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

Current rates for Generations Community Federal Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.35%, Savings: 0.10%, MMA: 0.25%

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Generations Community Federal Credit Union

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Generations Community Federal Credit Union Rates & Review August 2026

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: August 28, 2026

Generations Community Federal Credit Union's Jumbo CD 6 month rates are at 3.65%, Jumbo CD 18 month rates are at 3.60%, Jumbo CD 24 month rates are at 3.60%, Regular CD 6 month rates are at 3.55%, Regular CD 18 month rates are at 3.50%. Generations Community Federal Credit Union's savings rates are at 0.10%. Generations Community Federal Credit Union's money market rates are at 0.25%. Generations Community Federal Credit Union's Personal Loan Rates are at 9.74%. 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 5.60%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.60%

Excellent Lower than avg

Generations Community Federal Credit Union
Headquarters

1100 NW Loop 410
San Antonio, TX 78213

https://www.mygenfcu.org

Generations Community Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Certificate 6 month	3.60%	3.65%	6 months
Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jumbo Certificate 18 month	3.54%	3.60%	18 months
Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jumbo Certificate 24 month	3.54%	3.60%	24 months
Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Certificate 6 month	3.50%	3.55%	6 months
Min Deposit $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Certificate 18 month	3.44%	3.50%	18 months
Min Deposit $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Certificate 24 month	3.44%	3.50%	24 months
Min Deposit $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jumbo Certificate 60 month	3.30%	3.35%	60 months
Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Certificate 60 month	3.30%	3.35%	60 months
Min Deposit $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jumbo Certificate 36 month	3.15%	3.20%	36 months
Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jumbo Certificate 12 month	3.06%	3.10%	12 months
Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Certificate 36 month	3.05%	3.10%	36 months
Min Deposit $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Jumbo Certificate 48 month	2.96%	3.00%	48 months
Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Certificate 12 month	2.96%	3.00%	12 months
Min Deposit $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Regular Certificate 48 month	2.86%	2.90%	48 months
Min Deposit $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Generations Community Federal Credit Union Savings Rates

Product	Rate	APY
Preferred Savings	1.50%	1.51%
Min Deposit $5,000 Min Balance $5,000 Details New funds only. First $5,000 deposited must be new funds. New funds are funds not currently on deposit at Generations FCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Preferred Savings	0.60%	1.26%
Min Balance $10,000 Details New funds only. First $5,000 deposited must be new funds. New funds are funds not currently on deposit at Generations FCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Preferred Savings	0.50%	0.93%
Min Balance $20,000 Details New funds only. First $5,000 deposited must be new funds. New funds are funds not currently on deposit at Generations FCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Preferred Savings	0.45%	0.61%
Min Balance $80,000 Details New funds only. First $5,000 deposited must be new funds. New funds are funds not currently on deposit at Generations FCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Christmas Club	0.10%	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Share Savings	0.10%	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Generations Community Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.35%	0.35%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Money Market	0.30%	0.30%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Money Market	0.25%	0.25%
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Generations Community Federal Credit Union Checking Rates

Product	Rate	APY
MyAdvantage Plus Checking	-	0.10%
Min Deposit $25 Min Balance $25,000 Details Tiered APY. Balance $2,000 or less: 0.00% APY, $2,000.01-$25,0000: 0.05% APY, $25,000.01-$50,0000: 0.10% APY, $50,000+: 0.10% APY. Fees and other conditions could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
MyAdvantage Checking	0.05%	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
MyAdvantage Plus Checking	-	0.05%
Min Deposit $25 Min Balance $2,000 Details Tiered APY. Balance $2,000 or less: 0.00% APY, $2,000.01-$25,0000: 0.05% APY, $25,000.01-$50,0000: 0.10% APY, $50,000+: 0.10% APY. Fees and other conditions could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Basic Checking	0.00%	0.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
MyAdvantage Plus Checking	-	0.00%
Min Deposit $25 Min Balance $0 Details Tiered APY. Balance $2,000 or less: 0.00% APY, $2,000.01-$25,0000: 0.05% APY, $25,000.01-$50,0000: 0.10% APY, $50,000+: 0.10% APY. Fees and other conditions could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Generations Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC (Interest-Only) 15 years	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 are subject to approval. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 1st Lien 15 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 1st Lien 10 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 1st Lien 20 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 1st Lien 7 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 1st Lien 5 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 2nd Lien 15 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity HELOC (Principal + Interest Payments) 10 years	7.00%	-	7.46%	10 years
Details 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 are subject to approval. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 2nd Lien 10 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 2nd Lien 20 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 2nd Lien 7 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity HELOC (Principal + Interest Payments) 15 years	7.40%	-	7.73%	15 years
Details 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 are subject to approval. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Home Equity Loan 2nd Lien 5 years	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Generations Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	-	-	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New and Used Auto Loans	-	-	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New and Used Auto Loans	-	-	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
New and Used Auto Loans	-	-	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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

Generations Community Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal & Unsecured Loan	-	9.74%
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. Interest will continue to accrue during the payment deferral period. Not all loans will qualify for the 90-day payment deferral. The refinancing of an existing GFCU loan is not eligible for the automatic payment discount. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%
Personal & Unsecured Loan	-	10.40%
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. Interest will continue to accrue during the payment deferral period. Not all loans will qualify for the 90-day payment deferral. The refinancing of an existing GFCU loan is not eligible for the automatic payment discount. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.60%

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.
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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 Larry Reed

CEO Rick Divina

Full-Time Employees 167

Part-Time Employees 3

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+ (97/100)

Texas Ratio

5.60%

Return on Assets (ROA)

-0.0571%

Return on Equity (ROE)

-0.6307%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

745,226,371

Total Amount of Shares and Deposits

626,747,610

Total Shares and Deposits < 1 Year

542,578,742

Total Shares and Deposits 1 3 Years

71,793,813

Total Shares and Deposits > 3 Years

12,375,055

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

49,859,190

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

49,859,190

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

576,888,420

Total Interest Expense (Sum of items 6 8)

12,065,248

Share Certificates

3,876

Number of Accounts for Share Drafts

32,947

IRA KEOGH Accounts

1,212

Number of Accounts for Regular Shares

52,343

All other shares

2,535

Non Member Deposits

152

Money Market Shares

2,600

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

-425,677

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)

11,877,306

Total Liabilities

684,675,426

Source: NCUA — Last Updated 09/30/2025

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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.