--- title: "Government Employees Credit Union Rates (Nov 2026): Mortgage 7.05%" description: "Government Employees Credit Union has the lowest tracked 15-year fixed mortgage rate in Texas (6.40% APR) among 7 credit unions we verify. Government Employees Credit Union rates today: 30 year fixed mortgage 7.05% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Government Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/government-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Government Employees Credit Union Rates (Nov 2026): Mortgage 7.05% ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **MFM(A) - FNMA 30yr Fixed Max 325K Bal** 30 year fixed | 7.050% APR | 6.875% | — | Standard | | **MFM(A) - FNMA 30yr Fixed Max 325K Bal** 30 year fixed | 7.189% APR | 7.000% | — | Standard | | **Member First Mortgage - FNMA Conforming 15 Yr Fixed** 15 year fixed | 6.402% APR | 6.125% | — | Standard | | **Member First Mortgage - FNMA Conforming 15 Yr Fixed** 15 year fixed | 6.548% APR | 6.250% | — | Standard | | **Member First Mortgage - FNMA Conforming 10 Yr Fixed** 10 year fixed | 6.388% APR | 6.000% | — | Standard | | **Member First Mortgage - FNMA Conforming 10 Yr Fixed** 10 year fixed | 6.542% APR | 6.125% | — | Standard | | **Member First Mortgage - FHLMC Conforming 20 Yr Fixed** 20 year fixed | 6.757% APR | 6.500% | — | Standard | | **Member First Mortgage - FNMA Conforming 20 Yr Fixed** 20 year fixed | 6.773% APR | 6.500% | — | Standard | | **Member First Mortgage - FNMA Conforming 20 Yr Fixed** 20 year fixed | 7.103% APR | 6.875% | — | Standard | Government Employees Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Government Employees Credit Union offers a 30-year fixed mortgage at 7.05% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/government-employees) , verified from [Government Employees Credit Union's official website](https://www.gefcu.org/) Best product position **#1 of 7** 15-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **10 bp better than median** 15-year fixed mortgage Products ranked **2** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.05% | Room to improve vs. the Texas median | 163 bp from state best | 17 bp behind median | | 15-year fixed mortgage | 6.40% | #1 of 7 · lowest in Texas | State market leader | 10 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Government Employees 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=government-employees&state=texas&code=TX&name=Government%20Employees%20Credit%20Union) Loading branch locator… ## About Government Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.5K Assets $189M Founded 1934 Locations reported 6 NCUA charter 24465 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 - 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. [**Nizari Progressive** Austin South Branch · Austin · TX · 78758 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/nizari-progressive) [**Velocity** North Austin Branch · Austin · TX · 78758-3844 About 0.8 miles away](https://rateapi.dev/credit-unions/texas/velocity) [**randolph-brooks** Domain · Austin · TX · 78758 About 0.9 miles away](https://rateapi.dev/credit-unions/texas/randolph-brooks) [**Amplify** Esperanza · Austin · TX · 78758-3772 About 1.0 miles away](https://rateapi.dev/credit-unions/texas/amplify) [**Capitol** North Office · Austin · TX · 78758 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/capitol) [**Austin Telco** Shoal Creek · Austin · TX · 78757 About 1.8 miles away](https://rateapi.dev/credit-unions/texas/austin-telco) 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 Government Employees Credit Union Membership eligibility from Government Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Government Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Association The Friends of the Austin Public Library Verified from [Government Employees Credit Union's membership page](https://www.gefcu.org/who-is-eligible) . Final membership determination is always made by the credit union. ## Membership rules for Government Employees Credit Union Associations · Military · Family 3 published paths to membership, last verified August 21, 2026, quoted from Government Employees Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of The Friends of the Austin Public Library “Members of The Friends of the Austin Public Library” > [source ↗](https://www.gefcu.org/who-is-eligible) - Member of The Friends of the Austin Public Library ### Military 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Military affiliation “Retired military and employees of the aforementioned categories” > [source ↗](https://www.gefcu.org/who-is-eligible) - Military: retired military ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate families “Employees of the U.S. Government living or working in Travis County or the surrounding counties which border on Travis County, and their immediate families” > [source ↗](https://www.gefcu.org/who-is-eligible) - Family member (immediate families) 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 Government Employees Credit Union? Yes No ## Work at Government Employees 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 Government Employees Credit Union ranks against Texas peers. - See which AI assistants fetched Government Employees 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=government-employees&state=texas&code=TX&name=Government%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Government Employees Credit Union offer? Government Employees Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Government Employees Credit Union rates updated? RateAPI verifies Government Employees 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 Government Employees Credit Union's rate data? Rate data is collected directly from Government Employees 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 Government Employees Credit Union's mortgage rate? As of November 12, 2026, Government Employees Credit Union offers a 30-year fixed mortgage at 7.05% APR. ### Who can join Government Employees Credit Union? Government Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 association and 1 military for Government Employees Credit Union, each quoted from Government Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Government Employees 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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-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.gefcu.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 Government Employees 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 Government Employees Credit Union curl "https://api.rateapi.dev/credit-unions/texas /government-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Government Employees Credit Union locations Search, filter, and browse all 6 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/government-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp