What are the current interest rates at Generations Community Federal Credit Union?

Current rates for Generations Community Federal Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.35%, Savings: 1.51%, MMA: 0.35%

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Generations Community Federal Credit Union

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Generations Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Generations Community 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 12, 2026

Generations Community Federal Credit Union's top rates as of October 12, 2026 are 3.65% APY on its 6 Month Jumbo CD, 1.51% APY on savings, 0.35% APY on money market accounts, 0.10% APY on checking, personal loans from 9.99% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other Generations Community Federal Credit Union CD rates include 18 Month Jumbo CD at 3.60%, 24 Month Jumbo CD at 3.60%, and 6 Month Regular CD at 3.55%. MonitorBankRates evaluates the financial stability of Generations Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.40%. Rates last updated and verified on 10/12/2026.

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

6.40%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Generations Community Federal Credit Union
Headquarters

1100 NW Loop 410
San Antonio, TX 78213

https://www.mygenfcu.org

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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.

Generations Community Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Jumbo Certificate	3.60%	3.65%	6 months
Min Deposit $1,000 Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 Month Jumbo Certificate	3.54%	3.60%	18 months
Min Deposit $1,000 Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Jumbo Certificate	3.54%	3.60%	24 months
Min Deposit $1,000 Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
6 Month Regular Certificate	3.50%	3.55%	6 months
Min Deposit $1,000 Min Balance $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
18 Month Regular Certificate	3.44%	3.50%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
24 Month Regular Certificate	3.44%	3.50%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 Month Jumbo Certificate	3.30%	3.35%	60 months
Min Deposit $1,000 Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
60 Month Regular Certificate	3.30%	3.35%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 Month Jumbo Certificate	3.15%	3.20%	36 months
Min Deposit $1,000 Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 Month Jumbo Certificate	3.06%	3.10%	12 months
Min Deposit $1,000 Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
36 Month Regular Certificate	3.05%	3.10%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
12 Month Regular Certificate	2.96%	3.00%	12 months
Min Deposit $1,000 Min Balance $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 Month Jumbo Certificate	2.96%	3.00%	48 months
Min Deposit $1,000 Min Balance $100,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
48 Month Regular Certificate	2.86%	2.90%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY is effective as of 01/21/2026. Published rates and APYs are subject to change daily. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties. Share certificates are available with a minimum deposit of $1,000. Annual Percentage Yield (APY) is accurate as of effective date. Rates are fixed for term and dividends are compounded monthly. The stated APY assumes principal and dividends remain on deposit until maturity. Fees and other conditions could reduce earnings on the account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Savings Rates

Product	Rate	APY
Preferred Savings	1.50%	1.51%
Min Deposit $5,000 Min Balance $5,000 Details Total Funds In Account: $5,000.00*; First $5,000 deposited must be new funds. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Preferred Savings	-	1.51%
Min Deposit $5,000 Min Balance $5,000 Details Published APY range: 1.51% - 1.26%. Total Funds In Account: $5,000.01 - $10,000.00; First $5,000 deposited must be new funds. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Preferred Savings	-	0.93%
Min Deposit $5,000 Min Balance $20,000 Details Published APY range: 0.93% - 0.61%. Total Funds In Account: $20,000.01 - $80,000.00; First $5,000 deposited must be new funds. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.93% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Preferred Savings	-	0.61%
Min Deposit $5,000 Min Balance $80,000 Details Published APY range: 0.61% - 0.50%. Total Funds In Account: $80,000.01 or greater; First $5,000 deposited must be new funds. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Christmas Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Share Savings	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	0.35%
Details As high as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Checking Rates

Product	Rate	APY
MyAdvantage Plus Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.01-$50,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
MyAdvantage Plus Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.01+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
MyAdvantage Checking	-	0.05%
Min Deposit $25 Details Account Holder & Joint Account Holder Only; Monthly Fee: $5.95; Get Paid Up To 2 Days Early; Yes; Up To $600 Per Claim; DAILY Credit Monitoring & MONTHLY Score; Access Every 6 Months; $10k for Primary & Joint; No Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
MyAdvantage Checking	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
MyAdvantage Plus Checking	0.05%	0.05%
Min Balance $2,000 Details Balance: $2,000-$25,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	6.50%	-	7.13%	7 years
Details 1st Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	6.85%	-	7.19%	15 years
Details 1st Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	6.80%	-	7.27%	10 years
Details 1st Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.27% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	7.00%	-	7.27%	20 years
Details 1st Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.27% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	6.50%	-	7.36%	5 years
Details 1st Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.36% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	7.00%	-	7.65%	7 years
Details 2nd Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	7.35%	-	7.69%	15 years
Details 2nd Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	7.30%	-	7.78%	10 years
Details 2nd Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.78% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	7.50%	-	7.78%	20 years
Details 2nd Lien; As low as Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.78% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Home Equity Loan	7.00%	-	7.88%	5 years
Details 2nd Lien; As low as Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 7.36% → 7.88% ▲ 0.52 pts · high 7.88% / low 7.36% Oct 12, 20267.88%▲ from 7.36% Oct 4, 20267.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.95%	36 Months
Details As low as*; 2025 + Newer Models; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Auto Loan	-	-	5.15%	36 Months
Details As low as; Used 2016-2024 Year Models; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 4.95% → 5.15% ▲ 0.20 pts · high 5.15% / low 4.95% Oct 8, 20265.15%▲ from 4.95%* Oct 4, 20264.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Auto Loan	-	-	5.50%	60 Months
Details As low as*; 2025 + Newer Models; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Auto Loan	-	-	5.70%	60 Months
Details As low as; Used 2016-2024 Year Models; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 5.50% → 5.70% ▲ 0.20 pts · high 5.70% / low 5.50% Oct 8, 20265.70%▲ from 5.50%* Oct 4, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Auto Loan	-	-	5.70%	72 Months
Details As low as*; 2025 + Newer Models; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Auto Loan	-	-	5.90%	72 Months
Details As low as; Used 2016-2024 Year Models; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 5.70% → 5.90% ▲ 0.20 pts · high 5.90% / low 5.70% Oct 8, 20265.90%▲ from 5.70%* Oct 4, 20265.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Auto Loan	-	-	6.25%	84 Months
Details As low as*; 2025 + Newer Models; 84 months available for $30,000 or greater; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Auto Loan	-	-	6.45%	84 Months
Details As low as; Used 2016-2024 Year Models; 84 months available for $30,000 or greater; Rate includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 6.25% → 6.45% ▲ 0.20 pts · high 6.45% / low 6.25% Oct 8, 20266.45%▲ from 6.25%* Oct 4, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
First Time Auto Buyer Loan	-	-	7.45%	36 Months
Details As low as*; 2025 + Newer Models; Rate includes an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.45% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
First Time Auto Buyer Loan	-	-	7.55%	36 Months
Details As low as; Used 2016-2024 Year Models; Rate includes an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.45% → 7.55% ▲ 0.10 pts · high 7.55% / low 7.45% Oct 8, 20267.55%▲ from 7.45%* Sep 16, 20267.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
First Time Auto Buyer Loan	-	-	7.90%	60 Months
Details As low as*; 2025 + Newer Models; Rate includes an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
First Time Auto Buyer Loan	-	-	8.10%	60 Months
Details As low as; Used 2016-2024 Year Models; Rate includes an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.90% → 8.10% ▲ 0.20 pts · high 8.10% / low 7.90% Oct 8, 20268.10%▲ from 7.90%* Sep 16, 20267.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
First Time Auto Buyer Loan	-	-	8.10%	72 Months
Details As low as*; 2025 + Newer Models; Rate includes an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.10% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
First Time Auto Buyer Loan	-	-	8.30%	72 Months
Details As low as; Used 2016-2024 Year Models; Rate includes an additional discount of 0.25%, which may be applied to New and Used Gen Start Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 09/23/2026. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.10% → 8.30% ▲ 0.20 pts · high 8.30% / low 8.10% Oct 8, 20268.30%▲ from 8.10%* Sep 16, 20268.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV & Jet Ski Loan	-	6.64%	Up to 60 Months
Details As low as*; 2025 + Newer Models; Rate listed includes a discount of 0.25%, which may be applied to a new ATV or Jet Ski Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Motorcycle Loan	-	6.64%	60 Months
Details As low as*; 2025 + Newer Models; Rate includes a discount of 0.25%, which may be applied to a new Motorcycle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	6.64%	Up to 60 Months
Details As low as*; 2025 + Newer Models; Rate listed includes a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Used ATV & Jet Ski Loan	-	6.64%	Up to 36 Months
Details As low as*; 2016 to 2024 Year Models; Rate listed includes a discount of 0.25%, which may be applied to a new ATV or Jet Ski Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Used Recreational Vehicle Loan	-	6.64%	37 to 60 Months
Details As low as*; 2016 to 2024 Year Models; Rate listed reflects a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at the time of closing. Effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Motorcycle Loan	-	7.14%	72 Months
Details As low as*; 2025 + Newer Models; Rate includes a discount of 0.25%, which may be applied to a new Motorcycle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	7.14%	61 to 84 Months
Details As low as*; 2025 + Newer Models; Rate listed includes a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Used Recreational Vehicle Loan	-	7.14%	61 to 84 Months
Details As low as*; 2016 to 2024 Year Models; Rate listed reflects a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at the time of closing. Effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Recreational Vehicle Loan	-	8.00%	85 to 120 Months
Details As low as*; 2025 + Newer Models; Rate listed includes a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. APR is effective as of 09/23/2026. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	11.50%
Details As Low As*; Rates are effective as of 09/23/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Generations Rewards Credit Card	-	16.25%
Details As Low As*; Rates are effective as of 09/23/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 16.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Generations Rewards Visa Signature	-	16.25%
Details As Low As*; Rates are effective as of 09/23/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 16.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal & Unsecured Loan	9.99%	Up to 36 months
Details As Low As; Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Not all loans will qualify for the 90-day payment deferral. The refinancing of an existing GFCU loan is not eligible for the automatic payment discount. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74% Sep 25, 20269.99%▲ from 9.74% Sep 16, 20269.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Personal & Unsecured Loan	10.74%	37 to 60 months
Details Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Not all loans will qualify for the 90-day payment deferral. The refinancing of an existing GFCU loan is not eligible for the automatic payment discount. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 10.40% → 10.74% ▲ 0.34 pts · high 10.74% / low 10.40% Sep 25, 202610.74%▲ from 10.40% Sep 16, 202610.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Generations Rewards Visa Signature	16.25%
Details As Low As*; Rates are effective as of 09/23/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 16.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

Generations Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Instant Funding Loan	-	-	9.99%	Up to 36 months
Details As Low As; Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74% Sep 25, 20269.99%▲ from 9.74% Sep 16, 20269.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%
Line of Credit	-	-	11.50%
Details As Low As*; Rates are effective as of 09/23/2026. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type. All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.40%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Generations Community Federal Credit Union’s Texas Ratio rose from 4.98% in Q3 2023 to 6.40% 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	$735M	6.40%	5.0	A
March 31, 2026	$750M	4.94%	5.0	A+
December 31, 2025	$739M	6.10%	5.0	A
September 30, 2025	$745M	5.60%	5.0	A+
June 30, 2025	$747M	5.59%	5.0	A+
March 31, 2025	$738M	4.60%	5.0	A+
December 31, 2024	$744M	6.52%	5.0	A
September 30, 2024	$759M	5.93%	5.0	A+
June 30, 2024	$769M	4.78%	5.0	A+
March 31, 2024	$758M	4.43%	5.0	A+
December 31, 2023	$756M	5.26%	5.0	A+
September 30, 2023	$785M	4.98%	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 Generations Community 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 Generations Community 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 Generations Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Generations Community Federal Credit Union

Website https://www.mygenfcu.org

Address 1100 NW Loop 410, San Antonio, TX 78213

Phone 210-229-1800

Fax

President Veronica Godley

CEO Rick Divina

Full-Time Employees 165

Part-Time Employees 2

Branch Locations 7

ATM Locations 7

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

6.40%

Return on Assets (ROA)

0.1882%

Return on Equity (ROE)

2.0241%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

734,613,780

Total Amount of Shares and Deposits

617,117,036

Total Shares and Deposits < 1 Year

543,475,642

Total Shares and Deposits 1 3 Years

61,096,873

Total Shares and Deposits > 3 Years

12,544,521

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

47,667,037

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

47,667,037

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

569,449,999

Total Interest Expense (Sum of items 6 8)

6,871,709

Share Certificates

4,032

Number of Accounts for Share Drafts

32,710

IRA KEOGH Accounts

1,166

Number of Accounts for Regular Shares

51,986

All other shares

2,500

Non Member Deposits

135

Money Market Shares

2,508

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

1,382,287

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)

43,412,349

Total Liabilities

671,889,142

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Generations Community Federal Credit Union earned the Verified Healthy badge

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

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Generations Community Federal Credit Union

How many branches does Generations Community Federal Credit Union operate?

Generations Community 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 Generations Community Federal Credit Union?

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

Does Generations Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Generations Community 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.mygenfcu.org.

Current Generations Community Federal Credit Union Rates

12-Month CD3.00%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.35%
Savings1.51%
MMA0.35%

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

Compare to Other Credit Unions

Generations Community Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Generations Community Federal Credit Union Texas Ratio

Generations Community Federal Credit Union Health Trend

Generations Community Federal Credit Union CD Rates

Generations Community Federal Credit Union Savings Rates

Generations Community Federal Credit Union Money Market Rates

Generations Community Federal Credit Union Checking Rates

Generations Community Federal Credit Union Home Equity & HELOC

Generations Community Federal Credit Union Auto Loan Rates

Generations Community Federal Credit Union RV, Boat and Powersport Loan Rates

Generations Community Federal Credit Union Credit Card Rates

Generations Community Federal Credit Union Personal Loan Rates

Generations Community Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Generations Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Generations Community Federal Credit Union

How many branches does Generations Community Federal Credit Union operate?

Is a member application needed to join Generations Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Generations Community Federal Credit Union offer online and mobile banking?

Current Generations Community Federal Credit Union Rates

Compare to Other Credit Unions