GENCO Federal Credit Union

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CURRENT TOP RATE

60 Month IRA Certificate (Traditional, Roth, CESA)

Overview / Commentary

www.gencofcu.org

254-776-9550

731 N Valley Mills Dr
Waco, TX 76710

GENCO Federal Credit Union is headquartered in Waco and is the 67^th largest credit union in the state of Texas. It is also the 782^nd largest credit union in the nation. It was established in 1953 and as of June of 2022, it had grown to 87 employees and 40,978 members at 5 locations. GENCO Federal Credit Union's CD rates are 3X 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.
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Related Posts

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2009

10/15 - 3.51% Reward Checking Account at GENCO FCU in Texas - Local Only

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Health

A+

Data as of Q2 2022

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Health Grade Components

Overall
NCUA #	8585
Year Chartered	1953
Employees	87
Primary Regulator

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	7.89%
Annual Interest Income	$5.0MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$429.6MM$399.2MM
Loans	Q2 2022vs Q2 2021	$227.9MM$230.5MM
Deposits	Q2 2022vs Q2 2021	$381.9MM$354.0MM
Equity Capital	Q2 2022vs Q2 2021	$46.0MM$43.3MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$794.00K$917.00K
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$325.00K$324.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$50k^*	-	IRA Accumulator Account
OTHER TIERS: 0.40% → $25 - $5k \| 0.50% → $5k - $20k \| 0.60% → $20k - $50k
0.25%^*	$5k^*	-	Share (Savings) Account
OTHER TIERS: 0.15% → $100 - $2.5k \| 0.20% → $2.5k - $5k
0.25%	$5	-	Christmas Club Account
0.25%^*	$100^*	-	Savings Safari Club Account
OTHER TIERS: 0.15% → Up to $100

GENCO Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.15% → $100 - $2.5k \| 0.55% → $2.5k - $5k \| 0.65% → $5k - $20k \| 0.75% → $20k - $50k \| 0.85% → $50k - $100k

GENCO Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%^*	-	$10k	GENCO Kasasa Cash
OTHER TIERS: 0.50% → $10k+
1.25%^*	-	$25k	Advantage Checking
OTHER TIERS: 0.50% → $25k+
0.10%	$100	-	First Class Checking
0.10%	$100	-	Senior Checking
0.10%	$100	-	Business Checking

GENCO Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.35%	$1k	-	60 Month Term Share Certificate
3.20%	$1k	-	48 Month Term Share Certificate
3.10%	$1k	-	36 Month Term Share Certificate
3.00%	$1k	-	24 Month Term Share Certificate
2.75%	$1k	-	12 Month Term Share Certificate
1.85%	$10k	-	6 Month Term Share Certificate

GENCO Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.50%^*	$50k^*	-	60 Month IRA Certificate
OTHER TIERS: 3.35% → $1k - $10k \| 3.40% → $10k - $25k \| 3.45% → $25k - $50k
3.35%^*	$50k^*	-	48 Month IRA Certificate
OTHER TIERS: 3.20% → $1k - $10k \| 3.25% → $10k - $25k \| 3.30% → $25k - $50k
3.25%^*	$50k^*	-	36 Month IRA Certificate
OTHER TIERS: 3.10% → $1k - $10k \| 3.15% → $10k - $25k \| 3.20% → $25k - $50k
3.15%^*	$50k^*	-	24 Month IRA Certificate
OTHER TIERS: 3.00% → $1k - $10k \| 3.05% → $10k - $25k \| 3.10% → $25k - $50k
2.90%^*	$50k^*	-	12 Month IRA Certificate
OTHER TIERS: 2.75% → $1k - $10k \| 2.80% → $10k - $25k \| 2.85% → $25k - $50k
2.00%^*	$50k^*	-	6 Month IRA Certificate
OTHER TIERS: 1.85% → $1k - $10k \| 1.90% → $10k - $25k \| 1.95% → $25k - $50k

Locations

GENCO Federal Credit Union Locations
Branch Office	1402 S John Redditt Dr	Lufkin, TX 75904-4826
Branch Office	105 Archway Dr	Woodway, TX 76712-6104
Branch Office	1500 N Loop 340	Waco, TX 76705-2494
Branch Office	230 N Frontage Rd	Lorena, TX 76655
Branch Office	731 N Valley Mills Dr	Waco, TX 76710-4848

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