Credit union · NCUA insured
Generations FCU
A $750.4M credit union headquartered in San Antonio, TX, with 47,193 members and 7 branches in Texas. Best rates: CDs 3.65% and savings 0.25% APY.
Generations FCU Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#21 of 47 in San Antonio, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Generations FCU
Generations Federal Credit Union was founded in 1940 as San Antonio City Employees Federal Credit Union, with each founding member depositing $10 to become a member-owner.
Formed as a member-owned financial cooperative, it was established to allow members to provide for their families, build savings, buy cars, and plan for a secure future together.
The credit union serves individuals and businesses that live, work, worship, volunteer, attend school, or operate in eight Texas counties, including Bexar and Comal.
- Headquarters
- 1100 NW Loop 410, Suite 800, San Antonio, TX 78213
- NCUA charter
- 4015
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, attends school, or owns a business in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina and/or Wilson County, Texas.
Family and household
- Immediate family members of GFCU members or eligible individuals are eligible for membership.
Other ways
- Commercial membership is open to any business actively operating in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina and/or Wilson County, Texas.
Cost to join
- Founding members each deposited $10 to become a member-owner.
Branches
7 branches in Texas
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Texas
7 branches
- One Castle Hills Branch1100 NW Loop 410 Ste 101, Castle Hills, TX 78213Directions
- Balcones Heights Branch4005 Fredericksburg Rd, San Antonio, TX 78201Directions
- Downtown1828 N Saint Marys St, San Antonio, TX 78212Directions
- Northwest Branch6000 NW Loop 410, San Antonio, TX 78238Directions
- Potranco Branch109 Empresario Dr, San Antonio, TX 78245Directions
- Southeast Branch1945 S WW White Rd, San Antonio, TX 78222Directions
- Southside Branch7503 Yarrow Blvd, San Antonio, TX 78224Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.30% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.38% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio9.30%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.38%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Generations FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.