Genco Credit Union

Waco, Texas
Last verified: August 3, 2026
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Verified rate book

Current Genco Credit Union rates

34 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

1 offer
Genco Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed5.788% APR5.500%—Standard

Auto & vehicle rates

6 offers
Genco Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Vehicles (New & Used All Models)auto_any_48mo4.840% APR4.840%48 mo · anyStandard
48-Month Auto Loanauto_any_48mo4.840% APR4.840%48 moStandard
Vehicles (New and Used) All Modelsauto_any_66mo4.940% APR4.940%66 mo · anyStandard
66-Month Auto Loanauto_any_66mo4.940% APR4.940%66 moStandard
Vehicles (New and Used) All Modelsauto_any_72mo4.990% APR4.990%72 mo · anyStandard
72-Month Auto Loanauto_any_72mo4.990% APR4.990%72 moStandard

HELOC rates

1 offer
Genco Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loan (Fixed)heloc_fixed5.250% APR5.250%—Standard

Personal loan rates

2 offers
Genco Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Personal Loanpersonal_unsecured_60mo10.650% APR10.650%60 moStandard
Personal Line of Creditploc_variable10.900% APR10.900%—Standard

Credit card rates

1 offer
Genco Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Rewards MasterCardcredit_card_rewards12.240% APR12.240%—Standard

Savings & CD rates

23 offers
Genco Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Savings Safari Club Accountsavings0.25% APY0.25%—Standard
Savingssavings0.25% APY0.25%—Standard
Savingssavings0.30% APY0.30%—Standard
Christmas Club Accountsavings0.35% APY0.35%—Standard
Savingssavings0.35% APY0.35%—Standard
Money Marketmoney_market0.40% APY0.40%—Standard
GENCO Kasasa Cashsavings0.75% APY0.75%—Standard
KASASA Cash (Balances over $10,000)savings0.75% APY0.75%—Standard
Money Marketmoney_market1.10% APY1.09%—Standard
Money Marketmoney_market1.20% APY1.19%—Standard
IRA Accumulator Accountira1.20% APY1.19%—Standard
Money Marketmoney_market1.30% APY1.29%—Standard
IRA Accumulator Accountira1.30% APY1.29%—Standard
Money Marketmoney_market1.40% APY1.39%—Standard
IRA Accumulator Accountira1.40% APY1.39%—Standard
6-Month Certificateshare_certificate_6mo3.25% APY3.22%6 moStandard
60-Month Certificateshare_certificate_60mo3.35% APY3.31%60 moStandard
48-Month Certificateshare_certificate_48mo3.35% APY3.31%48 moStandard
36-Month Certificateshare_certificate_36mo3.35% APY3.31%36 moStandard
12-Month Certificateshare_certificate_12mo3.70% APY3.65%12 moStandard
24-Month Certificateshare_certificate_24mo3.75% APY3.70%24 moStandard
13 Month Term Sharecd_13mo4.00% APY3.94%13 moStandard
Kasasa Cashsavings4.25% APY4.25%—Standard

As of August 3, 2026, Genco Credit Union offers a 30-year fixed mortgage at 5.788% APR. Auto loans available from 4.84% APR for 48 months. HELOC rates from 5.25% APR. Personal loan rates from 10.65% APR. Credit card rates from 12.24% APR. Savings and certificate yields up to 4.25% APY.

Source: RateAPI.dev, verified from Genco Credit Union's official website

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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. 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.

Baker HughesData Systems of Texas · Waco · TX · 76710-4387Branch in the same ZIPEducatorsMAIN · WACO · TX · 76710-5589Branch in the same ZIPFirst CentralSanger Office · Waco · TX · 76710Branch in the same ZIPFontanaData Systems of Texas · Waco · TX · 76710-1732Branch in the same ZIPKraftmanBradford Scott · Waco · TX · 76710-1732Branch in the same ZIPMatagorda CountyDATA SYSTEMS OF TEXAS · WACO · TX · 76710Branch in the same ZIP

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.

Community charter: live/work in McLennan, Angelina

  • LocationMcLennan, Angelina

Cost to join: About $5.

Verified from Genco Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Genco Credit Union?

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Frequently Asked Questions

What rates does Genco Credit Union offer?

Genco Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 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 August 3, 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 August 3, 2026, Genco Credit Union offers a 30-year fixed mortgage at 5.788% APR.

What are Genco Credit Union's auto loan rates?

As of August 3, 2026, Genco Credit Union offers auto loans from 4.84% APR.

What is Genco Credit Union's HELOC rate?

As of August 3, 2026, Genco Credit Union offers home equity lines of credit from 5.25% APR.

What is Genco Credit Union's personal loan rate?

As of August 3, 2026, Genco Credit Union offers personal loans from 10.65% APR.

What is Genco Credit Union's best CD rate?

As of August 3, 2026, Genco Credit Union offers savings and certificate (CD) yields up to 4.25% APY.

Related Rate Data

Compare Genco Credit Union's rates against national credit-union benchmarks.

More Texas credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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