What are the current interest rates at Generations United Federal Credit Union?

Current rates for Generations United Federal Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.30%, 24-Month CD: 4.34%, Savings: 2.78%, MMA: 3.50%

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Generations United Federal Credit Union

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Generations United Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Generations United Federal Credit Union 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 and Verified: October 9, 2026

Generations United Federal Credit Union's top rates as of October 9, 2026 are 4.34% APY on its 24 Month Long-Term CDs CD, 2.78% APY on savings, 3.50% APY on money market accounts, 1.01% APY on checking, and credit cards from 11.00% APR, according to rates verified by MonitorBankRates. Other Generations United Federal Credit Union CD rates include 16 Month Long-Term CDs at 4.08%, 18 Month GU CDs at 3.30%, and 12 Month GU CDs at 3.20%. MonitorBankRates evaluates the financial stability of Generations United Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.85%. Rates last updated and verified on 10/09/2026.

Generations United Federal Credit Union 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 Generations United Federal Credit Union? Share your experience about Generations United Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Generations United Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.85%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Generations United Federal Credit Union
Headquarters

420 Lexington Ave Rm 850
New York, NY 10170-0033

http://www.gufcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Generations United Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Long-Term Certificates	4.25%	4.34%	24-month
Min Deposit $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.34% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
16 Month Long-Term Certificates	4.00%	4.08%	16-month
Min Deposit $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
18 Month GU Certificates	3.25%	3.30%	18-month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
12 Month GU Certificates	3.15%	3.20%	12-month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
9 Month GU Certificates	3.00%	3.04%	9-month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
6 Month GU Certificates	2.90%	2.94%	6-month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
3 Month GU Certificates	2.75%	2.78%	3-month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Generations United Federal Credit Union Savings Rates

Product	Rate	APY
Future Leaders Youth Savings	2.75%	2.78%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Generations United Supreme Savings Account	2.50%	2.53%
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Christmas and Vacation Club	1.75%	1.76%
Min Deposit $5 Details No service charges or minimum balance fee Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Generations United Federal Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	-	3.50%
Details as high as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Generations United Federal Credit Union Checking Rates

Product	Rate	APY	View More
Generations United Essential Checking	1.00%	1.01%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

Generations United Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Classic Credit Card	-	11.00%
Details Published APR range: 11.0% - 18.0%. Variable APR Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Credit Card Basics	13.00%	13.00%
Details Credit Score: 740 - 799 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Credit Card Basics	15.00%	15.00%
Details Credit Score: 670 - 739 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Credit Card Basics	16.50%	16.50%
Details Credit Score: 580 - 669 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Credit Card Basics	18.00%	18.00%
Details Credit Score: 300 - 579 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

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.

Financial Health History

Generations United Federal Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 0.85% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7M	0.85%	5.0	A+
March 31, 2026	$7M	1.49%	5.0	A+
December 31, 2025	$7M	1.36%	5.0	A+
September 30, 2025	$7M	0.06%	5.0	A+
June 30, 2025	$6M	0.00%	5.0	A+
March 31, 2025	$6M	0.00%	5.0	A+
December 31, 2024	$5M	0.00%	5.0	A+
September 30, 2024	$5M	0.00%	5.0	A+
June 30, 2024	$5M	0.00%	5.0	A+
March 31, 2024	$5M	0.00%	5.0	A+
December 31, 2023	$5M	0.00%	5.0	A+
September 30, 2023	$5M	0.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Generations United Federal Credit Union 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 Generations United Federal Credit Union 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 Generations United Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Generations United Federal Credit Union

Website http://www.gufcu.org

Address 420 Lexington Ave Rm 850, New York, NY 10170-0033

Phone 646-856-2106

Fax

President Lawrence Yunaska

CEO John Linzey

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.85%

Return on Assets (ROA)

-3.1368%

Return on Equity (ROE)

-7.0583%

Non-Performing Loans Ratio (NPL)

0.83%

Total Assets

7,035,188

Total Amount of Shares and Deposits

2,451,164

Total Shares and Deposits < 1 Year

2,125,967

Total Shares and Deposits 1 3 Years

325,197

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

2,451,164

Total Interest Expense (Sum of items 6 8)

34,518

Share Certificates

Number of Accounts for Share Drafts

140

Number of Accounts for Regular Shares

298

Non Member Deposits

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

821,410

Total Liabilities

3,912,324

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Generations United Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Generations United Federal Credit Union

How many branches does Generations United Federal Credit Union operate?

Generations United Federal Credit Union 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 Generations United Federal Credit Union?

Yes, to access services at Generations United Federal Credit Union, 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, Generations United Federal Credit Union 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, Generations United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Generations United Federal Credit Union offer online and mobile banking?

Most modern institutions like Generations United Federal Credit Union 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.gufcu.org.