Back to Waco credit unions

Genco

P. O. Box 7246, Waco, TX 76714
NCUA Insured4.7 (518 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P. O. Box 7246

Waco, TX 76714

Service Area

This credit union is located in Waco and serves members in the TX area. Currently serving 38,527 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.55%

Used Auto Loan

5.83%

Personal Loan

11.98%

Credit Card APR

10.23%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.7

518 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Antonio Porcare

Antonio Porcare

3 months ago

Fast, Efficient, and Outstanding Customer Service I had an exceptional experience at this branch. "Excellent service from start to finish" and was very impressed with the knowledge, expertise, and professionalism of staffs. One team member named Edith went above and beyond to assist and handle my request with great efficiency and successful accomplishment. Everything was processed smoothly and quickly and was completed in just 1 day. Truly outstanding customer service.

Delinda Barnett

Delinda Barnett

4 months ago

I have been a member for a very long time and have always received great service in the lobby and the drive through, even over the phone.. A couple of weeks ago, I lost my debit card, and called on the following business day to get a new one..I spoke to mercedes, and she was saying they could make me another one, and worked with another branch closest to me, to have it ready at the drive thru, since I didn't get off work until 5. I was very appreciative. Im very pleased with the excellent customer service i received, I feel like she went above and beyond. Thanks.

Timothy Dixon

Timothy Dixon

5 months ago

Your bank is awesome but let me tell you why it’s because of people like Ms.Edith Gonzalez whom make me feel special today. Ms Gonzalez went above and beyond for me today actually all Day. She allowed me to get back &849.00 today by informing me about sending my cancel confirmation emails and she was able to get my funds back to me in one day that I so desperately needed. Ms Gonzalez also called me to inform me more information was needed as I failed to do what she asked she is so nice and kind and great spirited and patient. She informed me and is very knowledgeable. She and other employees like her is why I feel I am a member at the best bank in Texas Gencofcu of Waco Texas

Lisa Wilcox

Lisa Wilcox

7 months ago

I have been banking with Genco FCU for 30+ years. Scott Hedges & his team are great to work with and make every transaction simple and quick. Their auto rates are always competitive and prices on optional items related to your loan (Gap insurance, extended warranty, credit life) are very affordable! The app makes managing your accounts very easy. And their fraud protection is amazing, I receive a text and/or phone call immediately when a transaction that is questionable is being processed. I highly recommend GENCO FCU for all your banking needs!

Christina

Christina

7 months ago

Genco on Valley Mills in Waco is an amazing place to trust with your banking needs. They have friendly staff that are willing to make things work for you to the best of their ability. I had the pleasure of working with Scott Hedges, who helped me get a car and get into a new place for my daughter and I. I'm so very grateful for their kindness because it was literally life changing for me.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).