GENCO Federal Credit Union Reviews and Rates

GENCO Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 66^th largest credit union in the state of Texas. It is also the 784^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 90 employees and 39,009 members at 5 locations. GENCO Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in GENCO Federal Credit Union is open to those who live or work in McLennan or Angelina Counties, Texas.
See current membership details

Reviews

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8585
Year Chartered	1953
Employees	90
Primary Regulator

Profit Margin
Return on Assets - YTD	1.72%
Return on Equity - YTD	13.02%
Annual Interest Income	$5.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$464.8MM$439.1MM
Loans	Q1 2025vs Q1 2024	$220.6MM$225.2MM
Deposits	Q1 2025vs Q1 2024	$402.3MM$385.2MM
Equity Capital	Q1 2025vs Q1 2024	$60.3MM$52.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$1.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$461K$596K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for GENCO Federal Credit Union.

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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