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Generations Community Federal Credit Union

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Generations Community Federal Credit Union Rates & Review September 2026

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

Current rates for Generations Community Federal Credit Union include: MMA: 0.35%

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

Generations Community Federal Credit Union's money market rates are at 0.35%. Generations Community Federal Credit Union's Personal Loan Rates are as low as 9.74%. Generations Community Federal Credit Union's Credit Card Rates are at 16.25%. MonitorBankRates evaluates the financial stability of Generations Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.94%. Rates last updated and verified on 09/16/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.94%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Generations Community Federal Credit Union
Headquarters

1100 NW Loop 410
San Antonio, TX 78213

https://www.mygenfcu.org

Generations Community Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	0.35%
Details As high as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%

Generations Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC (Interest-Only)	6.00%	-	6.32%	15 years
Details As low as; **Payments are interest-only for the first 5 years. APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR is based on an assumed balance of $50,000. Initial minimum draw of $10,000. Minimum loan amount $20,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value) All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the amount of the equity line. Property insurance is required, including flood insurance where required. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 1st Lien	6.60%	-	6.93%	15 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 1st Lien	6.55%	-	7.01%	10 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 1st Lien	6.75%	-	7.01%	20 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 1st Lien	6.50%	-	7.13%	7 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 1st Lien	6.50%	-	7.36%	5 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 2nd Lien	7.10%	-	7.43%	15 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity HELOC (Principal + Interest Payments)	7.00%	-	7.46%	10 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR is based on an assumed balance of $50,000. Initial minimum draws will vary based on term selected. Minimum loan amount $20,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the amount of the equity line. Property insurance is required, including flood insurance where required. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 2nd Lien	7.05%	-	7.51%	10 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 2nd Lien	7.25%	-	7.52%	20 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 2nd Lien	7.00%	-	7.63%	7 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity HELOC (Principal + Interest Payments)	7.40%	-	7.73%	15 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR is based on an assumed balance of $50,000. Initial minimum draws will vary based on term selected. Minimum loan amount $20,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the amount of the equity line. Property insurance is required, including flood insurance where required. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Home Equity Loan - 2nd Lien	7.00%	-	7.86%	5 years
Details As low as; APR is Annual Percentage Rate. The APR is as of 07/01/2026. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member's actual payment obligation may be greater. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%

Generations Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.95%	36 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Auto Loan	-	-	5.15%	36 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Auto Loan	-	-	5.50%	60 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Auto Loan	-	-	5.70%	72 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Auto Loan	-	-	5.70%	60 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Auto Loan	-	-	5.90%	72 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Auto Loan	-	-	6.25%	84 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Auto Loan	-	-	6.45%	84 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
First Time Auto Buyer Loan	-	-	7.45%	36 Months
Details As low as; Rates listed include an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
First Time Auto Buyer Loan	-	-	7.55%	36 Months
Details As low as; Rates listed include an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
First Time Auto Buyer Loan	-	-	7.90%	60 Months
Details As low as; Rates listed include an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
First Time Auto Buyer Loan	-	-	8.10%	72 Months
Details As low as; Rates listed include an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
First Time Auto Buyer Loan	-	-	8.10%	60 Months
Details As low as; Rates listed include an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
First Time Auto Buyer Loan	-	-	8.30%	72 Months
Details As low as; Rates listed include an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%

Generations Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New ATV or Jet Ski Loan	-	6.64%	Up to 60 Months
Details As low as; Rate listed includes a discount of 0.25%, which may be applied to a new ATV or Jet Ski Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Boat or Recreational Vehicle Loan	-	6.64%	Up to 60 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Motorcycle Loan	-	6.64%	60 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to a new Motorcycle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used ATV or Jet Ski Loan	-	6.64%	Up to 36 Months
Details As low as; Rate listed includes a discount of 0.25%, which may be applied to a new ATV or Jet Ski Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Boat or Recreational Vehicle Loan	-	6.64%	37 to 60 Months
Details As low as; Rates listed reflect a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at the time of closing. Effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Motorcycle Loan	-	6.64%	60 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to a new Motorcycle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Boat or Recreational Vehicle Loan	-	7.14%	61 to 84 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Motorcycle Loan	-	7.14%	72 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to a new Motorcycle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Boat or Recreational Vehicle Loan	-	7.14%	61 to 84 Months
Details As low as; Rates listed reflect a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at the time of closing. Effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Used Motorcycle Loan	-	7.14%	72 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to a new Motorcycle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
New Boat or Recreational Vehicle Loan	-	8.00%	85 to 120 Months
Details As low as; Rates listed include a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 07/01/2026. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%

Generations Community Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Generations Rewards Visa Signature	-	16.25%
Details As Low As; APR is Annual Percentage Rate. Rates are effective as of 07/01/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%

Generations Community Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal & Unsecured Loan	9.74%	Up to 36 months
Details As Low As; Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Rates effective 07/01/2026. Payment Example: For a $5,000 loan for a term of 36 months with a 9.74% APR, the monthly payment will be $160.73. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Personal & Unsecured Loan	10.40%	37 to 60 months
Details As Low As; Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Rates effective 07/01/2026. All loans subject to approval. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Generations Rewards Visa Signature	16.25%
Details As Low As; APR is Annual Percentage Rate. Rates are effective as of 07/01/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%

Generations Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Generations Rewards Loan	-	-	16.25%
Details As Low As; APR is Annual Percentage Rate. Rates are effective as of 07/01/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Instant Funding Loan	-	-	9.74%	Up to 36 months
Details Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Loan minimum $500. Loan maximum $4,000. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Line of Credit	-	-	11.50%
Details As Low As; APR is Annual Percentage Rate. Rates are effective as of 07/01/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Platinum Loan	-	-	11.50%
Details As Low As; APR is Annual Percentage Rate. Rates are effective as of 07/01/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%
Share Certificates	-	-	3.65%
Details As high as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.94%

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

Generations Community Federal Credit Union’s Texas Ratio rose from 4.39% in Q2 2023 to 4.94% in Q1 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$750M	4.94%	5.0	A+
December 31, 2025	$739M	6.10%	5.0	A
September 30, 2025	$745M	5.60%	5.0	A+
June 30, 2025	$747M	5.59%	5.0	A+
March 31, 2025	$738M	4.60%	5.0	A+
December 31, 2024	$744M	6.52%	5.0	A
September 30, 2024	$759M	5.93%	5.0	A+
June 30, 2024	$769M	4.78%	5.0	A+
March 31, 2024	$758M	4.43%	5.0	A+
December 31, 2023	$756M	5.26%	5.0	A+
September 30, 2023	$785M	4.98%	5.0	A+
June 30, 2023	$794M	4.39%	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 Generations Community 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 Generations Community 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 Generations Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Generations Community Federal Credit Union

Website https://www.mygenfcu.org

Address 1100 NW Loop 410, San Antonio, TX 78213

Phone 210-229-1800

Fax

President Veronica Godley

CEO Rick Divina

Full-Time Employees 169

Part-Time Employees 2

Branch Locations 7

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.94%

Return on Assets (ROA)

0.0806%

Return on Equity (ROE)

0.8865%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

750,437,716

Total Amount of Shares and Deposits

624,617,693

Total Shares and Deposits < 1 Year

542,843,301

Total Shares and Deposits 1 3 Years

68,138,061

Total Shares and Deposits > 3 Years

13,636,333

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

53,111,238

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

53,111,238

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

571,506,455

Total Interest Expense (Sum of items 6 8)

3,412,097

Share Certificates

3,983

Number of Accounts for Share Drafts

32,846

IRA KEOGH Accounts

1,182

Number of Accounts for Regular Shares

52,338

All other shares

2,517

Non Member Deposits

146

Money Market Shares

2,549

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

605,015

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)

56,498,909

Total Liabilities

688,429,447

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Generations Community Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Generations Community Federal Credit Union

How many branches does Generations Community Federal Credit Union operate?

Generations Community 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 Generations Community Federal Credit Union?

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

Does Generations Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Generations Community 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.mygenfcu.org.

Current Generations Community Federal Credit Union Rates

MMA0.35%

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

Compare to Other Credit Unions

Generations Community Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Generations Community Federal Credit Union Texas Ratio

Generations Community Federal Credit Union Health Trend

Generations Community Federal Credit Union Money Market Rates

Generations Community Federal Credit Union Home Equity & HELOC

Generations Community Federal Credit Union Auto Loan Rates

Generations Community Federal Credit Union RV, Boat and Powersport Loan Rates

Generations Community Federal Credit Union Credit Card Rates

Generations Community Federal Credit Union Personal Loan Rates

Generations Community Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Generations Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Generations Community Federal Credit Union

How many branches does Generations Community Federal Credit Union operate?

Is a member application needed to join Generations Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Generations Community Federal Credit Union offer online and mobile banking?

Current Generations Community Federal Credit Union Rates

Compare to Other Credit Unions