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Advertiser Disclosure
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 GenFed Financial Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
GenFed Financial Credit Union's Standard CD - 12 Month rates are at 4.50%, Standard CD - 18 Month rates are at 2.00%, Standard CD - 24 Month rates are at 2.00%, Standard CD - 30 Month rates are at 2.00%, Standard CD - 36 Month rates are at 2.00%. GenFed Financial Credit Union's savings rates are at 0.65%. GenFed Financial Credit Union's money market rates are at 0.65%. GenFed Financial Credit Union's checking rates are as high as 0.05%. GenFed Financial Credit Union's 15 Year Mortgage (Fixed) rates are at 5.74%, 30 Year Mortgage (Fixed) rates are at 6.24%, 3/3 ARM (Variable) rates are at 6.75%. GenFed Financial Credit Union's Personal Loan Rates are as low as 7.49%. GenFed Financial Credit Union's Credit Card Rates are at 16.00%. GenFed Financial Credit Union's CD rates are 27% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of GenFed Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.88%. Rates last updated and verified on 10/30/2026. GenFed Financial 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 GenFed Financial Credit Union? Share your experience about GenFed Financial Credit Union by leaving a review below, or read customer reviews before you decide to use GenFed Financial Credit Union. GenFed Financial Credit Union
Corporate Office 2492 Wedgewood Dr Ste G
https://www.genfed.com Akron, OH 44312 Privately insuredNot NCUA Customer Reviews
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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. GenFed Financial Credit Union CD Rates
GenFed Financial Credit Union Savings Rates
GenFed Financial Credit Union Money Market Rates
GenFed Financial Credit Union Checking Rates
GenFed Financial Credit Union Business Checking Rates
GenFed Financial Credit Union Mortgage Rates
GenFed Financial Credit Union Home Equity & HELOC
GenFed Financial Credit Union Auto Loan Rates
GenFed Financial Credit Union RV, Boat and Powersport Loan Rates
GenFed Financial Credit Union Credit Card Rates
GenFed Financial Credit Union Personal Loan Rates
GenFed Financial Credit Union Other Rates
Financial Health HistoryGenFed Financial Credit Union’s Texas Ratio rose from 1.79% in Q3 2023 to 4.88% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for GenFed Financial 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 GenFed Financial 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 GenFed Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
GenFed Financial Credit Union
Website
https://www.genfed.com
Address
2492 Wedgewood Dr Ste G,
Akron, OH 44312
Phone
330-734-0225
Fax
330-733-0042
President
Joyce Jones
CEO
Michael Doran
Full-Time Employees
77
Part-Time Employees
6
Branch Locations
9
ATM Locations
9
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.88%
Return on Assets (ROA)
0.5823%
Return on Equity (ROE)
3.4700%
Non-Performing Loans Ratio (NPL)
1.38%
Total Assets
335,941,657
Total Amount of Shares and Deposits
280,400,889
Total Shares and Deposits < 1 Year
257,903,984
Total Shares and Deposits 1 3 Years
20,488,503
Total Shares and Deposits > 3 Years
2,008,402
Total Interest Expense (Sum of items 6 8)
968,733
Share Certificates
1,694
Number of Accounts for Share Drafts
17,185
IRA KEOGH Accounts
748
Number of Accounts for Regular Shares
30,534
All other shares
1,375
Money Market Shares
1,442
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)
60,045,292
Total Liabilities
281,145,084
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for GenFed Financial Credit Union
Frequently Asked Questions About GenFed Financial Credit UnionDoes GenFed Financial Credit Union offer CDs?Yes. GenFed Financial Credit Union current CD rates include its Standard CD - 12 Month at 4.50% APY, its Standard CD - 18 Month at 2.00% APY and its Standard CD - 24 Month at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from GenFed Financial Credit Union NCUA insured?No. GenFed Financial Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at GenFed Financial Credit Union?The highest GenFed Financial Credit Union CD rate is its IRA CD - 12 Month at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does GenFed Financial Credit Union offer?GenFed Financial Credit Union CD rates are 4.50% APY for a 12 month CD, 2.00% APY for an 18 month CD, 2.00% APY for a 2 year CD, 2.00% APY for a 30 month CD, 2.00% APY for a 3 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with GenFed Financial Credit Union for its full lineup. What is the highest savings rate at GenFed Financial Credit Union?The highest GenFed Financial Credit Union savings rate is its Health Savings Account at 0.65% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at GenFed Financial Credit Union?The highest GenFed Financial Credit Union money market rate is its Money Market at 0.65% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at GenFed Financial Credit Union?The highest GenFed Financial Credit Union checking rate is its 50+ Interest Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at GenFed Financial Credit Union?The lowest GenFed Financial Credit Union 30 year fixed mortgage rate is its 30 Year Mortgage (Fixed) at 6.24% APR, verified by MonitorBankRates as of October 30, 2026. GenFed Financial Credit Union mortgage rates are 6.24% APR for a 30 year mortgage, 5.74% APR for a 15 year mortgage and 6.75% APR for a 3/3 ARM. What is the lowest auto loan rate at GenFed Financial Credit Union?The lowest GenFed Financial Credit Union auto loan rate is its Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at GenFed Financial Credit Union?The lowest GenFed Financial Credit Union personal loan rate is its Signature Loan at 7.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at GenFed Financial Credit Union?The lowest GenFed Financial Credit Union credit card APR is its Platinum MasterCard Credit Card at 16.00% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does GenFed Financial Credit Union operate?GenFed Financial 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 GenFed Financial Credit Union?Yes, to access services at GenFed Financial 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, GenFed Financial 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, GenFed Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does GenFed Financial Credit Union offer online and mobile banking?Most modern institutions like GenFed Financial 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.genfed.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do GenFed Financial Credit Union rates compare?GenFed Financial Credit Union's CD rates are 27% lower than the MonitorBankRates national average, and it has an A+ health rating. GenFed Financial Credit Union's top rates are its IRA CD - 12 Month at 4.50% APY, its Health Savings Account at 0.65% APY, its Money Market at 0.65% APY, its 50+ Interest Checking at 0.05% APY, its 15 Year Mortgage (Fixed) at 5.74%, its Signature Loan at 7.49% APR and its Platinum MasterCard Credit Card at 16.00% APR, verified by MonitorBankRates on October 30, 2026. Current GenFed Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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