Business Details
50+ Years
experience
Your Trusted Financial Partner in Waco and Lufkin
GENCO Federal Credit Union has served the financial needs of Central Texas communities since 1953. Originally established to support employees of the General Tire and Rubber Company, we have grown to serve all individuals living or working in McLennan and Angelina counties. Our history of service includes strategic expansions through acquisitions and new branch openings in Waco, Lufkin, Lorena, and Woodway. We offer a comprehensive range of financial products including checking and savings accounts, vehicle and home loans, credit cards, and insurance services. Our Kasasa Cash checking account provides competitive APY rates and nationwide ATM fee refunds.As a member-owned institution, we prioritize personalized service and community development. Our NCUA-insured accounts ensure security for deposits up to $250,000. Through technological innovation, we provide 24/7 online and mobile banking solutions for modern financial management. Our team remains committed to delivering transparent financial education resources and practical money skills programs. With over seven decades of local expertise, we continue to adapt our services to meet evolving member needs while maintaining core values of trust and financial empowerment.
Services
Checking Accounts
Savings Accounts
Auto Loans
Home Loans
Credit Cards
Insurance Services
Online Banking
Mobile Banking
Financial Calculators
Loan Pre-Approval
Details
- Year established: 1953
Highlights and features
- 70+ years of local financial expertise since 1953
- NCUA-insured accounts protect deposits up to $250,000
- Competitive APY rates on checking and savings accounts
- Comprehensive loan products for vehicles and homes
- Free financial education resources and calculators
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Checking Accounts
Our Kasasa Cash checking account offers up to 1.50% APY with nationwide ATM fee refunds. Designed for everyday banking needs, this no-minimum balance account provides convenient access to funds through mobile check deposit, bill pay, and debit card transactions. Members benefit from competitive rates that reward regular account usage.
Auto Loans
We offer flexible auto loan options with competitive interest rates for new and used vehicle purchases. Our Member Auto Center provides pre-approval options, vehicle valuation tools, and financing through preferred dealers. Loan terms range from 24 to 84 months with no payments until 2026 available on select offers.
Home Loans
Our home loan programs include conventional, FHA, and VA options with personalized rate quotes. Members can pre-qualify online for purchase or refinance transactions. We offer competitive fixed and adjustable rate mortgages with local underwriting decisions for faster approvals.
Online Banking
24/7 account access includes balance checks, transfers, bill payments, and transaction history. Mobile app features include mobile check deposit, card controls, and real-time alerts. Secure messaging system enables direct communication with customer service representatives.
Insurance Services
We partner with TruStage to offer life, home, auto, and accidental death insurance policies. Coverage options include term life insurance, homeowners insurance, and vehicle protection plans. Policies are designed to complement our financial products and member needs.
Questions
How can I become a GENCO member?
Anyone living or working in McLennan or Angelina counties can join through our online application process.
What loan products do you offer?
We provide auto loans, home mortgages, personal loans, credit cards, and lines of credit with competitive rates.
Are my deposits insured?
Yes, all accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
Do you have mobile banking options?
Our mobile app provides 24/7 access for account management, mobile check deposit, and card controls.
What insurance products are available?
We offer life, home, auto, and accidental death insurance through our partnership with TruStage.
