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Governmental Employees Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Governmental Employees Credit Union's 9 Month CD rates are at 4.00%, 12 Month CDs rates are at 3.60%, 18 Month CDs rates are at 3.60%, 24 Month CDs rates are at 3.60%, 36 Month CDs rates are at 3.60%. Governmental Employees Credit Union's savings rates are at 1.50%. Governmental Employees Credit Union's money market rates are at 2.50%. Governmental Employees Credit Union's checking rates are as high as 0.10%. Governmental Employees Credit Union's Home Mortgage Loan - 5 Year Fixed rates are at 5.50%, Home Mortgage Loan - 7 Year Fixed rates are at 5.62%, Home Mortgage Loan - 10 Year Fixed rates are at 5.75%, Home Mortgage Loan - 12 Year Fixed rates are at 5.88%, Home Mortgage Loan - 15 Year Fixed rates are at 6.00%. Governmental Employees Credit Union's Personal Loan Rates are as low as 10.99%. Governmental Employees Credit Union's Credit Card Rates are at 8.99%. Governmental Employees Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Governmental Employees Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.09%. Rates last updated and verified on 10/29/2026.
Governmental Employees 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 Governmental Employees Credit Union? Share your experience about Governmental Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Governmental Employees Credit Union.
Governmental Employees Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Governmental Employees Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
6.09%
ExcellentLower than avg
Governmental Employees Credit Union Texas Ratio
Governmental Employees Credit Union's Texas Ratio is 6.09%, which is considered excellent and is lower than the national average of 6.13%.
Governmental Employees Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.14% to 6.09% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Governmental Employees Credit Union CD Rates
Product
Rate
APY
Term
View More
180 days Goal Setter CD
5.87%
6.00%
180 days
Min Deposit$100
DetailsAges: 13-18; One Goal Setter CD per child; Maximum contribution limit $5,000; Penalty of 180 days in dividend accrual for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 6.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
180 days Kick Start CD
4.909%
5.00%
180 days
Min Deposit$100
DetailsAges: 0-12; One Kick Start CD per child; Maximum contribution limit $5,000; Penalty of 180 days in dividend accrual for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12 Month IRA Certificate - CD SPECIAL
4.426%
4.50%
12 months
Min Deposit$500
DetailsCD SPECIAL
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12 Month Share Certificates - CD SPECIAL
4.41%
4.50%
12 months
Min Deposit$1,000
DetailsCD SPECIAL
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
9 Month Certificate
-
4.00%
9 months
Min Deposit$1,000
DetailsCD Special - "Hole in One Rates"; Minimum $1,000 required for Share Certificate; Minimum $500 required for IRA Certificate; Membership eligibility required
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
9 & 18 month IRA Certificate - CD SPECIAL
3.941%
4.00%
9 & 18 months
Min Deposit$500
DetailsCD SPECIAL
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
9 & 18 month Share Certificates - CD SPECIAL
3.928%
4.00%
9 & 18 months
Min Deposit$1,000
DetailsCD SPECIAL
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
12 Month Share Certificates
3.542%
3.60%
12 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
18 Month Share Certificates
3.542%
3.60%
18 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
24 Month Share Certificates
3.542%
3.60%
24 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
36 Month Share Certificates
3.542%
3.60%
36 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
6 Month Share Certificates
3.542%
3.60%
6 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Clubhouse Certificate - 12 month
3.542%
3.60%
12 months
Min Deposit$250
DetailsCredit Union Clubhouse youth program for members ages birth to 18; Penalties for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Clubhouse Certificate - 24 month
3.542%
3.60%
24 months
Min Deposit$250
DetailsCredit Union Clubhouse youth program for members ages birth to 18; Penalties for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Clubhouse Certificate - 36 month
3.542%
3.60%
36 months
Min Deposit$250
DetailsCredit Union Clubhouse youth program for members ages birth to 18; Penalties for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Certificate - 12 month
3.552%
3.60%
12 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Certificate - 18 month
3.552%
3.60%
18 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Certificate - 24 month
3.552%
3.60%
24 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Certificate - 36 month
3.552%
3.60%
36 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
48 Month Share Certificates
2.716%
2.75%
48 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Certificate - 48 month
2.722%
2.75%
48 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
60 Month Share Certificates
2.472%
2.50%
60 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Certificate - 60 month
2.477%
2.50%
60 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Savings Rates
Product
Rate
APY
View More
Health Savings Account
1.49%
1.50%
Min Balance$25,000
DetailsBalance: $25,000 and Over; Tax-advantaged account; contact credit union for details
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Health Savings Account
0.75%
0.75%
DetailsBalance: Under $25,000; Tax-advantaged account; contact credit union for details
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Christmas Club
0.50%
0.50%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Savings Account
0.50%
0.50%
DetailsTax-advantaged account; contact credit union for details
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Saver's Sweepstakes Account
0.50%
0.50%
DetailsBalance: Up to $2,500
Last Updated10/29/2026
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: 6.09%
Basic Savings
0.10%
0.10%
Min Balance$0
DetailsBalance: $0.01 - $5,000
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Basic Savings
0.10%
0.10%
Min Balance$5,000
DetailsBalance: $5,000+
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Saver's Sweepstakes Account
0.10%
0.10%
Min Balance$2,500
DetailsBalance: $2,500 & Up
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Money Market Rates
Product
Rate
APY
View More
Elite Money Market
2.471%
2.50%
Min Deposit$25
Min Balance$250,000
DetailsBalance: $250,000+
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Elite Money Market
2.373%
2.40%
Min Deposit$25
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Elite Money Market
2.178%
2.20%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Elite Money Market
2.08%
2.10%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Elite Money Market
1.981%
2.00%
Min Deposit$25
Min Balance$25
DetailsBalance: $25 - $9,999
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Checking Rates
Product
Rate
APY
View More
Choice Checking
0.10%
0.10%
Min Balance$500
DetailsMinimum to Earn Dividends: $500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Basic Checking
0.00%
0.00%
Min Balance$0
DetailsMinimum to Earn Dividends: $0
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Home Mortgage Loan - 5 Year Fixed
-
-
5.50%
5 years
DetailsAs Low As; 5 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Mortgage Loan - 7 Year Fixed
-
-
5.625%
7 years
DetailsAs Low As; 7 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.63% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Mortgage Loan - 10 Year Fixed
-
-
5.75%
10 years
DetailsAs Low As; 10 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Mortgage Loan - 12 Year Fixed
-
-
5.875%
12 years
DetailsAs Low As; 12 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 5.88% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Mortgage Loan - 15 Year Fixed
-
-
6.00%
15 years
DetailsAs Low As; 15 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 6.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - 5 Year Fixed
-
-
6.125%
5 year fixed rate
DetailsAs Low As; Term: 5 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.13% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Equity Loan - 7 Year Fixed
-
-
6.375%
7 year fixed rate
DetailsAs Low As; Term: 7 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Equity Loan - 10 Year Fixed
-
-
6.625%
10 year fixed rate
DetailsAs Low As; Term: 10 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Equity Loan - 15 Year Fixed
-
-
6.875%
15 year fixed rate
DetailsAs Low As; Term: 15 year fixed rate
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.88% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Equity Line of Credit (HELOC)
-
-
7.00%
DetailsAs Low As
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 1, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto and Motorcycle Loan
-
-
3.99%
1-36 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 3.49% → 3.99% ▲ 0.50 pts · high 3.99% / low 3.49%
Oct 9, 20263.99%▲ from 3.49%
Sep 18, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
4.24%
37-48 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 3.74% → 4.24% ▲ 0.50 pts · high 4.24% / low 3.74%
Oct 9, 20264.24%▲ from 3.74%
Sep 18, 20263.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
4.49%
49-60 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
Oct 9, 20264.49%▲ from 3.99%
Sep 18, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
4.49%
1-36 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
Oct 9, 20264.49%▲ from 3.99%
Sep 18, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
4.74%
37-48 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
Oct 9, 20264.74%▲ from 4.24%
Sep 18, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
4.99%
61-72 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
Oct 9, 20264.99%▲ from 4.49%
Sep 18, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
4.99%
49-60 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
Oct 9, 20264.99%▲ from 4.49%
Sep 18, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
5.49%
73-84 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 9, 20265.49%▲ from 4.99%
Sep 18, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
5.49%
61-72 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 9, 20265.49%▲ from 4.99%
Sep 18, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
5.99%
73-84 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
Oct 9, 20265.99%▲ from 5.49%
Sep 18, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
5.99%
1-36 months
DetailsAs Low As; Vehicle Age: 9 years or older
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
Oct 9, 20265.99%▲ from 5.49%
Sep 18, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
6.24%
37-48 months
DetailsAs Low As; Vehicle Age: 9 years or older
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
Oct 9, 20266.24%▲ from 5.74%
Sep 18, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan
-
-
6.49%
49-60 months
DetailsAs Low As; Vehicle Age: 9 years or older
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 9, 20266.49%▲ from 5.99%
Sep 18, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicle Loan
-
4.49%
1-36 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
4.74%
37-48 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
4.99%
49-60 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
4.99%
1-36 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
Oct 9, 20264.99%▲ from 4.49%
Sep 22, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
5.24%
37-48 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
Oct 9, 20265.24%▲ from 4.74%
Sep 22, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
5.49%
61-72 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
5.49%
49-60 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 9, 20265.49%▲ from 4.99%
Sep 22, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
5.99%
73-84 months
DetailsAs Low As; Vehicle Age: 2025 and newer (<15,000 miles)
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 5.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
5.99%
61-72 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
Oct 9, 20265.99%▲ from 5.49%
Sep 22, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
6.49%
73-84 months
DetailsAs Low As; Vehicle Age: 8 years or newer
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 9, 20266.49%▲ from 5.99%
Sep 22, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
6.49%
1-36 months
DetailsAs Low As; Vehicle Age: 9 years or older
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Oct 9, 20266.49%▲ from 5.99%
Sep 22, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
6.74%
37-48 months
DetailsAs Low As; Vehicle Age: 9 years or older
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24%
Oct 9, 20266.74%▲ from 6.24%
Sep 22, 20266.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Recreational Vehicle Loan
-
6.99%
49-60 months
DetailsAs Low As; Vehicle Age: 9 years or older
Last Updated10/29/2026
Rate History
1 change since Sep 22, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49%
Oct 9, 20266.99%▲ from 6.49%
Sep 22, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Credit Card
-
8.99%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loans
10.99%
DetailsAs Low As; Loan amount: Up to $10,000
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Personal Loans
12.99%
DetailsAs Low As; Loan amount: $10,000.01+
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 12.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Governmental Employees Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Bicycle Loan
-
-
3.99%
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Construction Loan
-
-
4.99%
DetailsAs Low As; APR*
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Home Loans
-
-
5.50%
DetailsAs Low As; Competitive rates, as low as 5.500% APR*; APR = Annual Percentage Rate, rates subject to change daily, loan rates based on creditworthiness and credit approval, membership eligibility required
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Kwik Cash Line of Credit
-
-
8.99%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Business
0.35%
-
0.35%
Min Balance$10,000
DetailsMinimum to Earn Dividends: $10,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Coverdell ESA (Educational Savings Account)
0.50%
-
0.50%
DetailsTax-advantaged account; contact credit union for details
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
IRA Certificate - CD SPECIAL 12 months
4.426%
-
4.50%
12 months
Min Deposit$500
DetailsCD Special
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Kick Start CD
-
-
5.00%
180 days
Min Deposit$100
DetailsAges: 0-12; Matures on 13 birthday; May be opened in the child's name only; Limit one CD per child; Can be added to at any time up to the limit of $5,000; Early withdrawal = 180 days forfeiture of dividends
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.09%
Financial Health History
Governmental Employees Credit Union’s Texas Ratio rose from 2.14% in Q3 2023 to 6.09% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$122M
6.09%
5.0
A
March 31, 2026
$119M
4.98%
5.0
A+
December 31, 2025
$117M
4.92%
5.0
A+
September 30, 2025
$114M
6.35%
5.0
A
June 30, 2025
$115M
5.80%
5.0
A+
March 31, 2025
$114M
6.67%
5.0
A
December 31, 2024
$111M
4.24%
5.0
A+
September 30, 2024
$110M
4.16%
5.0
A+
June 30, 2024
$110M
4.80%
5.0
A+
March 31, 2024
$110M
3.38%
5.0
A+
December 31, 2023
$107M
4.17%
5.0
A+
September 30, 2023
$103M
2.14%
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 Governmental Employees 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 Governmental Employees 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 Governmental Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameGovernmental Employees Credit Union
Address
225 La Crosse St,
La Crosse, WI 54601-3253
Phone608-785-7720
Fax
PresidentWayne Delagrave
CEOTravis Carley
Full-Time Employees16
Part-Time Employees1
Branch Locations2
ATM Locations1
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
6.09%
Return on Assets (ROA)
0.3327%
Return on Equity (ROE)
3.5386%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
121,827,126
Total Amount of Shares and Deposits
109,192,184
Total Shares and Deposits < 1 Year
102,931,699
Total Shares and Deposits 1 3 Years
5,884,214
Total Shares and Deposits > 3 Years
376,271
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,306,755
Total Uninsured Shares and Deposits > $250K (F+J)
5,306,755
Total Insured Shares and Deposits > $250K (item 17 less item K)
103,885,429
Total Interest Expense (Sum of items 6 8)
1,028,113
Share Certificates
1,405
Number of Accounts for Share Drafts
3,337
IRA KEOGH Accounts
521
Number of Accounts for Regular Shares
8,758
All other shares
78
Money Market Shares
419
Net Income (unless the amount is already included in Undivided Earnings)
405,300
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)
11,016,617
Total Liabilities
110,373,336
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Governmental Employees Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Governmental Employees Credit Union
Frequently Asked Questions About Governmental Employees Credit Union
Does Governmental Employees Credit Union offer CDs?
Yes. Governmental Employees Credit Union current CD rates include its 9 Month CD at 4.00% APY, its 12 Month CDs at 3.60% APY and its 18 Month CDs at 3.60% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Governmental Employees Credit Union NCUA insured?
Yes. Governmental Employees Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Governmental Employees Credit Union?
The highest Governmental Employees Credit Union CD rate is its 180 days Goal Setter CD at 6.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Governmental Employees Credit Union offer?
Governmental Employees Credit Union CD rates are 4.00% APY for a 9 month CD, 3.60% APY for a 12 month CD, 3.60% APY for an 18 month CD, 3.60% APY for a 2 year CD, 3.60% APY for a 3 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Governmental Employees Credit Union for its full lineup.
What is the highest savings rate at Governmental Employees Credit Union?
The highest Governmental Employees Credit Union savings rate is its Health Savings Account at 1.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Governmental Employees Credit Union?
The highest Governmental Employees Credit Union money market rate is its Elite Money Market at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Governmental Employees Credit Union?
The highest Governmental Employees Credit Union checking rate is its Choice Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest mortgage rate at Governmental Employees Credit Union?
The lowest Governmental Employees Credit Union mortgage rate is its Home Mortgage Loan - 5 Year Fixed at 5.50% APR, verified by MonitorBankRates as of October 29, 2026. Governmental Employees Credit Union mortgage rates are 6.00% APR for a 15 year mortgage, 5.875% APR for a 12 year mortgage, 5.75% APR for a 10 year mortgage, 5.625% APR for a 7 year mortgage and 5.50% APR for a 5 year mortgage.
What is the lowest auto loan rate at Governmental Employees Credit Union?
The lowest Governmental Employees Credit Union auto loan rate is its Auto and Motorcycle Loan at 3.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Governmental Employees Credit Union?
The lowest Governmental Employees Credit Union personal loan rate is its Personal Loans at 10.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Governmental Employees Credit Union?
The lowest Governmental Employees Credit Union credit card APR is its VISA Credit Card at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Governmental Employees Credit Union operate?
Governmental Employees 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 Governmental Employees Credit Union?
Yes, to access services at Governmental Employees 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, Governmental Employees 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, Governmental Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Governmental Employees Credit Union offer online and mobile banking?
Most modern institutions like Governmental Employees 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.gecuwi.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 Governmental Employees Credit Union rates compare?
Governmental Employees Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A health rating. Governmental Employees Credit Union's top rates are its 180 days Goal Setter CD at 6.00% APY, its Health Savings Account at 1.50% APY, its Elite Money Market at 2.50% APY, its Choice Checking at 0.10% APY, its Home Mortgage Loan - 5 Year Fixed at 5.50%, its Personal Loans at 10.99% APR and its VISA Credit Card at 8.99% APR, verified by MonitorBankRates on October 29, 2026.
Current Governmental Employees Credit Union Rates
12-Month CD3.60%
18-Month CD3.60%
24-Month CD3.60%
60-Month CD2.50%
Savings1.50%
MMA2.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
