What are the current interest rates at Greenwich Municipal Employees Federal Credit Union?

Current rates for Greenwich Municipal Employees Federal Credit Union include: 12-Month CD: 0.30%, 18-Month CD: 0.40%, 24-Month CD: 0.50%, Savings: 0.10%, MMA: 0.30%

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Greenwich Municipal Employees Federal Credit Union

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Greenwich Municipal Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

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

Greenwich Municipal Employees Federal Credit Union's top rates as of October 9, 2026 are 0.50% APY on its CDs - 24 month CD, 0.10% APY on savings, 0.30% APY on money market accounts, and personal loans from 9.00% APR, according to rates verified by MonitorBankRates. Other Greenwich Municipal Employees Federal Credit Union CD rates include CDs - 18 month at 0.40%, CDs - 12 month at 0.30%, and CDs - 6 month at 0.25%. MonitorBankRates evaluates the financial stability of Greenwich Municipal Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.63%. Rates last updated and verified on 10/09/2026.

Greenwich Municipal Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Greenwich Municipal Employees Federal Credit Union? Share your experience about Greenwich Municipal Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Greenwich Municipal Employees Federal Credit Union.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.63%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Greenwich Municipal Employees Federal Credit Union
Greenwich Municipal Employees FCU

439 W Putnam Ave
Greenwich, CT 06830-1053

https://www.gmefcu.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.

Greenwich Municipal Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 24 month	0.50%	0.50%	24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Share Certificates - 18 month	0.40%	0.40%	18 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Share Certificates - 12 month	0.30%	0.30%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Share Certificates - 6 month	0.25%	0.25%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%

Greenwich Municipal Employees Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Regular Savings Account	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%

Greenwich Municipal Employees Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.30%	0.30%
Min Balance $75,000 Details Balance: $75,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Money Market	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000-$74,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Money Market	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Money Market	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%

Greenwich Municipal Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars Loan	-	-	4.90%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
New Cars Loan	-	-	4.90%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
New Cars Loan	-	-	4.90%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
New Cars Loan	-	-	5.90%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Used Cars Loan	-	-	5.90%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Used Cars Loan	-	-	5.90%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Used Cars Loan	-	-	5.90%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
New Cars Loan	-	-	6.90%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Used Cars Loan	-	-	6.90%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
Used Cars Loan	-	-	7.90%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%

Greenwich Municipal Employees Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Lines Of Credit Loan	9.00%	Up To 48 Months
Details Published APR range: 9.00% to 17.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%

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

Greenwich Municipal Employees Federal Credit Union’s Texas Ratio stayed near 1.20% in Q3 2023 to 1.63% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$33M	1.63%	5.0	A+
March 31, 2026	$33M	1.58%	5.0	A+
December 31, 2025	$33M	2.03%	5.0	A+
September 30, 2025	$31M	2.03%	5.0	A+
June 30, 2025	$31M	1.18%	5.0	A+
March 31, 2025	$31M	0.28%	5.0	A+
December 31, 2024	$30M	1.02%	5.0	A+
September 30, 2024	$31M	1.20%	5.0	A+
June 30, 2024	$31M	1.39%	5.0	A+
March 31, 2024	$31M	1.77%	5.0	A+
December 31, 2023	$31M	1.56%	5.0	A+
September 30, 2023	$32M	1.20%	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 Greenwich Municipal Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Greenwich Municipal Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Greenwich Municipal Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greenwich Municipal Employees Federal Credit Union

Website https://www.gmefcu.com

Address 439 W Putnam Ave, Greenwich, CT 06830-1053

Phone 203-869-5280

Fax 203-622-7409

President Joseph Benoit Jr.

CEO Gail Todd

Full-Time Employees 3

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.63%

Return on Assets (ROA)

0.8754%

Return on Equity (ROE)

6.0260%

Non-Performing Loans Ratio (NPL)

0.87%

Total Assets

32,551,678

Total Amount of Shares and Deposits

27,655,653

Total Shares and Deposits < 1 Year

27,590,514

Total Shares and Deposits 1 3 Years

65,138

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

1,487,781

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

1,487,781

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

26,167,872

Total Interest Expense (Sum of items 6 8)

53,599

Share Certificates

Number of Accounts for Share Drafts

1,219

Number of Accounts for Regular Shares

2,578

Money Market Shares

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)

1,494,800

Total Liabilities

27,822,765

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Greenwich Municipal Employees Federal Credit Union earned the Verified Healthy badge

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

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Frequently Asked Questions About Greenwich Municipal Employees Federal Credit Union

How many branches does Greenwich Municipal Employees Federal Credit Union operate?

Greenwich Municipal Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Greenwich Municipal Employees Federal Credit Union?

Yes, to access services at Greenwich Municipal Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Greenwich Municipal Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

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

Does Greenwich Municipal Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Greenwich Municipal Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gmefcu.com.