What are the current interest rates at Governmental Employees Credit Union?

Current rates for Governmental Employees Credit Union include: 12-Month CD: 3.60%, 18-Month CD: 3.60%, 24-Month CD: 3.60%, 60-Month CD: 2.50%, Savings: 1.50%, MMA: 2.50%

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Governmental Employees Credit Union

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Governmental Employees Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

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

Governmental Employees Credit Union's top rates as of October 9, 2026 are 6.00% APY on its 180 days Goal Setter CD, 1.50% APY on savings, 2.50% APY on money market accounts, 0.10% APY on checking, 5.50% on its Conventional Fixed Rate mortgage, personal loans from 10.99% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Governmental Employees Credit Union CD rates include 180 days Kick Start CD at 5.00%, 12 Month CD SPECIAL at 4.50%, and CD SPECIAL - 12 month at 4.50%. Other Governmental Employees Credit Union mortgage rates include In-House Fixed Rate Mortgage at 5.50%, 10 year fixed rate at 5.75%, and 15 year fixed rate at 6.00%. 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 10/09/2026.

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.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.09%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Governmental Employees Credit Union
Governmental Employee Credit Union

225 La Crosse St
La Crosse, WI 54601-3253

https://www.gecuwi.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.

Governmental Employees Credit Union CD Rates

Product	Rate	APY	Term
180 days Goal Setter CD	-	6.00%	180 days
Min Deposit $100 Details Available to members ages 13-18; Matures on 18 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 Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
180 days Kick Start CD	-	5.00%	180 days
Min Deposit $100 Details Available to members ages 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 Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
12 Month CD SPECIAL	4.426%	4.50%	12 months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60% Oct 1, 20264.50%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
CD SPECIAL - 12 month	4.41%	4.50%	12 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60% Oct 1, 20264.50%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
CD SPECIAL - 9 & 18 month	3.928%	4.00%	9 & 18 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
12 Month CD SPECIAL	3.542%	3.60%	12 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
12 Month CD SPECIAL	3.552%	3.60%	12 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
12 Month Clubhouse Certificates	3.542%	3.60%	12 months
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
12 Month IRA Certificate	3.552%	3.60%	12 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
18 Month CD SPECIAL	3.542%	3.60%	18 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
18 Month CD SPECIAL	3.552%	3.60%	18 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
18 Month IRA Certificate	3.552%	3.60%	18 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
24 Month CD SPECIAL	3.542%	3.60%	24 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
24 Month CD SPECIAL	3.552%	3.60%	24 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
24 Month Clubhouse Certificates	3.542%	3.60%	24 months
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
24 Month IRA Certificate	3.552%	3.60%	24 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
36 Month CD SPECIAL	3.542%	3.60%	36 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
36 Month CD SPECIAL	3.552%	3.60%	36 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
36 Month Clubhouse Certificates	3.542%	3.60%	36 months
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
36 Month IRA Certificate	3.552%	3.60%	36 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
6 Month CD SPECIAL	3.542%	3.60%	6 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Share Certificates - 12 month	3.542%	3.60%	12 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Share Certificates - 18 month	3.542%	3.60%	18 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Share Certificates - 24 month	3.542%	3.60%	24 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Share Certificates - 36 month	3.542%	3.60%	36 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Share Certificates - 6 month	3.542%	3.60%	6 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
48 Month CD SPECIAL	2.716%	2.75%	48 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
48 Month CD SPECIAL	2.722%	2.75%	48 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
48 Month IRA Certificate	2.722%	2.75%	48 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Share Certificates - 48 month	2.716%	2.75%	48 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
60 Month CD SPECIAL	2.472%	2.50%	60 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
60 Month CD SPECIAL	2.477%	2.50%	60 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
60 Month IRA Certificate	2.477%	2.50%	60 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Share Certificates - 60 month	2.472%	2.50%	60 months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%

Governmental Employees Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000 and Over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Health Savings Account	0.75%	0.75%
Min Balance $0 Details Balance: Under $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Christmas Club	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
IRA Savings Account	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Saver's Sweepstakes Account	0.50%	0.50%
Min Balance $0 Details Balance: Up to $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Basic Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Basic Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 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 Details Balance: $2,500 & Up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%

Governmental Employees Credit Union Money Market Rates

Product	Rate	APY
Elite Money Market	2.471%	2.50%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Elite Money Market	2.373%	2.40%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Elite Money Market	2.178%	2.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Elite Money Market	2.08%	2.10%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Elite Money Market	1.981%	2.00%
Min Balance $25 Details Balance: $25 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%

Governmental Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Rate	-	-	5.50%	15 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Conventional Fixed Rate	-	-	5.50%	20 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Conventional Fixed Rate	-	-	5.50%	30 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
In-House Fixed Rate Mortgage	-	-	5.50%	5 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
In-House Fixed Rate Mortgage	-	-	5.50%	7 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
In-House Fixed Rate Mortgage	-	-	5.50%	10 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
In-House Fixed Rate Mortgage	-	-	5.50%	12 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
In-House Fixed Rate Mortgage	-	-	5.50%	15 years
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
10 year fixed rate	-	-	5.75%	10 year
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
15 year fixed rate	-	-	6.00%	15 year
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 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
Home Equity 5 year fixed rate	-	-	6.125%	5 year
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity Loan	-	-	6.125%	5 year fixed rate
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity 7 year fixed rate	-	-	6.375%	7 year
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity Loan	-	-	6.375%	7 year fixed rate
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity 10 year fixed rate	-	-	6.625%	10 year
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity Loan	-	-	6.625%	10 year fixed rate
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.63% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity 15 year fixed rate	-	-	6.875%	15 year
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity Loan	-	-	6.875%	15 year fixed rate
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details As low as Last Updated 10/09/2026 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
Auto and Motorcycle Loan	-	-	3.99%	1-36 months
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 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 Loans	3.99%	-	3.99%
Details As low as Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 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 - 8 years or newer: 1-36 months Loan	-	-	4.49%	8 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Oct 9, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan	-	-	4.49%	49-60 months
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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 - 8 years or newer: 37-48 months Loan	-	-	4.74%	8 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24% Oct 9, 20264.74%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan	-	-	4.74%	37-48 months
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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 - 8 years or newer: 49-60 months Loan	-	-	4.99%	8 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Oct 9, 20264.99%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan	-	-	4.99%	61-72 months
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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 - 8 years or newer: 61-72 months Loan	-	-	5.49%	8 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 9, 20265.49%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan	-	-	5.49%	73-84 months
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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 - 8 years or newer: 73-84 months Loan	-	-	5.99%	8 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 9, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle - 9 years or older: 1-36 months Loan	-	-	5.99%	9 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 9, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan	-	-	5.99%	73-84 months
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 9 years or older Last Updated 10/09/2026 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 - 9 years or older: 37-48 months Loan	-	-	6.24%	9 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Oct 9, 20266.24%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan	-	-	6.24%	37-48 months
Details As low as; Vehicle Age: 9 years or older Last Updated 10/09/2026 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 - 9 years or older: 49-60 months Loan	-	-	6.49%	9 Years
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 9, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Auto and Motorcycle Loan	-	-	6.49%	49-60 months
Details As low as; Vehicle Age: 9 years or older Last Updated 10/09/2026 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
Recreational Vehicle Loan	-	4.49%	1-36 months
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Recreational Vehicle Loan	-	4.74%	37-48 months
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Recreational Vehicle Loan	-	4.99%	49-60 months
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Recreational Vehicle Loan	-	4.99%	1-36 months
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Recreational Vehicle Loan	-	5.49%	49-60 months
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 2025 and newer (<15,000 miles) Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Recreational Vehicle Loan	-	5.99%	61-72 months
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 8 years or newer Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 9 years or older Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 9 years or older Last Updated 10/09/2026 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
Details As low as; Vehicle Age: 9 years or older Last Updated 10/09/2026 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 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 Loan	10.99%
Details As low as; Loan amount: Up to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Personal Loan	12.99%
Details As low as; Loan amount: $10,000.01+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 4 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
12 year fixed rate	-	-	5.875%	12 year
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
2025 and newer (< 15,000 miles): 49-60 months Loan	-	-	4.49%	49-60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
2025 and newer (< 15,000 miles): 61-72 months Loan	-	-	4.99%	61-72 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
2025 and newer (< 15,000 miles): 73-84 months Loan	-	-	5.49%	73-84 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
2025 and newer (<15,000 miles): 1-36 months Loan	-	-	3.99%	1-36 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
2025 and newer (<15,000 miles): 37-48 months Loan	-	-	4.24%	37-48 months
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
5 year fixed rate	-	-	5.50%	5 year
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
7 year fixed rate	-	-	5.625%	7 year
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.63% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Bicycle Loan	-	-	3.99%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Construction Loan	-	-	4.99%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Construction Loan	-	-	5.50%
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.50% ▲ 0.51 pts · high 5.50% / low 4.99% Oct 9, 20265.50%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Home Loan	-	-	5.50%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Kwik Cash Line of Credit	-	-	8.99%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
WHEDA Loan	-	-	5.50%
Details Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Business	0.35%	-	0.35%
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Clubhouse Certificates - 12 months	3.542%	-	3.60%	12 months
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Clubhouse Certificates - 24 months	3.542%	-	3.60%	24 months
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Clubhouse Certificates - 36 months	3.542%	-	3.60%	36 months
Min Deposit $250 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Coverdell ESA (Educational Savings Account)	0.50%	-	0.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%
Kick Start CD	4.909%	-	5.00%
Min Deposit $100 Details Ages 0-12 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.09%

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

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 Name Governmental Employees Credit Union

Website https://www.gecuwi.com

Address 225 La Crosse St, La Crosse, WI 54601-3253

Phone 608-785-7720

Fax

President Wayne Delagrave

CEO Travis Carley

Full-Time Employees 16

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

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

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

Q2 2026 MBR Health & Safety Badge

Governmental Employees 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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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Governmental Employees Credit Union

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.

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.

Compare to Other Credit Unions

Governmental Employees Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Governmental Employees Credit Union Texas Ratio

Governmental Employees Credit Union Health Trend

Governmental Employees Credit Union CD Rates

Governmental Employees Credit Union Savings Rates

Governmental Employees Credit Union Money Market Rates

Governmental Employees Credit Union Checking Rates

Governmental Employees Credit Union Mortgage Rates

Governmental Employees Credit Union Home Equity & HELOC

Governmental Employees Credit Union Auto Loan Rates

Governmental Employees Credit Union RV, Boat and Powersport Loan Rates

Governmental Employees Credit Union Credit Card Rates

Governmental Employees Credit Union Personal Loan Rates

Governmental Employees Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Governmental Employees Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Governmental Employees Credit Union

How many branches does Governmental Employees Credit Union operate?

Is a member application needed to join Governmental Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Governmental Employees Credit Union offer online and mobile banking?

Current Governmental Employees Credit Union Rates

Compare to Other Credit Unions