GECU Savings & Money Market Rates

How GECU’s savings rates compare

Compared with banks and credit unions near El Paso, TX, where GECU has the most branches. $10,000, best rate first.

This credit union’s best
GECU
0.15%APY
Requires
None
Minimum
$10
Earns on $10,000 a year
$15
Personal Savings Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$512
Citizens Bank of Las Cruces rates
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$315
Chevron Federal Credit Union rates

Savings score

Higher than 18% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.15%
$10,000 balance$10,0000.15%
$100,000 balance$100,0000.15%
QualifiedQualified0.15%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where GECU ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Personal Savings Account

0.15%APY$10 to open

Membership eligibility is required. Requires opening and maintaining a minimum of $10 to establish GECU membership.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upMinimum average daily balance of $100 to earn dividends. Dividends are compounded and credited quarterly on the last day of March, June, September, and December. Dividends are paid from current earnings available after transfers to reserves and only after formal declaration by the board of directors.$100 and up	0.15%	$15	Minimum average daily balance of $100 to earn dividends. Dividends are compounded and credited quarterly on the last day of March, June, September, and December. Dividends are paid from current earnings available after transfers to reserves and only after formal declaration by the board of directors.

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

Christmas Club Account

0.20%APYClub$10 to open

May be opened November 1–March 31. Membership eligibility is required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upMinimum average daily balance of $10 to earn dividends. Dividends paid through October 31. Balance is transferred to checking or savings account on November 1. Early withdrawal results in loss of interest and closure of account if funds are withdrawn before November 1, 2026. Compounded and credited quarterly.$10 and up	0.20%	$20	Minimum average daily balance of $10 to earn dividends. Dividends paid through October 31. Balance is transferred to checking or savings account on November 1. Early withdrawal results in loss of interest and closure of account if funds are withdrawn before November 1, 2026. Compounded and credited quarterly.

Sources (1)

gecu.com/rates/savings-accounts · captured Oct 6, 2026

Youth Savings Account

0.15%APYKids and teens$10 to open

For children and teens ages 0–17. Membership eligibility is required. Accounts can be opened by a parent or adult sponsor with valid ID and child's SSN. Variants include Miners Kids Club, Money Mammals (up to 8), M3 Money Club (9–13), and Elements of Money (14–17).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upMinimum average daily balance of $10 to earn dividends quarterly. No minimum-daily-balance requirements to avoid fees. Dividends are compounded and credited quarterly.$10 and up	0.15%	$15	Minimum average daily balance of $10 to earn dividends quarterly. No minimum-daily-balance requirements to avoid fees. Dividends are compounded and credited quarterly.

Sources (3)

All captured Oct 6, 2026

Who can join GECU

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

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