Generations Federal Credit Union


Overview / Commentary
210-229-1128
9311 San Pedro Ave Ste 1100
San Antonio, TX 78216

Generations Federal Credit Union is headquartered in San Antonio and is the 47th largest credit union in the state of Texas. It is also the 552nd largest credit union in the nation. It was established in 1940 and as of December of 2020, it had grown to 177 employees and 48,097 members at 13 locations. Generations Federal Credit Union's savings rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Generations Federal Credit Union is open to anyone who lives, works, worships, volunteers, attends school, or owns a business in the Texas counties of Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, and/or Wilson. In addition, immediate family members of current GFCU members are also eligible for membership.
See current membership details

Reviews (3)

GEFCU Is A Cut Above the Rest

Posted by: |

I remember when I was with Generations Federal Credit Union. I had never worked with a credit union before as opposed to a traditional bank so I didn't know what to expect. For one, the customer service is excellent. It's a cut above regular banks. Everyone from customer service representatives on the phone to the tellers in the bank lobby and drive thru are extremely helpful. Credit Unions also offer a variety of different options for how you would like your money deposited, as well as fees that are affordable and fit my budget. I'd heard about Generations from my best friend who was using them at the time and she raved about them. Since I was already dissatisfied with my then bank Wells Fargo, I decided to give Generations a try. It was well worth the plunge and I would and have recommended them to anyone looking to change their bank and have a new experience and a wider base of options where their finances are concerned.

Fantastic 14 Mo CD, 1.60% $100K, 1.50% Less Than $100K

Posted by: |

Easy online membership. Reps very helpful.
I filled out the online application and got an e-mail reply within a couple days. Savings acct requires $5.00 to open.

Small In Assets And Not Growing

Posted by: |

Not able to offer you a lot of credit based on their size and their online access now has you login in to another site (external) in order to view your credit card.



Health
B+

Health Grade Components

Overall
NCUA #4015
Year Chartered1940
Employees177
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.95%
Annual Interest Income$21.6MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$627.5MM$551.8MM
LoansQ4 2020vs Q4 2019$448.1MM$366.2MM
DepositsQ4 2020vs Q4 2019$569.0MM$491.6MM
Equity CapitalQ4 2020vs Q4 2019$48.5MM$47.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.7MM$3.9MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$3.5MM$2.9MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Generations Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Generations Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*-$5kPreferred Savings Account -New Money
OTHER TIERS: 0.45% $80k+ | 0.50% $20k - $80k | 0.60% $10k - $20k | 1.00% $5k - $10k
0.05%$5-Share Savings
0.05%$5-Christmas Club
0.05%$5-Vacation Club

Generations Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Money Market
OTHER TIERS: 0.25% $2k - $25k | 0.30% $25k - $50k
0.35%*$50k*-Business Money Market
OTHER TIERS: 0.25% $2k - $25k | 0.30% $25k - $50k

Generations Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1.5k-My Advantage Checking

Generations Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$100k-60 Month Jumbo Regular Term Share Certificate
0.70%$100k-Business 60 Month Jumbo Term Share Certificate
0.65%$1k-60 Month Regular Term Share Certificate
0.65%$1k-Business 60 Month Term Share Certificate
0.65%$100k-48 Month Jumbo Term Share Certificate
0.65%$100k-Business 48 Month Jumbo Term Share Certificate
0.60%$100k-36 Month Jumbo Term Share Certificate
0.60%$100k-Business 36 Month Jumbo Term Share Certificate
0.60%$1k-48 Month Regular Term Share Certificate
0.60%$1k-Business 48 Month Term Share Certificate
0.55%$1k-36 Month Regular Term Share Certificate
0.55%$100k-24 Month Jumbo Term Share Certificate
0.55%$1k-Business 36 Month Term Share Certificate
0.55%$100k-Business 24 Month Jumbo Term Share Certificate
0.50%$1k-24 Month Regular Term Share Certificate
0.50%$1k-Business 24 Month Term Share Certificate
0.45%$100k-18 Month Jumbo Term Share Certificate
0.45%$1k-18 Month Regular Term Share Certificate
0.45%$100k-Business 18 Month Jumbo Term Share Certificate
0.45%$1k-Business 18 Month Term Share Certificate
0.40%$100k-12 Month Jumbo Term Share Certificate
0.40%$100k-Business 12 Month Jumbo Term Share Certificate
0.35%$1k-12 Month Regular Term Share Certificate
0.35%$1k-Business 12 Month Term Share Certificate
0.25%$100k-6 Month Jumbo Term Share Certificate
0.25%$100k-Business 6 Month Jumbo Term Share Certificate
0.20%$1k-6 Month Regular Term Share Certificate
0.20%$1k-Business 6 Month Term Share Certificate

Generations Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$250-60 Month IRA Term Share Certificate
0.60%$250-48 Month IRA Term Share Certificate
0.55%$250-36 Month IRA Term Share Certificate
0.50%$250-24 Month IRA Term Share Certificate
0.45%$250-18 Month IRA Term Share Certificate
0.35%$250-12 Month IRA Term Share Certificate
Locations

Availability



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