Generations Federal Credit Union

Generations Federal Credit Union Locations

123 N Medina St
San Antonio, TX 78207-3021
210-229-1800
www.mygenfcu.org

NCUA

OverView
Rates
Health
Reviews

Generations Federal Credit Union is headquartered in SAN ANTONIO and is the 43^rd largest credit union in the state of Texas. It is also the 510^st largest credit union in the nation. It was established in 1940 and as of December of 2012, it had grown to 176 employees and 46,613 members. Generations Federal Credit Union has a 5-star health rating.

Generations Federal Credit Union Routing Number: 314088572

Mid-Term CD Rate Special at Generations FCU in San Antonio, Texas - 10/26/2012

Generations Federal Credit Union is offering a promotional certificate with a very competitive rate. It has a 1.50% APY for terms of 18 to 21 months. This is shown in the credit union's offers page as ...

One Year CD Yield as High as 4.40% at Generations FCU in Texas - 12/16/2008

Update 12/19/08: The CD rates have fallen. Please check the credit union's website for the latest rates.Generations FCU continues to offer competitive CD rates. The best rates are on its Jumbo Term Share Certificates. These include a 4.10% APY 6-month...

4.40% 12-Month / 4.10% 6-Month Jumbo CDs at Generations FCU in Texas - 10/28/2008

Generations FCU is offering some attractive short-term CD rates. The best rates are on its Jumbo Term Share Certificates. These include a 4.10% APY 6-month CD, a 4.40% APY 12-month CD, and a 4.50% APY 24-month CD. These require a minimum deposit of...

6.00% 6-Month CD at a San Antonio CU (Generations). - 3/11/2008

Update 3/15/08: The special CD is no longer listed at the credit union's website.generations community federal credit union is celebrating the change of its name from San Antonio City Employees FCU to generations community FCU by offering a special 6.00%...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Generations Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$1,500	-	My Checking

Generations Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Variable IRA Savings
0.50%	-	-	Variable Roth IRA Savings
0.50%	-	-	Variable SEP IRA Savings
0.50%	-	-	Variable Coverdell Education Savings Account
0.25%	-	-	Special Share
0.25%	-	-	Christmas Club
0.25%	-	-	Vacation Club
0.25%	-	-	Regular Share
0.20%	-	-	Basic Savings

Generations Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$25k	-	Money Market

Generations Federal Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month Regular Term Share Certificate
1.15%	$100k	-	36 Month Jumbo Term Share Certificate
1.05%	$1k	-	36 Month Regular Term Share Certificate
1.00%	$100k	-	24 Month Jumbo Term Share Certificate
0.90%	$1k	-	24 Month Regular Term Share Certificate
0.75%	$100k	-	12 Month Jumbo Term Share Certificate
0.60%	$1k	-	12 Month Regular Term Share Certificate
0.50%	$100k	-	6 Month Jumbo Term Share Certificate
0.40%	$1k	-	6 Month Regular Term Share Certificate
0.30%	$100k	-	3 Month Jumbo Term Share Certificate
0.25%	$30k	-	3 Month Mini Jumbo Term Share Certificate

Generations Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$250	-	60 Month IRA Term Share Certificate
1.50%	$250	-	60 Month Roth IRA Term Share Certificate
1.50%	$250	-	60 Month SEP Term Share Certificate
1.50%	$250	-	60 Month CESA Term Share Certificate
1.05%	$250	-	36 Month IRA Term Share Certificate
1.05%	$250	-	36 Month Roth IRA Term Share Certificate
1.05%	$250	-	36 Month SEP Term Share Certificate
1.05%	$250	-	36 Month CESA Term Share Certificate
0.90%	$250	-	24 Month IRA Term Share Certificate
0.90%	$250	-	24 Month Roth IRA Term Share Certificate
0.90%	$250	-	24 Month SEP Term Share Certificate
0.90%	$250	-	24 Month CESA Term Share Certificate
0.65%	$250	-	18 Month CESA Term Share Certificate
0.65%	$250	-	18 Month IRA Term Share Certificate
0.65%	$250	-	18 Month Roth IRA Term Share Certificate
0.65%	$250	-	18 Month SEP Term Share Certificate
0.60%	$250	-	12 Month IRA Term Share Certificate
0.60%	$250	-	12 Month Roth IRA Term Share Certificate
0.60%	$250	-	12 Month SEP Term Share Certificate
0.60%	$250	-	12 Month CESA Term Share Certificate

Rates updated: 5/22/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

GENERATIONS COMMUNITY
NCUA #	4015
BankRate Report	View
Year Chartered	1940
Employees	176
Primary Regulator
Assets and Liabilities
Assets	$404.05 million
Loans	$268.63 million
Deposits	$356.53 million
Equity Capital	$42.97 million
Loan Loss Allowance	$3.94 million
Unbacked Noncurrent Loans	$2.23 million
Real Estate Owned	$113,000
Historic Data - December 2011
Assets	$384.60 million
Equity Capital	$42.84 million
Loan Loss Allowance	$3.90 million
Unbacked Noncurrent Loans	$3.24 million
Profit Margin - Quarterly
Net Interest Margin	5.9%
Return on Assets	0.32%
Return on Equity	3.04%
Interest Income	$20.86 million
Non-Interest Income	$8.18 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Generations Federal Credit Union had $2.34 million in non-current loans and owned real-estate with $46.91 million in equity and loan loss allowances on hand to cover it. This gives Generations Federal Credit Union a Texas Ratio of 4.99% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Generations Federal Credit Union decreased slightly from 6.93% as of December 31, 2011 to 4.99% as of December 31, 2012, resulting in a positive change of 27.92%.This indicates that the balance sheet and financial strength for Generations Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Generations Federal Credit Union has increased its total deposits by $19.29 million, resulting in 5.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Generations Federal Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Generations Federal Credit Union has $404.05 million in assets with $46.91 million in equity, resulting in a capitalization level of 11.61%, which is above average.