 N Valley Mills Dr
https://gencofcu.org Waco, TX 76710 4848 
Genco Federal Credit Union CD Rates
Genco Federal Credit Union Savings Rates
Genco Federal Credit Union Money Market Rates
Genco Federal Credit Union Checking Rates
Genco Federal Credit Union Mortgage Rates
Genco Federal Credit Union Home Equity & HELOC
Genco Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
92
Part-Time Employees
9
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.77%
Return on Assets (ROA)
1.1699%
Return on Equity (ROE)
8.7073%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
475,688,142
Total Amount of Shares and Deposits
408,856,555
Total Shares and Deposits < 1 Year
384,949,943
Total Shares and Deposits 1 3 Years
20,081,702
Total Shares and Deposits > 3 Years
3,824,909
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,453,459
Total Uninsured Shares and Deposits > $250K (F+J)
26,453,459
Total Insured Shares and Deposits > $250K (item 17 less item K)
382,403,096
Total Interest Expense (Sum of items 6 8)
4,782,109
Share Certificates
2,446
Number of Accounts for Share Drafts
23,150
IRA KEOGH Accounts
1,303
Number of Accounts for Regular Shares
40,730
All other shares
168
Money Market Shares
866
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
76,328,287
Total Liabilities
411,736,528
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Genco Federal Credit UnionIs Genco Federal Credit Union a safe place to deposit money?Yes, Genco Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.77424589349352%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Niagara Falls Teachers Federal Credit Union
City of Deer Park Federal Credit Union
JCT Federal Credit Union
TCP Credit Union
Washington Typographic Federal Credit Union
MUSKEGON ST JOSEPH
Aurora Postal Employees Credit Union
Texasgulf Federal Credit Union
Wesla Federal Credit Union
Infuze Credit Union
Waterloo Firemens Credit Union
Paul Quinn Federal Credit Union
Sun Pacific Federal Credit Union
McKeesport Area Public School Employees FCU
Pawtucket Municipal Employees Federal Credit Union
Carolina Foothills Federal Credit Union
TAPCO Credit Union
Consumers Federal Credit Union
Employees United Federal Credit Union
Amarillo Postal Employees Credit Union
Georgia Power Valdosta Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking