What are the current interest rates at GEISMAR COMPLEX?

Current rates for GEISMAR COMPLEX include: 12-Month CD: 3.82%, 24-Month CD: 3.30%

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GEISMAR COMPLEX

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GEISMAR COMPLEX Rates & Review March 2026

Q: How many branches does GEISMAR COMPLEX operate?

GEISMAR COMPLEX currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join GEISMAR COMPLEX?

Yes, to access services at GEISMAR COMPLEX, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, GEISMAR COMPLEX does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GEISMAR COMPLEX provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 23, 2026

GEISMAR COMPLEX's 1 YEAR CD rates are at 3.82%, 6 MONTH CD rates are at 3.56%, 2 YEAR CD rates are at 3.30%. GEISMAR COMPLEX's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of GEISMAR COMPLEX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.87%. Rates were last updated on 03/23/2026.

GEISMAR COMPLEX money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at GEISMAR COMPLEX? Share your experience about GEISMAR COMPLEX by leaving a review below, or read customer reviews before you decide to use GEISMAR COMPLEX.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.87%

Excellent Lower than avg

Dedham Institution for Savings
GCFCU

35294 Highway 30
Geismar, LA 70734

http://www.gcfcu.net

GEISMAR COMPLEX CD Rates

Product	Rate	APY	Term
1 YEAR CERTIFICATE	-	3.82%	1 Year
Min Deposit $500 Last Updated 03/23/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
6 MONTH CERTIFICATE	-	3.56%	6 Months
Min Deposit $500 Last Updated 03/23/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%
2 YEAR CERTIFICATE	-	3.30%	2 Year
Min Deposit $500 Last Updated 03/23/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

GEISMAR COMPLEX Savings Rates

Product	Rate	APY	View More
CHRISTMAS CLUB	-	0.25%
Min Balance $0 Last Updated 03/23/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

GEISMAR COMPLEX Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	9.99%
Details As Low As Last Updated 03/23/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for GEISMAR COMPLEX is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather GEISMAR COMPLEX rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with GEISMAR COMPLEX's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name GEISMAR COMPLEX

Website http://www.gcfcu.net

Address 35294 Highway 30, Geismar, LA 70734

Phone 225-673-3371

Fax 225-673-3888

President Barry Wilcoxon

CEO Bridget Sonnier

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.87%

Return on Assets (ROA)

0.9696%

Return on Equity (ROE)

7.4514%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

42,273,765

Total Amount of Shares and Deposits

36,667,829

Total Shares and Deposits < 1 Year

36,532,816

Total Shares and Deposits 1 3 Years

135,013

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,616,681

Total Uninsured Shares and Deposits > $250K (F+J)

2,616,681

Total Insured Shares and Deposits > $250K (item 17 less item K)

34,051,148

Total Interest Expense (Sum of items 6 8)

358,538

Share Certificates

489

Number of Accounts for Share Drafts

1,240

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,835

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,686,103

Total Liabilities

36,772,859

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About GEISMAR COMPLEX

Is GEISMAR COMPLEX a safe place to deposit money?

Yes, GEISMAR COMPLEX is considered a safe financial institution. With a Texas Ratio of 3.8745799328329%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does GEISMAR COMPLEX operate?

GEISMAR COMPLEX currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join GEISMAR COMPLEX?

Yes, to access services at GEISMAR COMPLEX, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, GEISMAR COMPLEX does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, GEISMAR COMPLEX provides members with tools to manage their accounts and build a solid financial history.

Does GEISMAR COMPLEX offer online and mobile banking?

Most modern institutions like GEISMAR COMPLEX provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.gcfcu.net.