Credit union · NCUA insured
GENCO Federal Credit Union CD Rates
Top CarrotA $490.9M credit union headquartered in Waco, TX, with 38,363 members and 5 branches in Texas.
How GENCO Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Waco, TX, where GENCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
GENCO Federal Credit Union
4.00%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $434
IRA Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 7 terms
GENCO offers Traditional, Roth and Educational IRA programs. Membership eligibility requires living or working in McLennan or Angelina county and opening a savings account with a minimum balance of $5. Penalties exist for early withdrawal.
| Term | APY · Any balance | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | — | 3.25% | 3.30% | 3.35% | 3.40% | 3.30%3.25% $1k–$10k3.35% $25k–$50k3.40% from $50k | $164 |
| 12 months | — | 3.70% | 3.75% | 3.80% | 3.85% | 3.75%3.70% $1k–$10k3.80% $25k–$50k3.85% from $50k | $375 |
| 13 monthsLimited Time Offer. Term Share Certificate Special. Rates apply to both Regular or IRA | 4.00% | — | — | — | — | 4.00% | $434 |
| 24 months | — | 3.75% | 3.80% | 3.85% | 3.90% | 3.80%3.75% $1k–$10k3.85% $25k–$50k3.90% from $50k | $774 |
| 36 months | — | 3.35% | 3.40% | 3.45% | 3.51% | 3.40%3.35% $1k–$10k3.45% $25k–$50k3.51% from $50k | $1,055 |
| 48 months | — | 3.35% | 3.40% | 3.45% | 3.51% | 3.40%3.35% $1k–$10k3.45% $25k–$50k3.51% from $50k | $1,431 |
| 60 months | — | 3.35% | 3.40% | 3.45% | 3.51% | 3.40%3.35% $1k–$10k3.45% $25k–$50k3.51% from $50k | $1,820 |
Sources (2)
All captured Sep 17, 2026
Term Share Certificate
Up to 4.00%APY · 7 terms
Membership eligibility requires living or working in McLennan or Angelina county and opening a savings account with a minimum balance of $5. Penalties exist for early withdrawal. Interest earned may be paid monthly, quarterly or at maturity.
| Term | APY · Any balance | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | — | 3.25% | 3.25% | $161 |
| 12 months | — | 3.70% | — | 3.70% | $370 |
| 13 monthsLimited Time Offer. Term Share Certificate Special. Rates apply to both Regular or IRA | 4.00% | — | — | 4.00% | $434 |
| 24 months | — | 3.75% | — | 3.75% | $764 |
| 36 months | — | 3.35% | — | 3.35% | $1,039 |
| 48 months | — | 3.35% | — | 3.35% | $1,409 |
| 60 months | — | 3.35% | — | 3.35% | $1,791 |
Sources (2)
All captured Sep 17, 2026
Who can join GENCO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in McLennan or Angelina counties are eligible for membership.
Family and household
- Certain family members of GENCO members (spouses, children, parents, brothers and sisters, stepchildren and stepparents, grandchildren, and grandparents) are eligible to join.
Cost to join
- Membership requires opening a savings account with a minimum balance of $5.
Membership information collected October 5, 2026.