Genco Credit Union Waco TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Genco, your trusted partner in financial wellness since 1953. Located at 731 N Valley Mills Dr, Waco, TX 76710, we pride ourselves on being more than just a credit union; we're a community hub dedicated to helping our 39,428 members achieve their financial goals. Our commitment is reflected in our solid foundation of assets totaling $444,066,893 and total deposits of $55,963,796. At Genco, we believe that everyone deserves access to quality financial services. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we have tailored products designed just for you. With a total loan portfolio exceeding 16,886 loans and leases, we provide the support you need when it matters most. Our leadership team, led by CEO Neil Ling and Board President Robert Black, works diligently to ensure that we remain responsive to the needs of our members. We have a dedicated staff of 99 employees, ready to assist you with any inquiries. While members can visit us at our branch location for service and support, official correspondence should be sent to our mailing address: P.O. Box 7246, Waco, TX 76714. We invite you to explore the full range of services we offer at Genco's website or give us a call at 254-776-9550. Discover how we can help you secure your financial future today!

Branch History & Mission

Welcome to Genco, a cornerstone of the Waco community since our doors first opened in 1953. Located at 731 N Valley Mills Dr, Waco, TX 76710, we have built a rich legacy dedicated to serving our members and fostering financial wellness. Over the years, we have grown from humble beginnings into a thriving credit union with a membership of over 39,428 individuals and total assets reaching an impressive $}. At Genco, our mission is clear: to provide exceptional financial services while making a positive impact in our community. We strive to empower our members through personal banking solutions that cater to their unique needs. From checking and savings accounts to auto loans and credit cards with rewards, we are here to support you on your financial journey. Our commitment goes beyond just banking. We actively engage in community outreach initiatives, partnering with local organizations to foster growth and provide support where it's needed most. Our team understands the importance of being present for our members and neighbors alike. While members can visit us at 731 N Valley Mills Dr Waco Tx 76710, official correspondence should be sent to P. O. Box 7246, Waco, TX 76714 if needed. We also offer convenient services such as ATM access and drive-thru banking for those on the go. Our operating hours are designed with your schedule in mind: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. As we look toward the future, we remain committed to embracing digital advancements that enhance your banking experience. With features like online banking and mobile payments, accessing your accounts has never been easier. Join us at Genco and discover how we can help you achieve your financial goals while being part of a community-focused institution. Experience the benefits of membership today! For more information or assistance, don't hesitate to call us at (254) 776-9550 or visit our website at https://www.gencofcu.org/. Together, let's build a brighter future!

Branch Location & Accessibility

A Range of Services at Your Fingertips

When you visit our Valley Mills branch, you can take advantage of a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. While members can visit us at 731 N Valley Mills Dr Waco Tx 76710, official correspondence should be sent to P.O. Box 7246, Waco, TX 76714.

Convenient Access and Nearby Landmarks

Our location is not only accessible but also close to local landmarks that make it easy for you to find us. If you're near the bustling area around the Waco Mall, just a short drive away will bring you right to our doors. We provide ample parking for our members and ensure that our facility meets ADA compliance standards, making it welcoming for everyone.

Get in Touch!

We invite you to stop by or give us a call at 254-776-9550 with any questions or to learn more about how we can assist you. Experience the difference at Genco where our commitment is to provide personalized service that puts our members first!

Operating Hours Tailored for You

At Genco, we understand that your time is valuable. That's why we offer flexible operating hours: from 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Fridays, and even open until 1 PM on Saturdays for your convenience. Our drive-thru service is available during these hours as well, allowing you to handle deposits and withdrawals without leaving your car.

Member Eligibility

At Genco, we believe that everyone deserves a chance to be part of a caring community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly criteria. Whether you live, work, or attend school in the area, you're likely eligible. We also welcome family members of existing members, making it easy to share the benefits of our services with those you care about. Not only will you gain access to competitive rates on loans and savings accounts, but you'll also be part of a supportive network that truly values its members. To get started on your membership journey at Genco, simply visit us at 731 N Valley Mills Dr Waco Tx 76710 or give us a call at (254) 776-9550 for more information. For detailed eligibility requirements, check out our resource page at http://www.gencofcu.org/connect/become-a-member. And if you're ready to open an account, head over to https://www.24x7loans.com/gencofcuauto/default.aspx for easy instructions. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $912,598, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments seamlessly from your customers whether they prefer cash, card, or mobile payments. At Genco, our merchant services make it easy for you to handle transactions, giving you more time to focus on what you do best: running your business. Whether you're just starting out or looking to expand, let us partner with you at 731 N Valley Mills Dr Waco Tx 76710, Waco, TX. Together, we can help your business thrive! For more information, feel free to call us at (254) 776-9550.

Comprehensive List Of Services

Business Banking Services

At Genco, we also cater to the business community with dedicated business banking services. From merchant services that simplify transactions to business loans that support growth, we help local businesses thrive in today's market.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking options. Manage your accounts anytime, anywhere! With features like person-to-person payments and mobile payments, transferring money has never been easier. Plus, access your funds through our network of ATMs or use our drive-thru service for quick deposits and withdrawals.

Join Us Today!

No matter what your financial goals are, Genco is here to assist you. If you're ready to explore these services further or have any questions, don't hesitate to reach out at (254) 776-9550 or visit us online at Valley Mills. Your journey toward financial wellness starts here!

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that fit any lifestyle. Imagine having a reliable account where you can manage your daily expenses while earning interest on your savings. Our auto loans and vehicle financing make purchasing a new car an exciting possibility. Whether it's for a new vehicle or refinancing an existing one, our competitive rates can help you drive away with confidence. If you're considering buying a home, our mortgage loans and refinancing options are tailored to guide you through the process smoothly. We believe that owning a home should be within reach, and our knowledgeable team is here to assist you every step of the way. For those unexpected expenses or plans for consolidation, our personal loans can provide the necessary support. This is perfect for managing debt or funding personal projects without overwhelming financial stress.

Rewarding Credit Card Options

Our credit cards with rewards are designed to give you more than just purchasing power. Enjoy cashback on everyday purchases and build up points that can be redeemed for exciting rewards. It's like getting paid for spending!

Digital & Online Banking

At Genco, we understand that managing your finances should be as easy and secure as possible. That's why we offer a comprehensive range of digital and online banking services designed to fit your lifestyle. Whether you're at home or on the go, our online banking platform provides you with the tools you need to stay in control of your money. With just a few clicks at https://www.gencofcu.org/, you can access 24/7 online banking services that let you check balances, transfer funds, and pay bills anytime, anywhere. Our user-friendly mobile application makes it even easier to manage your accounts right from your smartphone. Plus, if you're looking to send money quickly to friends or family, our person-to-person transfer feature allows for quick and hassle-free transactions. We prioritize your security. Our electronic signature authorization ensures that your documents are signed safely and securely without the need for physical paperwork. And when it comes to staying organized, opting for e-statements means you'll receive your account statements electronically saving paper while keeping everything in one convenient place. Need to make payments on the go? Enjoy the convenience of mobile payments with our app, so you can pay at stores without fumbling for cash or cards. With these features, managing your finances has never been more accessible or efficient. Join us at Genco where we embrace technology that empowers our members. Experience banking that fits into your life seamlessly!

Financial Strength

Growing Membership

We are proud of our growing member base with a total of 69,515 share accounts. This reflects the trust placed in us by the community as we work together towards achieving financial goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Genco is your trusted partner. Visit us at 731 N Valley Mills Dr Waco Tx 76710 or call (254) 776-9550 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investing Back into Our Community

With $56,709,337 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to our community is reflected in our lending capacity supporting members' financial goals with $6,184 in used auto loans and $221,224,571 in total loans and leases.

Member-Focused Savings

Members' savings are secured through $83,504,561 in share certificates and $34,641,987 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is evident in our reported $0, enabling us to continue offering competitive loan rates and solid financial products for our members. This efficiency is supported by a dedicated team of 90 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with knowledgeable support.

Strong Financial Health

With a net worth of $56,824,780, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,279 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

At Genco, we understand that life can bring unexpected expenses or new opportunities, and having the right financial support is essential. Our diverse range of loan products is designed to help our members navigate their financial journeys with confidence. Whether you're looking to purchase a vehicle, buy a home, or manage your everyday expenses, we have options tailored for you. With over 16886 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among our community. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $121,852,490 in used vehicle loans and $52,224,791 in new vehicle loans already helping members get on the road. If homeownership is on your mind, we can assist you with that too! Our mortgage options include Junior Lien 1-4 Family Residential Property loans totaling $1,490,593, making buying or refinancing simple and straightforward. For those who prefer flexibility in managing their finances, we also provide unsecured credit card loans with a total of $2,739,680 available to help our members make purchases and handle expenses as they arise. And if you're a business owner looking for support, our outstanding commercial loans totaling $912,598 are designed to provide the capital needed to grow and expand your business. We encourage all potential borrowers to explore our refinancing options as well. Refinancing can be a great way to lower your monthly payments or change the terms of your loan to better fit your current financial situation. To find out more about eligibility requirements and how to apply for any of these loan products, feel free to contact us at (254) 776-9550, or visit us at 731 N Valley Mills Dr Waco TX 76710. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Genco, we are committed to providing personalized service and competitive rates that meet your unique needs. Reach out today to see how we can help you take the next step toward achieving your financial dreams!

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