Credit union · NCUA insured
Generations FCU CD Rates
Generations FCU’s best CD rate is 3.65% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Generations FCU’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Generations FCU has the most branches. $10,000, best rate first.
This credit union’s best
Generations FCU
3.55%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $176
Regular Certificate of Deposit
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Generations FCU CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.55%
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 Generations FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate of Deposit
Up to 3.65%APY · 7 terms
Requires balance >= $100,000. Rates fixed for term. Dividends compounded monthly. Early withdrawal penalty may apply. Tax-deferred certificates may include additional penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEffective date 2026-01-21 | 3.65% | — |
| 12 monthsEffective date 2026-01-21 | 3.10% | — |
| 18 monthsEffective date 2026-01-21 | 3.60% | — |
| 24 monthsEffective date 2026-01-21 | 3.60% | — |
| 36 monthsEffective date 2026-01-21 | 3.20% | — |
| 48 monthsEffective date 2026-01-21 | 3.00% | — |
| 60 monthsEffective date 2026-01-21 | 3.35% | — |
Sources (1)
- mygenfcu.org/rates/personal-certificate · captured Sep 17, 2026
Regular Certificate of Deposit
Up to 3.55%APY · 7 terms
Membership eligibility required (live, work, worship, volunteer, attend school, or own a business in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, or Wilson County, TX, or immediate family member). Rates are fixed for term; dividends are compounded monthly. Penalty for early withdrawal. Stated APY assumes principal and dividends remain on deposit until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.00% | $300 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.10% | $959 |
| 48 months | 2.90% | $1,211 |
| 60 months | 3.35% | $1,791 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 6 terms
$250.00 minimum balance for IRA certificate accounts required. Rates apply to Traditional IRA, SEP IRAs, and Educational IRAs (Coverdell ESAs). Rates are fixed for term; dividends are compounded monthly. Penalty for early withdrawal and tax-deferred additional penalties may apply. Stated APY assumes principal and dividends remain on deposit until maturity. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsApplies to Traditional IRA, SEP IRA, and Educational IRA (Coverdell ESA) | 3.00% | $300 |
| 18 monthsApplies to Traditional IRA, SEP IRA, and Educational IRA (Coverdell ESA) | 3.50% | $530 |
| 24 monthsApplies to Traditional IRA, SEP IRA, and Educational IRA (Coverdell ESA) | 3.50% | $712 |
| 36 monthsApplies to Traditional IRA, SEP IRA, and Educational IRA (Coverdell ESA) | 3.10% | $959 |
| 48 monthsApplies to Traditional IRA, SEP IRA, and Educational IRA (Coverdell ESA) | 2.90% | $1,211 |
| 60 monthsApplies to Traditional IRA, SEP IRA, and Educational IRA (Coverdell ESA) | 3.35% | $1,791 |
Sources (1)
- mygenfcu.org/rates/personal-ira · captured Sep 17, 2026
Who can join Generations FCU
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.
Membership information collected October 5, 2026.