NCUA Insured
Member-Owned
1 charter
Established in 1953
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Waco, TX may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1953
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Waco and serves members in the TX area. Currently serving 38,527 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
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.
Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).
Odessa, TX
Houston, TX
Amarillo, TX
Levelland, TX
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.7
518 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsAntonio 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
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
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
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
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.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(254) 776-9550Website
Visit WebsiteMembers
38,527
Total Assets
$480.5M
Year Opened
1953
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile