Overview / Commentary
10485 Reading Rd
Cincinnati, OH 45241-2523

To benefit the employees of General Electric Aircraft Engines, General Electric Credit Union (GECU) was chartered in 1954. In the 1980s, GECU expanded its field of membership to include several Select Employer Groups (SEGs). Today, the credit union serves over 160,000 members – primarily in Ohio, Kentucky, and Indiana. At the time of this writing, funds deposited with GECU are insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF).

GECU members have convenient and secure access to funds through online and mobile banking options. Electronic statements, ATM access, and bill pay options are also available.

General Electric Credit Union offers its members a suite of financial products and services, including the following personal depository banking products: savings accounts, Health Savings Accounts (HSAs), money market accounts, checking accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs). Although basic savings account is required for membership, holiday and vacation “club” accounts are available as well. The credit union’s money market account offers higher, tiered interest rates – depending upon the account balance. GECU offers Traditional, Roth, and Educational IRA products, and its share certificates (CDs) range in terms from 182 days to 5 years, with IRAs and HSAs available as certificates.

As for business deposit account products, General Electric Credit Union provides a business savings account (required for membership), two business checking account options, a business money market account, and business share certificates (CDs).

Field of Membership Restrictions

Membership in General Electric Credit Union is open to the following: (1) those who live, work, attend school or worship in Adams, Brown, Butler, Clark, Clermont, Clinton, Darke, Fayette, Greene, Hamilton, Highland, Miami, Montgomery, Preble, Shelby, and Warren Counties in Ohio; (2) those who live, work, attend school or worship in Boone, Campbell, Grant, Kenton, and Pendleton Counties in Kentucky; (3) those who live, work, attend school or worship in Dearborn, Franklin, Ohio, Switzerland, and Union Counties in Indiana; (4) employees and retirees of General Electric Company Aircraft Engine Division or General Electric Company in the Greater Cincinnati area; (5) employees and students of Kings Local Schools, Loveland City Schools, and Mason City Schools and their families; (6) parishioners of All Saints Church, Assumption Catholic Parish, Crestview Presbyterian Church, and select congregations; (7) employees of TriHealth, Mercy Health, and over 300 other Select Employer Groups.
See current membership details

Related Posts

Decent Rates From General Electric Credit Union If You Don't Want To Invest In A CD - 3/11/2019

Thrive money market APY 2.5% for amounts over 25k. IRA money market APY 2.5% over 25k and the Amplified money market was changed to Amplified high yield checking 2.56% (variable rate changes every Tuesday) for over 250k and 2.82% for balances over 1M. https://www.gecreditunion.org/home/accounts/deposit-rates

General Electric Credit Union Has 19-Month CD Special, 3.20% APY - 3/2/2019

Now through 3/29/2019, General Electric Credit Union is offering a 19-month Share Certificate Special (3.20% APY). Minimum deposit is $500 of new money.

General Electric Credit Union Ups 2-Year Jumbo CD - 9/24/2018

General Electric Credit Union (OH/KY/IN) has raised the rate on its 2-year Jumbo Certificate Special to 3.00% APY. Min deposit is $500 with no stated balance cap.

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Lacks Customer Service After Hours

Overall, this credit union has been great for my family. However, there was a mix up a few years back on out of state spending. My family and I had gone to Tennessee for vacation, prior to leaving, as requested, we told the bank we would be using the bank card out of state from a certain date to a certain date and to take the hold off the card for spending money and out of state requirements. We got to our hotel and everything went just fine for the entire weekend until the final day, a Sunday. On Sunday we went to check out of the hotel and our card was declined. I checked our account and we had plenty of money to cover the bill and even more for spending the rest of the day. I called the number on the back of the card AND THEY ARE CLOSED ON SUNDAYS. So, here we were 5 1/2 hours from home, barely any gas and a card that wouldn't work because the hold on funds and out of state had not properly been done per our request and form filled out. We were able to use a credit card to get what we needed to get done, but this bank should have after hours customer care and should be very careful to complete customer requests in order to not leave them stranded high and dry.

Absolutely Terrible Customer Service

Posted by: linds2047 | Jul 7, 2017

I don't normally write business reviews but with the experiences I've had with General Electric Credit Union's customer service, I felt compelled.

First , I should say that they have provided me with the lowest car loan payment rates the last two times I purchased a car . Unfortunately, that is the only positive thing I can say for them .

I have had multiple issues with logging into my online bill pay . This forced me to have to call them directly. Each time I have to call them I dread it ! I have learned that It is best to wait for a time to call when I have absolutely nothing else to do that day, since I am on hold a minimum of 10 minutes. One time I hung up at the 20 minute marker . Once they do answer, I usually end up with some very unfriendly representatives , which is exactly what you want to deal with after being on hold that long . I believe I had one that was polite once ( out of at least 8 I spoke with ).

All in all the rates are good but they need to work really hard on improving their customer service . It's bad enough that this will be the last time we use them.

Horrible Customer Service If Calling In

Posted by: brownja1 | Feb 3, 2012

I recently lost my vehicle to a head-on collision where the other party was 100% at fault.  Every time I have called GECU it takes more than 6 minutes to answer a call, and I'm usually on the phone for about 20 minutes if I have a question, with only a few minutes actually spent talking to someone.  They refused to delay payments or stop interest. They don't have a branch close to me, so not sure why the dealership picked them.  They refuse to make a simple note to state that additional principal payments were to be applied to the rediculous $175 loan/application fee.  I will never have another account with them and will gladly pay a higher interest rate on future vehicle loans to avoid GECU.

GE Credit union

GE Credit union is a great local bank for anyone that is living in Cincinnati. The interest rates that you receive for your accounts is significantly greater than that of the major banks. The interest rate for my savings account was about five times higher than that of Bank of America. The branch location that we use is very close to where I live. I have never been to this bank when there has been a long line. I don't know if I am just lucky or if they work so fast that there is never a line. It is also very easy to open new accounts and receive new cards if you ever lose one. They have a very friendly staff and they are very prompt in answering any question that you might have. I would highly recommend GE credit union to anyone that is living in the Cincinnati area and does not want to open an account at one of the larger banks in the country.



Health Grade Components

NCUA #68574
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD5.06%
Annual Interest Income$98.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$3.04B$2.80B
LoansQ4 2018vs Q4 2017$2.64B$2.53B
DepositsQ4 2018vs Q4 2017$2.74B$2.50B
Equity CapitalQ4 2018vs Q4 2017$279.9MM$266.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$18.1MM$20.0MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$14.9MM$24.0MM
Real Estate OwnedQ4 2018vs Q4 2017$72.00K$72.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Decent Rates From General Electric Credit Union If You Don't Want To Invest In A CD

aaflygirl   |  
Thrive money market APY 2.5% for amounts over 25k. IRA money market APY 2.5% over 25k and the Amplified money market was changed to Amplified high yield checking 2.56% (variable rate changes every Tuesday) for over 250k and 2.82% for balances over 1M.


Rates for General Electric Credit Union are currently being reviewed.



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