Credit union · NCUA insured
GENCO Federal Credit Union Savings Rates
Top CarrotGENCO Federal Credit Union’s best savings rate is 1.20% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How GENCO Federal Credit Union’s savings 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
1.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $120
Money Market Account
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
GENCO Federal Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.55%
- QualifiedQualified1.20%
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.
Where GENCO Federal Credit Union 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.
Money Market Account
1.20%APY
Dividends are calculated on average daily balances of $100 or more and paid monthly. If balance falls below required minimum at any time during the month, dividend is reduced to checking account dividend amounts. Minimum withdrawals of $500 or more, up to 3 withdrawals per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $100 – $2,500$2,500 to open | 0.40% | $2,500 | — |
| $2,500 – $5,000Unknown to open | 1.10% | Unknown | — |
| $5,000 – $20,000Unknown to open | 1.20% | Unknown | $120 |
| $20,000 – $50,000Unknown to open | 1.30% | Unknown | — |
| $50,000 – $100,000Unknown to open | 1.40% | Unknown | — |
| $100,000 and upUnknown to open | 1.55% | Unknown | — |
Share (Savings) Account
0.35%APY
A deposit of $5 opens savings account and establishes membership. $5 minimum balance requirement. Dividends compounded and paid quarterly on balances of $100 or higher. Limit of up to 3 withdrawals per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $2,500Dividends compounded and paid quarterly on balances of $100 or higher. · $5 to open | 0.25% | $5 | — | Dividends compounded and paid quarterly on balances of $100 or higher. |
| $2,500 – $5,000Unknown to open | 0.30% | Unknown | — | |
| $5,000 and upUnknown to open | 0.35% | Unknown | $35 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
0.35%APY
Limited-access account with no partial withdrawals allowed. Funds transferred to savings or checking account in mid-October each year. Automatically renews each year. Dividends paid quarterly on average daily balances of more than $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn dividends on average daily balances of more than $5, paid quarterly.Any balance | 0.35% | $35 | Earn dividends on average daily balances of more than $5, paid quarterly. |
Sources (2)
All captured Sep 17, 2026
Savings Safari Club Account
0.35%APY
Designed for kids. Minimum of $15 to open the account to be eligible for benefits and events. Dividends compounded and paid quarterly on average daily balances. Limit of up to 3 withdrawals per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $100$5 to open | 0.25% | $5 | — |
| $100 and upUnknown to open | 0.35% | Unknown | $35 |
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.