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GENCO Federal Credit Union


Overview / Commentary
www.gencofcu.org
254-776-9550
731 N Valley Mills Dr
Waco, TX 76710-4848

GENCO Federal Credit Union is headquartered in Waco and is the 66th largest credit union in the state of Texas. It is also the 802nd largest credit union in the nation. It was established in 1953 and as of December of 2019, it had grown to 92 employees and 39,264 members at 5 locations. GENCO Federal Credit Union's money market rates are 14% 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.
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Health
A+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #8585
Year Chartered1953
Employees92
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.62%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$317.9MM$302.8MM
LoansQ4 2019vs Q4 2018$225.9MM$212.9MM
DepositsQ4 2019vs Q4 2018$277.5MM$264.8MM
Equity CapitalQ4 2019vs Q4 2018$39.3MM$37.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.0MM$1.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$676.00K$669.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$50k*-IRA Accumulator Account
OTHER TIERS: 0.35% → $25 - $5k | 0.45% → $5k - $20k | 0.50% → $20k - $50k
0.20%*$2.5k*-Share (Savings) Account
OTHER TIERS: 0.15% → $100 - $2.5k
0.20%$5-Christmas Club Account
0.20%*$100*-Savings Safari Club Account
OTHER TIERS: 0.10% → Up to $100

GENCO Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Money Market Account
OTHER TIERS: 0.20% → $100 - $2.5k | 0.30% → $2.5k - $5k | 0.35% → $5k - $20k | 0.40% → $20k - $50k | 0.45% → $50k - $100k

GENCO Federal Credit Union Checking Account Rates

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

GENCO Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$1k-60 Month Term Share Certificate
1.26%$1k-48 Month Term Share Certificate
1.05%$1k-36 Month Term Share Certificate
0.95%$1k-24 Month Term Share Certificate
0.70%$1k-12 Month Term Share Certificate
0.40%$10k-6 Month Term Share Certificate

GENCO Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$50k*-60 Month IRA Certificate
OTHER TIERS: 1.41% → $1k - $10k | 1.46% → $10k - $25k | 1.51% → $25k - $50k
1.41%*$50k*-48 Month IRA Certificate
OTHER TIERS: 1.26% → $1k - $10k | 1.31% → $10k - $25k | 1.36% → $25k - $50k
1.21%*$50k*-36 Month IRA Certificate
OTHER TIERS: 1.05% → $1k - $10k | 1.10% → $10k - $25k | 1.15% → $25k - $50k
1.10%*$50k*-24 Month IRA Certificate
OTHER TIERS: 0.95% → $1k - $10k | 1.01% → $10k - $25k | 1.06% → $25k - $50k
0.85%*$50k*-12 Month IRA Certificate
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $25k | 0.80% → $25k - $50k
0.55%*$50k*-6 Month IRA Certificate
OTHER TIERS: 0.40% → $1k - $10k | 0.45% → $10k - $25k | 0.50% → $25k - $50k
Locations


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

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