--- title: "Genco Credit Union Rates (Nov 2026): CDs to 3.90%, Mortgage 6.03%" description: "Genco Credit Union rates today: 30 year fixed mortgage 6.03% APR, savings & CDs up to 3.90% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Genco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/genco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Genco Credit Union Rates (Nov 2026): CDs to 3.90%, Mortgage 6.03% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.029% APR | 5.750% | — | Standard | Genco Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Vehicles (New & Used All Models)**** auto_any | — APR | 4.840% | any | Standard | | **Vehicles (New and Used) All Models**** auto_any_66mo | — APR | 4.940% | 66 mo · any | Standard | | **Vehicles (New and Used) All Models**** auto_any_72mo | — APR | 4.990% | 72 mo · any | Standard | Genco Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Personal Loan** personal_unsecured_60mo | — APR | 10.650% | 60 mo | Standard | | **Line of Credit (as low as)** ploc_variable | — APR | 10.900% | — | Standard | Genco Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 59 offers | Product | Published | Rate | Term / condition | Status | | **Savings Accounts (Advantage Checking - Non-qualifying accounts)** savings | — APY | 0.05% | — | Standard | | **Advantage Checking - Non-qualifying account** checking | — APY | 0.05% | — | Standard | | **First Class Checking $100 and up** checking | — APY | 0.10% | — | Standard | | **Savings Accounts (First Class Checking $100 and up)** savings | — APY | 0.10% | — | Standard | | **Share (savings) Account $100 to $2,499.99** savings | — APY | 0.25% | — | Standard | | **Savings Safari Club Account $0.01 to $99.99** savings | — APY | 0.25% | — | Specialty offer | | **Share (savings) Account up to $2,500 to $4,999.99** savings | — APY | 0.30% | — | Standard | | **Savings Safari Club Account $100+** savings | — APY | 0.35% | — | Specialty offer | | **Savings ($5,000+)** savings | — APY | 0.35% | — | Standard | | **Christmas Club Account** savings | — APY | 0.35% | — | Specialty offer | | **Money Market Account $100 to $2,499.99** money_market | — APY | 0.40% | — | Standard | | **Advantage Checking - Qualifying accounts $25,000.01 and over** checking | — APY | 0.75% | — | Standard | | **Savings Accounts (GENCO Kasasa Cash - Qualifying accounts up to $10,000.01 and over)** savings | — APY | 0.75% | — | Standard | | **Savings Accounts (Advantage Checking - Qualifying accounts $25,000.01 and over)** savings | — APY | 0.75% | — | Standard | | **Money Market Account $2,500 to $4,999.99** money_market | — APY | 1.09% | — | Standard | | **Money Market Account $5,000 to $19,999.99** money_market | — APY | 1.19% | — | Standard | | **IRA Accumulator Account $25 to $4,999.99** ira | — APY | 1.19% | — | Standard | | **IRA Accumulator Account $5,000 to $19,999.99** ira | — APY | 1.29% | — | Standard | | **Money Market Account $20,000 to $49,999.99** money_market | — APY | 1.29% | — | Standard | | **IRA Accumulator Account $20,000 to $49,999.99** ira | — APY | 1.39% | — | Standard | | **Money Market Account $50,000 to $99,999.99** money_market | — APY | 1.39% | — | Standard | | **Kasasa Cash** savings | — APY | 1.50% | — | Standard | | **IRA Accumulator Account $50,000+** ira | — APY | 1.54% | — | Standard | | **Money Market ($100,000+)** money_market | — APY | 1.54% | — | Standard | | **Savings Accounts (Advantage Checking - Qualifying accounts up to $25,000)** savings | — APY | 2.13% | — | Standard | | **Advantage Checking - Qualifying accounts up to $25,000** checking | — APY | 2.13% | — | Standard | | **6 Month IRA Certificate - $1,000 to $9,999.99** ira_cd_6mo | 3.25% APY | 3.22% | 6 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.25% APY | 3.22% | 6 mo | Standard | | **6 Month IRA Certificate - $10,000 to $24,999.99** ira_cd_6mo | 3.30% APY | 3.27% | 6 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.35% APY | 3.31% | 60 mo | Standard | | **60 Month IRA Certificate - $1,000 to $9,999.99** ira_cd_60mo | 3.35% APY | 3.31% | 60 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.35% APY | 3.31% | 36 mo | Standard | | **36 Month IRA Certificate - $1,000 to $9,999.99** ira_cd_36mo | 3.35% APY | 3.31% | 36 mo | Standard | | **48 Month IRA Certificate - $1,000 to $9,999.99** ira_cd_48mo | 3.35% APY | 3.31% | 48 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.35% APY | 3.31% | 48 mo | Standard | | **6-Month IRA Certificate ($25,000–$4,999,999)** ira_cd_6mo | 3.35% APY | 3.32% | 6 mo | Standard | | **60 Month IRA Certificate - $10,000 to $24,999.99** ira_cd_60mo | 3.40% APY | 3.36% | 60 mo | Standard | | **36 Month IRA Certificate - $10,000 to $24,999.99** ira_cd_36mo | 3.40% APY | 3.36% | 36 mo | Standard | | **48 Month IRA Certificate - $10,000 to $24,999.99** ira_cd_48mo | 3.40% APY | 3.36% | 48 mo | Standard | | **6-Month IRA Certificate ($50,000+)** ira_cd_6mo | 3.40% APY | 3.37% | 6 mo | Standard | | **60 Month IRA Certificate - $25,000 to $49,999.99** ira_cd_60mo | 3.45% APY | 3.41% | 60 mo | Standard | | **48 Month IRA Certificate - $25,000 to $49,999.99** ira_cd_48mo | 3.45% APY | 3.41% | 48 mo | Standard | | **36 Month IRA Certificate - $25,000 to $49,999.99** ira_cd_36mo | 3.45% APY | 3.41% | 36 mo | Standard | | **48-Month IRA Certificate ($50,000+)** ira_cd_48mo | 3.51% APY | 3.46% | 48 mo | Standard | | **36-Month IRA Certificate ($50,000+)** ira_cd_36mo | 3.51% APY | 3.46% | 36 mo | Standard | | **60-Month IRA Certificate ($50,000+)** ira_cd_60mo | 3.51% APY | 3.46% | 60 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.70% APY | 3.65% | 12 mo | Standard | | **12 Month IRA Certificate - $1,000 to $9,999.99** ira_cd_12mo | 3.70% APY | 3.65% | 12 mo | Standard | | **24 Month IRA Certificate - $1,000 to $9,999.99** ira_cd_24mo | 3.75% APY | 3.70% | 24 mo | Standard | | **12 Month IRA Certificate - $10,000 to $24,999.99** ira_cd_12mo | 3.75% APY | 3.70% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.75% APY | 3.70% | 24 mo | Standard | | **24 Month IRA Certificate - $10,000 to $24,999.99** ira_cd_24mo | 3.80% APY | 3.75% | 24 mo | Standard | | **12 Month IRA Certificate - $25,000 to $49,999.99** ira_cd_12mo | 3.80% APY | 3.75% | 12 mo | Standard | | **12-Month IRA Certificate ($50,000+)** ira_cd_12mo | 3.85% APY | 3.80% | 12 mo | Standard | | **24 Month IRA Certificate - $25,000 to $49,999.99** ira_cd_24mo | 3.85% APY | 3.80% | 24 mo | Standard | | **24-Month IRA Certificate ($50,000+)** ira_cd_24mo | 3.90% APY | 3.84% | 24 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 3.94% | 13 mo | Standard | | **Savings Accounts (GENCO Kasasa Cash - Qualifying accounts up to $10,000)** savings | — APY | 4.17% | — | Standard | | **KASASA Cash** savings | — APY | 4.25% | — | Context only | Genco Credit Union savings & cd rates as of November 12, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Consumer Loan Rates (60 Months)** other | — % | 5.250% | — | Standard | | **Consumer Loan Rates (61-120 Months)** other | — % | 5.750% | — | Standard | | **Consumer Loan Rates (121-180 Months)** other | — % | 5.990% | — | Standard | | **Consumer Loan Rates (181-240 Months)** other | — % | 6.490% | — | Standard | Genco Credit Union other rates as of November 12, 2026 As of November 12, 2026, Genco Credit Union offers a 30-year fixed mortgage at 6.029% APR. Savings and certificate yields up to 3.90% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/genco) , verified from [Genco Credit Union's official website](https://www.gencofcu.org/) Best product position **Better than the Texas median** 30-year fixed mortgage Gap to state best **61 bp** 61 bp from state best Vs. state median **85 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.03% | Better than the Texas median | 61 bp from state best | 85 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Genco Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=genco&state=texas&code=TX&name=Genco%20Credit%20Union) Loading branch locator… ## About Genco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 38.4K Assets $490.9M Founded 1953 Locations reported 5 NCUA charter 8585 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Educators** MAIN · WACO · TX · 76710-5589 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/educators) [**Members Choice of Central Texas** Main Branch · Waco · TX · 76710 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/members-choice-of-central-texas) [**Fontana** Data Systems of Texas · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/california/fontana) [**Kraftman** Bradford Scott · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/louisiana/kraftman) [**Mcmurrey** Sharetec · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/texas/mcmurrey) [**Pba** DATA SYSTEMS OF TEXAS · Waco · TX · 76710-1732 About 1.1 miles away](https://rateapi.dev/credit-unions/arkansas/pba) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Genco Credit Union Membership eligibility from Genco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Genco Credit Union's website. Check the membership page below to confirm whether you qualify. - Location mclennan, angelina — TX Verified from [Genco Credit Union's membership page](https://www.gencofcu.org/connect/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Genco Credit Union Geography 2 counties · Family 2 8 published paths to membership, last verified August 27, 2026, quoted from Genco Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Angelina County, TX - Mclennan County, TX “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Angelina County, TX; Mclennan County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, parent, sibling, stepchild, stepparent, grandchild, grandparent “Certain family members of GENCO members are also eligible to join. These include: spouses, children, parents, brothers and sisters, stepchildren and stepparents and your grandchildren and grandparents.” > [source ↗](https://www.gencofcu.org/connect/become-a-member) - Family member (spouse, child, parent, sibling, stepchild, stepparent, grandchild, grandparent) of a member - Family of a member spouse, child, parent, brothers and sisters, stepchildren, stepparents, grandchild, grandparent “Certain family members of GENCO members are also eligible to join. These include: spouses, children, parents, brothers and sisters, stepchildren and stepparents and your grandchildren and grandparents.” > [source ↗](https://www.gencofcu.org/connect/become-a-member) - Family member (spouse, child, parent, brothers and sisters, stepchildren, stepparents, grandchild, grandparent) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Genco Credit Union? Yes No ## Work at Genco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Genco Credit Union ranks against Texas peers. - See which AI assistants fetched Genco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=genco&state=texas&code=TX&name=Genco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Genco Credit Union offer? Genco Credit Union currently offers mortgage, Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Genco Credit Union rates updated? RateAPI verifies Genco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Genco Credit Union's rate data? Rate data is collected directly from Genco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Genco Credit Union's mortgage rate? As of November 12, 2026, Genco Credit Union offers a 30-year fixed mortgage at 6.029% APR. ### What is Genco Credit Union's best CD rate? As of November 12, 2026, Genco Credit Union offers savings and certificate (CD) yields up to 3.90% APY. ### Who can join Genco Credit Union? Genco Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 2 counties for Genco Credit Union, each quoted from Genco Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Genco Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gencofcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Genco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Genco Credit Union curl "https://api.rateapi.dev/credit-unions/texas /genco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Genco Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/genco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp