What are the current interest rates at Genesee Valley Federal Credit Union?

Current rates for Genesee Valley Federal Credit Union include: 12-Month CD: 0.30%, 24-Month CD: 0.40%, 60-Month CD: 0.60%, Savings: 0.10%, MMA: 0.65%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Genesee Valley Federal Credit Union

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Genesee Valley Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Genesee Valley Federal Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 5 Month CD, 0.10% APY on savings, 0.65% APY on money market accounts, 0.15% APY on checking, and personal loans from 12.24% APR, according to rates verified by MonitorBankRates. Other Genesee Valley Federal Credit Union CD rates include 5 Year CD at 0.60%, 4 Year CD at 0.55%, and 3 Year CD at 0.50%. MonitorBankRates evaluates the financial stability of Genesee Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.48%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.48%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Genesee Valley Federal Credit Union
Geneseo Office

4621 Millennium Dr
Geneseo, NY 14454

https://www.geneseevalleyfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Genesee Valley Federal Credit Union CD Rates

Product	Rate	APY	Term
5 Month Certificate	3.445%	3.50%	5 month
Min Deposit $500 Details Must have a Premium Checking account to be eligible Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Oct 5, 20263.50%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
5 Year Certificate	0.598%	0.60%	5 year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
4 Year Certificate	0.549%	0.55%	4 year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
3 Year Certificate	0.498%	0.50%	3 year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
2 Year Certificate	0.40%	0.40%	2 year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
1 Year Certificate	0.30%	0.30%	1 year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
6 Month Certificate	0.20%	0.20%	6 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	0.10%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Regular Savings	-	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Youth Savings	-	0.10%
Min Deposit $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	0.65%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000.00 +; Available for Business Members: Yes Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market Account	-	0.50%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Available for Business Members: Yes Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market Account	-	0.40%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 - $49,000.00; Available for Business Members: Yes Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market Account	-	0.30%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Available for Business Members: Yes Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market Account	-	0.15%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Available for Business Members: Yes Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Money Market Account	-	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $2,499.99; Available for Business Members: Yes Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union Checking Rates

Product	Rate	APY	View More
Premium Checking	-	0.15%
Min Deposit $0 Details Monthly Service Fee: $6.00 (Waived with average daily balance of $750.00 with direct deposit or $1,000.00 without direct deposit) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity	6.89%	-	6.89%	1st Lien
Details All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rates. Maximum 15.75% Annual Percentage Rate.; The prime rate is the underlying index for most home equity loans and lines of credit, auto loans, and consumer loans. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval.; Property Insurance is required. Other terms are available for home equity loans and home improvement loans; contact us for details. Home Equity rates quoted are for owner-occupied residences only with a combined loan-to-value of 85% or less. Contact us for rates and terms for other programs.; GVFCU will pay some or all of the closing costs associated with your line of credit. We will require you to reimburse us for all costs we incurred to open your line of credit unless you keep your account open for at least three years from the date of your home equity line of credit closing. Closing costs (when applicable) include a title search, abstract redate, mortgage tax, filing fees, flood certificate fee, Credit Union appraisal fee and are estimated to range from $454.00 and $4644.00. Your title must be in acceptable condition or you will be responsible for title Insurance at your own cost. You may receive a specific itemization of these fees upon request. Property insurance is required. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.89% → 6.89% ▼ 1.00 pts · high 7.89% / low 6.89% Oct 9, 20266.89%▼ from 7.89% Sep 14, 20267.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Fixed Home Equity	7.89%	-	7.89%	2nd Lien
Details All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rates. Maximum 15.75% Annual Percentage Rate.; The prime rate is the underlying index for most home equity loans and lines of credit, auto loans, and consumer loans. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval.; Property Insurance is required. Other terms are available for home equity loans and home improvement loans; contact us for details. Home Equity rates quoted are for owner-occupied residences only with a combined loan-to-value of 85% or less. Contact us for rates and terms for other programs.; GVFCU will pay some or all of the closing costs associated with your line of credit. We will require you to reimburse us for all costs we incurred to open your line of credit unless you keep your account open for at least three years from the date of your home equity line of credit closing. Closing costs (when applicable) include a title search, abstract redate, mortgage tax, filing fees, flood certificate fee, Credit Union appraisal fee and are estimated to range from $454.00 and $4644.00. Your title must be in acceptable condition or you will be responsible for title Insurance at your own cost. You may receive a specific itemization of these fees upon request. Property insurance is required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle (2026/2025 Models) Loan	5.74%	-	5.74%	24 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Vehicle (2026/2025 Models) Loan	5.74%	-	5.74%	36 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Vehicle (2026/2025 Models) Loan	5.74%	-	5.74%	48 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Vehicle (2026/2025 Models) Loan	5.74%	-	5.74%	60 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Vehicle (2026/2025 Models) Loan	5.74%	-	5.74%	66 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Vehicle (2026/2025 Models) Loan	5.74%	-	5.74%	72 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
New Vehicle (2026/2025 Models) Loan	6.64%	-	6.64%	2025 months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	6.24%	6.24%	24 Months
Details Add 0.50% to the rates shown above. Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Motorcycles Loan	6.24%	6.24%	36 Months
Details Add 0.50% to the rates shown above. Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Motorcycles Loan	6.24%	6.24%	48 Months
Details Add 0.50% to the rates shown above. Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Motorcycles Loan	6.44%	6.44%	60 Months
Details Add 0.50% to the rates shown above. Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.24% → 6.44% ▲ 0.20 pts · high 6.44% / low 6.24% Oct 9, 20266.44%▲ from 6.24% Oct 5, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Motorcycles Loan	6.94%	6.94%	66 Months
Details Add 0.50% to the rates shown above. Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.44% → 6.94% ▲ 0.50 pts · high 6.94% / low 6.44% Oct 9, 20266.94%▲ from 6.44% Oct 5, 20266.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Motorcycles Loan	7.14%	7.14%	72 Months
Details Add 0.50% to the rates shown above. Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.54% → 7.14% ▲ 0.60 pts · high 7.14% / low 6.54% Oct 9, 20267.14%▲ from 6.54% Oct 5, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	12.24%	Up to 24 Months
Details Model Year: 2026 - 2025 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Personal Loan	13.24%	25-36 Months
Details Model Year: 2026 - 2025 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Personal Loan	13.24%	37-48 Month
Details Model Year: 2026 - 2025 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

Genesee Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Model Year 2019 and Older Loan	7.74%	-	7.74%	24 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2019 and Older Loan	7.74%	-	7.74%	36 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2019 and Older Loan	7.74%	-	7.74%	48 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2020 Loan	6.74%	-	6.74%	24 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2020 Loan	6.74%	-	6.74%	36 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2020 Loan	6.74%	-	6.74%	48 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2020 Loan	6.94%	-	6.94%	60 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2021 Loan	6.44%	-	6.44%	24 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2021 Loan	6.44%	-	6.44%	36 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2021 Loan	6.44%	-	6.44%	48 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2021 Loan	6.44%	-	6.44%	60 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2021 Loan	6.64%	-	6.64%	66 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2021 Loan	6.74%	-	6.74%	72 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2022 Loan	6.24%	-	6.24%	24 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2022 Loan	6.24%	-	6.24%	36 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2022 Loan	6.24%	-	6.24%	48 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2022 Loan	6.24%	-	6.24%	60 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2022 Loan	6.44%	-	6.44%	66 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2022 Loan	6.54%	-	6.54%	72 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2022 Loan	7.44%	-	7.44%	73-84 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2023 Loan	5.94%	-	5.94%	24 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2023 Loan	5.94%	-	5.94%	36 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2023 Loan	5.94%	-	5.94%	48 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2023 Loan	5.94%	-	5.94%	60 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2023 Loan	6.14%	-	6.14%	66 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2023 Loan	6.24%	-	6.24%	72 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2023 Loan	7.14%	-	7.14%	73-84 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2024 Loan	5.84%	-	5.84%	24 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2024 Loan	5.84%	-	5.84%	36 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2024 Loan	5.84%	-	5.84%	48 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2024 Loan	5.84%	-	5.84%	60 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2024 Loan	5.84%	-	5.84%	66 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2024 Loan	5.84%	-	5.84%	72 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Model Year 2024 Loan	6.74%	-	6.74%	73-84 Months
Details Subject to credit approval. Subject to change. These rates are associated with Preferred Tiered credit scoring. Your exact loan rate and payment may vary based on your past credit history performance and terms of your loan approval. VSI insurance is required on vehicle loans. All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%
Premium Business	-	-	0.15%
Min Deposit $500 Details Monthly Service Fee: $6.00 (Waived with average daily balance of $2,500.00) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.48%

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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Financial Health History

Genesee Valley Federal Credit Union’s Texas Ratio stayed near 0.64% in Q3 2023 to 0.48% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$176M	0.48%	5.0	A+
March 31, 2026	$175M	0.10%	5.0	A+
December 31, 2025	$170M	0.30%	5.0	A+
September 30, 2025	$167M	0.22%	5.0	A+
June 30, 2025	$166M	0.48%	5.0	A+
March 31, 2025	$162M	0.53%	5.0	A+
December 31, 2024	$155M	0.66%	5.0	A+
September 30, 2024	$151M	0.92%	5.0	A+
June 30, 2024	$151M	0.41%	5.0	A+
March 31, 2024	$146M	0.52%	5.0	A+
December 31, 2023	$142M	0.58%	5.0	A+
September 30, 2023	$143M	0.64%	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 Genesee Valley 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 Genesee Valley 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 Genesee Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Genesee Valley Federal Credit Union

Website https://www.geneseevalleyfcu.com

Address 4621 Millennium Dr, Geneseo, NY 14454

Phone 585-243-1500

Fax 585-243-4143

President Daniel Johnson

CEO Gerard Koehler

Full-Time Employees 28

Part-Time Employees 3

Branch Locations 4

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.48%

Return on Assets (ROA)

0.9763%

Return on Equity (ROE)

5.8820%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

175,860,447

Total Amount of Shares and Deposits

145,626,845

Total Shares and Deposits < 1 Year

145,279,951

Total Shares and Deposits 1 3 Years

280,955

Total Shares and Deposits > 3 Years

65,939

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

2,315,728

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

2,315,728

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

143,311,117

Total Interest Expense (Sum of items 6 8)

627,011

Share Certificates

680

Number of Accounts for Share Drafts

7,297

IRA KEOGH Accounts

240

Number of Accounts for Regular Shares

12,497

All other shares

Money Market Shares

261

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

1,716,894

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)

29,939,929

Total Liabilities

146,671,428

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Genesee Valley Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Genesee Valley Federal Credit Union

How many branches does Genesee Valley Federal Credit Union operate?

Genesee Valley 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 Genesee Valley Federal Credit Union?

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

Does Genesee Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Genesee Valley 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.geneseevalleyfcu.com.

Current Genesee Valley Federal Credit Union Rates

12-Month CD0.30%
24-Month CD0.40%
60-Month CD0.60%
Savings0.10%
MMA0.65%

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

Compare to Other Credit Unions

Genesee Valley Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Genesee Valley Federal Credit Union Texas Ratio

Genesee Valley Federal Credit Union Health Trend

Genesee Valley Federal Credit Union CD Rates

Genesee Valley Federal Credit Union Savings Rates

Genesee Valley Federal Credit Union Money Market Rates

Genesee Valley Federal Credit Union Checking Rates

Genesee Valley Federal Credit Union Home Equity & HELOC

Genesee Valley Federal Credit Union Auto Loan Rates

Genesee Valley Federal Credit Union RV, Boat and Powersport Loan Rates

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Genesee Valley Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Genesee Valley Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Genesee Valley Federal Credit Union

How many branches does Genesee Valley Federal Credit Union operate?

Is a member application needed to join Genesee Valley Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Genesee Valley Federal Credit Union offer online and mobile banking?

Current Genesee Valley Federal Credit Union Rates

Compare to Other Credit Unions