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GENCO Federal Credit Union

Popular Accounts at this Credit Union

1.00%Reward CheckingAdvantage Checking
2.02%5-year CD60 Month Term Share Certificate
1.26%1-year CD12 Month Term Share Certificate

Overview / Commentary
731 N Valley Mills Dr
Waco, TX 76710-4848

GENCO Federal Credit Union is headquartered in Waco and is the 69th largest credit union in the state of Texas. It is also the 801st largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 89 employees and 37,354 members at 5 locations. GENCO Federal Credit Union's CD rates are 40% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in McLennan or Angelina counties in Texas.
See current membership details

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Health Grade Components

NCUA #8585
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD4.28%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$291.3MM$279.8MM
LoansQ4 2017vs Q4 2016$191.6MM$178.5MM
DepositsQ4 2017vs Q4 2016$255.9MM$245.9MM
Equity CapitalQ4 2017vs Q4 2016$35.1MM$33.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$996.00K$910.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$952.00K$757.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$29.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

GENCO Federal Credit Union Savings Account Rates

0.55%*$50k*-IRA Accumulator Account
OTHER TIERS: 0.35% $25 - $5k | 0.45% $5k - $20k | 0.50% $20k - $50k
0.35%*$5k*-Share (Savings) Account
OTHER TIERS: 0.15% Up to $2,500 | 0.25% $2,500 - $5k
0.35%--Christmas Club Account
0.35%*$100*-Savings Safari Club Account
OTHER TIERS: 0.10% Up to $100

GENCO Federal Credit Union Money Market Rates

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.20% $100 - $2,500 | 0.30% $2,500 - $5k | 0.35% $5k - $20k | 0.40% $20k - $50k | 0.45% $50k - $100k

GENCO Federal Credit Union Checking Account Rates

1.50%*-$10kGENCO Kasasa Cash
OTHER TIERS: 0.25% $10k+
1.00%*-$25kAdvantage Checking
OTHER TIERS: 0.40% $25k+
0.10%$100-First Class Checking
0.10%$100-Senior Checking
0.10%$100-Business Checking

GENCO Federal Credit Union CD Rates

2.02%$1k-60 Month Term Share Certificate
1.76%$1k-48 Month Term Share Certificate
1.61%$1k-36 Month Term Share Certificate
1.51%$1k-27 Month Term Share Certificate Special
1.41%$1k-16 Month Term Share Certificate Special
1.36%$1k-24 Month Term Share Certificate
1.26%$1k-12 Month Term Share Certificate
0.65%$10k-6 Month Term Share Certificate

GENCO Federal Credit Union IRA Rates

2.17%*$50k*-60 Month IRA Certificate
OTHER TIERS: 2.02% $1k - $10k | 2.07% $10k - $25k | 2.12% $25k - $50k
1.91%*$50k*-48 Month IRA Certificate
OTHER TIERS: 1.76% $1k - $10k | 1.81% $10k - $25k | 1.86% $25k - $50k
1.76%*$50k*-36 Month IRA Certificate
OTHER TIERS: 1.61% $1k - $10k | 1.66% $10k - $25k | 1.71% $25k - $50k
1.51%*$50k*-24 Month IRA Certificate
OTHER TIERS: 1.36% $1k - $10k | 1.41% $10k - $25k | 1.46% $25k - $50k
1.41%*$50k*-12 Month IRA Certificate
OTHER TIERS: 1.26% $1k - $10k | 1.31% $10k - $25k | 1.36% $25k - $50k
0.80%*$50k*-6 Month IRA Certificate
OTHER TIERS: 0.65% $1k - $10k | 0.70% $10k - $25k | 0.75% $25k - $50k

GENCO Federal Credit Union Locations
Branch Office1402 S John Redditt DrLufkin, TX 75904-4826
Branch Office105 Archway DrWoodway, TX 76712-6104
Branch Office1500 N Loop 340Waco, TX 76705-2494
Branch Office230 N Frontage RdLorena, TX 76655
Branch Office731 N Valley Mills DrWaco, TX 76710-4848