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General Electric Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 30, 2026
General Electric Credit Union's 18-Month CD rates are at 4.25%, 2-Year CD rates are at 4.25%, 9-Month CD rates are at 4.00%, 1-Year CD rates are at 3.70%, 6-Month CD rates are at 3.60%. General Electric Credit Union's savings rates are at 0.01%. General Electric Credit Union's money market rates are at 1.80%. General Electric Credit Union's checking rates are as high as 0.45%. General Electric Credit Union's Fixed Equity Rich Loans - 10-year Fixed rates are at 7.75%, Fixed Equity Rich Loans - 15-year fixed rates are at 8.00%. General Electric Credit Union's Personal Loan Rates are as low as 10.00%. General Electric Credit Union's Credit Card Rates are at 10.99%. General Electric Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of General Electric Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.06%. Rates last updated and verified on 10/30/2026.
General Electric Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at General Electric Credit Union? Share your experience about General Electric Credit Union by leaving a review below, or read customer reviews before you decide to use General Electric Credit Union.
General Electric Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
General Electric Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.06%
ExcellentLower than avg
General Electric Credit Union Texas Ratio
General Electric Credit Union's Texas Ratio is 6.06%, which is considered excellent and is lower than the national average of 6.13%.
General Electric Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.35% to 6.06% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
General Electric Credit Union CD Rates
Product
Rate
APY
Term
View More
18-Month Certificate
4.17%
4.25%
18 Months
Min Balance$0
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 10, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
2-Year Certificate
4.17%
4.25%
2 Years
Min Balance$0
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 10, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
2-Year Jumbo Certificate
4.17%
4.25%
2-Year
Min Balance$100,000
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 10, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Health Savings Account (HSA) Certificates - 18-Month Certificate
4.18%
4.25%
18 months
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 18-Month Certificate
4.18%
4.25%
18-Month
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 2-Year Certificate
4.18%
4.25%
2-Year
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA Jumbo 2-Year Certificate
4.18%
4.25%
2-Year
Min Balance$100,000
DetailsIRA Jumbo Certificates; APYs as of last dividend declaration date 10.6.2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
9-Month Certificate
3.93%
4.00%
9 Months
Min Balance$0
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
Oct 10, 20264.00%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Health Savings Account (HSA) Certificates - 9-Month Certificate
3.94%
4.00%
9 months
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 9-Month Certificate
3.94%
4.00%
9-Month
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
1-Year Jumbo Certificate
3.74%
3.80%
1-Year
Min Balance$100,000
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA Jumbo 1-Year Certificate
3.75%
3.80%
1-Year
Min Balance$100,000
DetailsIRA Jumbo Certificates; APYs as of last dividend declaration date 10.6.2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
1-Year Certificate
3.64%
3.70%
1 Year
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 1-Year Certificate
3.65%
3.70%
1-Year
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
6-Month Certificate
3.54%
3.60%
6 Months
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Health Savings Account (HSA) Certificates - 6-Month Certificate
3.55%
3.60%
6 months
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 6-Month Certificate
3.55%
3.60%
6-Month
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
3-Month Certificate
3.49%
3.55%
3 Months
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Health Savings Account (HSA) Certificates - 3-Month Certificate
3.50%
3.55%
3 months
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 3-Month Certificate
3.50%
3.55%
3-Month
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
13-Month Certificate
3.45%
3.50%
13 months
Min Deposit$0
Min Balance$0
DetailsCertificate special; limited-time offer. Minimum balance required to open is $0. Balance must be greater than $0 to earn dividends. Funding must be received within 30 days of opening. Early withdrawal penalties apply.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
13-Month IRA/HSA Certificate
3.45%
3.50%
13 months
Min Deposit$0
Min Balance$0
DetailsCertificate special; limited-time offer. Minimum balance required to open is $0. Balance must be greater than $0 to earn dividends. Funding must be received within 30 days of opening. Early withdrawal penalties apply.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
11-Month No-Penalty Certificate
3.30%
3.35%
11 months
Min Balance$0
DetailsCertificate Special: early withdrawals not permitted within the first six (6) days after account opening; to withdraw with no penalty, the entire amount plus dividends must be withdrawn in one transaction; IRA and HSA Certificates not eligible; APYs as of 10.25.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
3-Year Certificate
3.11%
3.15%
3 Years
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 3-Year Certificate
3.11%
3.15%
3-Year
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
5-Year Certificate
3.01%
3.05%
5 Years
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
IRA 5-Year Certificate
3.02%
3.05%
5-Year
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
3-Year Bump Certificate
2.76%
2.80%
3-Year
Min Balance$0
DetailsDiscontinued; promotion ended effective 1.3.25; APYs as of 10.25.2024
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
3-Year IRA/HSA Bump Certificate
2.77%
2.80%
3-Year
Min Balance$0
DetailsDiscontinued; promotion ended effective 1.3.25; APYs as of 10.25.2024
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
5-Year Bump Certificate
2.67%
2.70%
5-Year
Min Balance$0
DetailsDiscontinued; promotion ended effective 1.3.25; APYs as of 10.25.2024
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
5-Year IRA Bump Certificate
2.67%
2.70%
5-Year
Min Balance$0
DetailsDiscontinued; promotion ended effective 1.3.25; APYs as of 10.25.2024
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Savings Rates
Product
Rate
APY
View More
Savings
0.01%
0.01%
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.01% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.01%
0.01%
Min Deposit$5
DetailsBalance: $5.00; APYs shown are as of the last dividend declaration date 2.22.2024
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Money Market Rates
Product
Rate
APY
View More
IRA Money Market
1.79%
1.80%
Min Balance$0
DetailsBalance: Up to $99.99; APYs as of 1.9.2026
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Thrive Money Market
1.79%
1.80%
Min Deposit$0
Min Balance$0
DetailsBalance: Up to $99.99; Membership eligibility required; APYs as of 1.9.2026
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Advantage Money Market
1.79%
1.80%
Min Balance$0
DetailsBalance: Up to $24,999.99
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Checking Rates
Product
Rate
APY
View More
Amplified High-Yield Checking
0.45%
0.45%
Min Balance$1,000,000
DetailsBalance: $1,000,000+; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Amplified High-Yield Checking
0.35%
0.35%
Min Balance$250,000
DetailsBalance: $250,000 - $999,999.99; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Amplified High-Yield Checking
0.25%
0.25%
Min Balance$50,000
DetailsBalance: $50,000 - $249,999.99; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Amplified High-Yield Checking
0.15%
0.15%
Min Balance$1,500
DetailsBalance: $1,500 - $49,999.99; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Choice Checking
0.07%
0.07%
Min Deposit$25
Min Balance$5,000
DetailsBalance: $5,000+; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Amplified High-Yield Checking
0.05%
0.05%
Min Balance$0
DetailsBalance: Up to $1,499.99; $15 monthly maintenance fee if average daily balance below $1,500; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Choice Checking
0.03%
0.03%
Min Deposit$25
Min Balance$0
DetailsBalance: Up to $4,999.99; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 2.22% → 0.03% ▼ 2.19 pts · high 2.22% / low 0.03%
Oct 14, 20260.03%▼ from 2.22%
Sep 14, 20262.22%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
HSA Checking Account
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.01; APYs as of 2.22.2024
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Business Checking Rates
Product
Rate
APY
View More
Premier Business Checking
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000 and over
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Premier Business Checking
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
No change since Sep 14, 2026 · 9.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loan
-
-
5.74%
Up to 48 months
DetailsAs Low As; New/Used Cars, 2023 and newer models; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
5.99%
Up to 63 months
DetailsAs Low As; New/Used Cars, 2023 and newer models; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 5.90% → 5.99% ▲ 0.09 pts · high 5.99% / low 5.90%
Oct 19, 20265.99%▲ from 5.90%
Oct 14, 20265.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
6.49%
64 to 75 months
DetailsAs Low As; New/Used Cars, 2023 and newer models; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
6.49%
Up to 63 months
DetailsAs Low As; Used Cars, 2019 through 2022 models; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
6.99%
64 to 75 months
DetailsAs Low As; Used Cars, 2019 through 2022 models; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
7.24%
76 to 84 months
DetailsAs Low As; New/Used Cars, 2023 and newer models; Minimum loan amount is $18,000; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
7.49%
Up to 63 months
DetailsAs Low As; Used Cars, 2018 and older models; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24%
Oct 19, 20267.49%▲ from 7.24%
Oct 14, 20267.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
7.74%
76 to 84 months
DetailsAs Low As; Used Cars, 2019 through 2022 models; Minimum loan amount is $18,000; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.94% → 7.74% ▼ 0.20 pts · high 7.94% / low 7.74%
Oct 19, 20267.74%▼ from 7.94%
Oct 14, 20267.94%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Vehicle Loan
-
-
7.99%
64 to 75 months
DetailsAs Low As; Used Cars, 2018 and older models; Minimum loan amount is $10,000; Effective 10.14.2026; APR will vary if loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74%
Oct 19, 20267.99%▲ from 7.74%
Oct 14, 20267.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loan - New/Used Motorcycles, 2023 and newer models
-
7.49%
Up to 36 months
DetailsAs Low As; Model Year: 2023 and newer; Effective 1.1.2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Motorcycle Loan - New/Used Motorcycles, 2023 and newer models
-
7.74%
37 to 48 months
DetailsAs Low As; Model Year: 2023 and newer; Effective 1.1.2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Motorcycle Loan - New/Used Motorcycles, 2023 and newer models
-
7.99%
49 to 60 months
DetailsAs Low As; Model Year: 2023 and newer; Effective 1.1.2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Motorcycle Loan - Used Motorcycles, 2022 and older models
-
8.49%
Up to 36 months
DetailsAs Low As; Model Year: 2022 and older; Effective 1.1.2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Motorcycle Loan - Used Motorcycles, 2022 and older models
-
8.74%
37 to 48 months
DetailsAs Low As; Model Year: 2022 and older; Effective 1.1.2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Fixed RV Loans
-
8.99%
Up to 84 Months
DetailsAs Low As; New/Used Fixed, $24,999.99 and Below; Effective 11.4.2023; Terms are guidelines only; longer terms may be available for qualified borrowers; APR will vary if the loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Motorcycle Loan - Used Motorcycles, 2022 and older models
-
8.99%
49 to 60 months
DetailsAs Low As; Model Year: 2022 and older; Effective 1.1.2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Fixed RV Loans
-
9.99%
Up to 180 Months
DetailsAs Low As; New/Used Fixed, $25,000 to $74,999.99; Effective 11.4.2023; Terms are guidelines only; longer terms may be available for qualified borrowers; APR will vary if the loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 9.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Fixed RV Loans
-
10.49%
Up to 180 Months
DetailsAs Low As; New/Used Fixed, $75,000 and Above; Effective 11.4.2023; Terms are guidelines only; longer terms may be available for qualified borrowers; APR will vary if the loan is signed at a partner dealer location
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 10.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Credit Card Rates
Product
Rate
APR
View More
The Classic Credit Card
-
10.99%
DetailsAs Low As; Credit card - The Classic; APR column
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Gold Credit Card
-
12.49%
DetailsAs Low As; Credit card - Gold; APR column
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 12.49% APR · checked 4 times
No change since Oct 19, 2026 · 13.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Visa Signature
-
14.49%
DetailsPublished APR range: As low as 14.49%. As Low As; Credit card - Visa Signature; APR column
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24%
Oct 10, 202614.49%▲ from 14.24%
Sep 14, 202614.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loans
10.00%
Up to 24 months
DetailsAs Low As; Unsecured Personal Loan; Effective 9.18.2026
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
Sep 18, 202610.00%▲ from 9.75%
Sep 14, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Signature Loans
11.00%
Up to 60 months
DetailsAs Low As; Unsecured Personal Loan; Effective 9.18.2026
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75%
Sep 18, 202611.00%▲ from 10.75%
Sep 14, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Visa Signature
14.49%
DetailsPublished APR range: As low as 14.49%. As Low As; Credit card - Visa Signature; APR column
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24%
Oct 10, 202614.49%▲ from 14.24%
Sep 14, 202614.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
General Electric Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Anytime Line of Credit (ALOC)
-
-
11.00%
DetailsAs Low As; Loan Amount: $500 - $50,000; Program minimum rate is 6% and maximum rate is 18%; rate is variable and adjusts with the Prime Rate; Effective 9.18.2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 11.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Hardship Emergency Loan Program (HELP)
-
-
18.00%
30 days to 6 months
DetailsEffective 6.8.2021
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 18.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
New/Used Fixed
-
-
7.99%
Up to 180 Months
DetailsAs Low As; Loan Amount: $75,000 and Above; New/Used Fixed
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
New/Used Fixed
-
-
7.49%
Up to 180 Months
DetailsAs Low As; Loan Amount: $25,000 to $74,999.99; New/Used Fixed
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
New/Used Fixed
-
-
6.99%
Up to 84 Months
DetailsAs Low As; Loan Amount: $24,999.99 and Below; New/Used Fixed
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Health Savings Account (HSA) Certificates - 1-Year Certificate
3.65%
-
3.70%
1 year
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Health Savings Account (HSA) Certificates - 2-Year Certificate
4.18%
-
4.25%
2 years
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Health Savings Account (HSA) Certificates - 3-Year Certificate
3.11%
-
3.15%
3 years
Min Balance$0
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.06%
Financial Health History
General Electric Credit Union’s Texas Ratio rose from 5.35% in Q3 2023 to 6.06% 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 and its Health Grade from A+ to A. 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
$4.2B
6.06%
5.0
A
March 31, 2026
$4.2B
6.01%
5.0
A
December 31, 2025
$4.2B
7.08%
5.0
A
September 30, 2025
$4.3B
6.82%
5.0
A
June 30, 2025
$4.3B
6.02%
5.0
A
March 31, 2025
$4.4B
5.66%
5.0
A+
December 31, 2024
$4.4B
8.12%
5.0
A
September 30, 2024
$4.6B
7.34%
5.0
A
June 30, 2024
$4.7B
6.26%
5.0
A
March 31, 2024
$5.0B
4.61%
5.0
A+
December 31, 2023
$5.1B
6.54%
5.0
A
September 30, 2023
$5.0B
5.35%
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 General Electric Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather General Electric Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with General Electric Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
599,803,041
Total Uninsured Shares and Deposits > $250K (F+J)
599,803,041
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,901,963,517
Total Interest Expense (Sum of items 6 8)
56,872,124
Share Certificates
30,488
Number of Accounts for Share Drafts
44,887
IRA KEOGH Accounts
9,068
Number of Accounts for Regular Shares
62,469
All other shares
2,356
Non Member Deposits
36
Money Market Shares
38,327
Net Income (unless the amount is already included in Undivided Earnings)
7,306,818
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)
286,988,414
Total Liabilities
3,886,719,170
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
General Electric 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for General Electric Credit Union
Frequently Asked Questions About General Electric Credit Union
Does General Electric Credit Union offer CDs?
Yes. General Electric Credit Union current CD rates include its 18-Month CD at 4.25% APY, its 2-Year CD at 4.25% APY and its 9-Month CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from General Electric Credit Union NCUA insured?
Yes. General Electric 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 General Electric Credit Union?
The highest General Electric Credit Union CD rate is its 18-Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does General Electric Credit Union offer?
General Electric Credit Union CD rates are 3.60% APY for a 6 month CD, 4.00% APY for a 9 month CD, 3.70% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.25% APY for a 2 year CD and 2.70% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with General Electric Credit Union for its full lineup.
What is the highest savings rate at General Electric Credit Union?
The highest General Electric Credit Union savings rate is its Business Savings at 0.01% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at General Electric Credit Union?
The highest General Electric Credit Union money market rate is its Business Advantage Money Market at 1.80% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at General Electric Credit Union?
The highest General Electric Credit Union checking rate is its Amplified High-Yield Checking at 0.45% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest home equity rate at General Electric Credit Union?
The lowest General Electric Credit Union home equity rate is its Fixed Equity Rich Loans - 10-year Fixed at 7.75%, verified by MonitorBankRates as of October 30, 2026. General Electric Credit Union home equity rates are 7.75% for a 10 year home equity loan and 8.00% for a 15 year home equity loan.
What is the lowest auto loan rate at General Electric Credit Union?
The lowest General Electric Credit Union auto loan rate is its Vehicle Loan at 5.74% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at General Electric Credit Union?
The lowest General Electric Credit Union personal loan rate is its Signature Loans at 10.00% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at General Electric Credit Union?
The lowest General Electric Credit Union credit card APR is its The Classic Credit Card at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does General Electric Credit Union operate?
General Electric Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join General Electric Credit Union?
Yes, to access services at General Electric Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, General Electric Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, General Electric Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does General Electric Credit Union offer online and mobile banking?
Most modern institutions like General Electric Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gecreditunion.org.
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 General Electric Credit Union rates compare?
General Electric Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A health rating. General Electric Credit Union's top rates are its 18-Month CD at 4.25% APY, its Business Savings at 0.01% APY, its Business Advantage Money Market at 1.80% APY, its Amplified High-Yield Checking at 0.45% APY, its Fixed Equity Rich Loans - 10-year Fixed at 7.75%, its Signature Loans at 10.00% APR and its The Classic Credit Card at 10.99% APR, verified by MonitorBankRates on October 30, 2026.
Current General Electric Credit Union Rates
12-Month CD3.35%
18-Month CD4.25%
24-Month CD4.25%
60-Month CD2.70%
Savings0.01%
MMA1.80%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
