What are the current interest rates at GSA Federal Credit Union?

Current rates for GSA Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 3.71%, 60-Month CD: 4.01%

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GSA Federal Credit Union

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GSA Federal Credit Union Rates & Review October 2026

Q: How many branches does GSA Federal Credit Union operate?

GSA 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.

Q: Is a member application needed to join GSA Federal Credit Union?

Yes, to access services at GSA 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GSA 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 12, 2026

GSA Federal Credit Union's top rates as of October 12, 2026 are 4.01% APY on its 60 month CD, 0.15% APY on checking, personal loans from 7.49% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other GSA Federal Credit Union CD rates include 48 month CD at 3.86%, 36 month CD at 3.80%, and 12 month CD at 3.75%. MonitorBankRates evaluates the financial stability of GSA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.60%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.60%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

GSA Federal Credit Union
Branch - NW

1800 F St NW # 1211
Washington, DC 20405-0001

https://www.gsafcu.gsa.gov/

Customer Reviews

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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.

GSA Federal Credit Union CD Rates

Product	Rate	APY	Term
60 month Share Certificate	3.95%	4.01%	60 months
Details The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
48 month Share Certificate	3.80%	3.86%	48 months
Details The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
36 month Share Certificate	3.75%	3.80%	36 months
Details The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
12 month Share Certificate	3.69%	3.75%	12 months
Details The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
24 month Share Certificate	3.65%	3.71%	24 months
Details The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
6 month Share Certificate	3.10%	3.14%	6 months
Details The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.; 6 month Share Certificate has a cap of $100,000. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.14% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%

GSA Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas/Vacation Club Accounts	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%

GSA Federal Credit Union Checking Rates

Product	Rate	APY
Internet Checking	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000 - $15,000; Internet checking account requires a minimum balance of $1,000 and a monthly direct deposit of at least $500. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Internet Checking	0.05%	0.05%
Min Balance $15,001 Details Balance over $15,000; Internet checking account requires a minimum balance of $1,000 and a monthly direct deposit of at least $500. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%

GSA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.84%	up to 84 months
Details As low as; applies to refinances, used, and new; Payment flexibility: 60 days with no payments Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Vehicle 24 Months (New/Used) Loan	-	-	3.84%	24 Months
Details Published APR range: 3.84% - 7.60%. Based on Credit Score. Minimum auto loan amount is $10,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Vehicle 36 Months (New/Used) Loan	-	-	4.24%	36 Months
Details Published APR range: 4.24% - 7.60%. Based on Credit Score. Minimum auto loan amount is $10,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Vehicle 48 Months (New/Used) Loan	-	-	4.34%	48 Months
Details Published APR range: 4.34% - 7.60%. Based on Credit Score. Minimum auto loan amount is $10,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Vehicle 60 Months (New/Used) Loan	-	-	4.34%	60 Months
Details Published APR range: 4.34% - 8.10%. Based on Credit Score. Minimum auto loan amount is $10,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Vehicle 72 Months (New/Used) Loan	-	-	4.68%	72 Months
Details Based on Credit Score. Minimum auto loan amount is $10,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.68% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%

GSA Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.99%
Details These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Visa Classic	-	11.88%
Details Published APR range: 11.88% - 15.00%. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%

GSA Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured (Signature) Loan	7.49%
Details Minimum unsecured (signature) loan amount is $1,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%

GSA Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Share Draft	0.05%	-	0.05%
Min Balance $1,001 Details Balance: $1,001 - $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Share Draft	0.05%	-	0.05%
Min Balance $2,001 Details Balance: $2,001 - $10,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Share Draft	0.05%	-	0.05%
Min Balance $10,001 Details Balance: $10,001 - $20,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Share Draft	0.05%	-	0.05%
Min Balance $20,001 Details Balance over $20,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Shares	0.05%	-	0.05%
Min Balance $1,001 Details Balance: $1,001 - $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Shares	0.05%	-	0.05%
Min Balance $2,001 Details Balance: $2,001 - $10,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Shares	0.05%	-	0.05%
Min Balance $10,001 Details Balance: $10,001 - $20,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%
Shares	0.05%	-	0.05%
Min Balance $20,001 Details Balance over $20,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.60%

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

GSA Federal Credit Union’s Texas Ratio stayed near 1.59% in Q3 2023 to 1.60% 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	$38M	1.60%	5.0	A+
March 31, 2026	$39M	2.61%	5.0	A+
December 31, 2025	$38M	2.73%	5.0	A+
September 30, 2025	$38M	2.77%	5.0	A+
June 30, 2025	$39M	2.05%	5.0	A+
March 31, 2025	$39M	1.98%	5.0	A+
December 31, 2024	$39M	2.34%	5.0	A+
September 30, 2024	$40M	0.96%	5.0	A+
June 30, 2024	$40M	1.93%	5.0	A+
March 31, 2024	$41M	2.21%	5.0	A+
December 31, 2023	$41M	2.29%	5.0	A+
September 30, 2023	$41M	1.59%	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 GSA 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 GSA 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 GSA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name GSA Federal Credit Union

Website https://www.gsafcu.gsa.gov/

Address 1800 F St NW # 1211, Washington, DC 20405-0001

Phone 202-876-2121

Fax 202-208-4023

President Nathan Smith

CEO Jerome Malvin

Full-Time Employees 6

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+ (99/100)

Texas Ratio

1.60%

Return on Assets (ROA)

0.1357%

Return on Equity (ROE)

1.7773%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

37,867,406

Total Amount of Shares and Deposits

34,928,566

Total Shares and Deposits < 1 Year

25,353,322

Total Shares and Deposits 1 3 Years

6,213,290

Total Shares and Deposits > 3 Years

3,361,954

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

2,736,560

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

2,736,560

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

32,192,006

Total Interest Expense (Sum of items 6 8)

210,937

Share Certificates

421

Number of Accounts for Share Drafts

1,177

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,516

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)

3,360,393

Total Liabilities

34,976,885

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

GSA 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"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About GSA Federal Credit Union

How many branches does GSA Federal Credit Union operate?

GSA 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 GSA Federal Credit Union?

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

Does GSA Federal Credit Union offer online and mobile banking?

Most modern institutions like GSA 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: https://www.gsafcu.gsa.gov/.

Current GSA Federal Credit Union Rates

12-Month CD3.75%
24-Month CD3.71%
60-Month CD4.01%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

GSA Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

GSA Federal Credit Union Texas Ratio

GSA Federal Credit Union Health Trend

GSA Federal Credit Union CD Rates

GSA Federal Credit Union Savings Rates

GSA Federal Credit Union Checking Rates

GSA Federal Credit Union Auto Loan Rates

GSA Federal Credit Union Credit Card Rates

GSA Federal Credit Union Personal Loan Rates

GSA Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

GSA Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About GSA Federal Credit Union

How many branches does GSA Federal Credit Union operate?

Is a member application needed to join GSA Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does GSA Federal Credit Union offer online and mobile banking?

Current GSA Federal Credit Union Rates

Compare to Other Credit Unions