Credit union · NCUA insured
GENCO Federal Credit Union Credit Card Rates
Top CarrotGENCO Federal Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How GENCO Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Waco, TX, where GENCO Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
GENCO Federal Credit Union
7.90%APR
- Up to
- —
Platinum Rewards Mastercard
2nd-lowest rate
Educators Credit Union
9.75%APR
- Up to
- —
3rd-lowest rate
Linkage Credit Union
9.99%APR
- Up to
- 14.99% APR
GENCO Federal Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GENCO Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Rewards Mastercard
Subject to credit approval. 25-day grace period. Same low rate for purchases, cash advances, and balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.99% | None | 4.99% Introductory APR for six months from account opening. |
| Ongoing | 12.24% | None | Variable Rates as low as 12.24% APR. Same low rate for purchases, cash advances and balance transfers. |
| Ongoing | 7.90% | None | 7.9% fixed APR if share secured. Same low rate for purchases, cash advances and balance transfers. |
Sources (4)
- gencofcu.org/borrow/credit-cards
- gencofcu.org/borrow/line-of-credit
- gencofcu.org/borrow/loan-rates
- gencofcu.org/accounts/savings-investments
All captured Oct 6, 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This may be incomplete or out of date, so check with the credit union before you apply.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.