How do I know if I qualify for membership with GFCU?


Membership is open to anyone who lives, works, worships, volunteers, attends school, or owns and business in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina and/or Wilson County, Texas. All immediate family members of those listed above are also eligible for membership. Visit our Membership Eligibility page and apply for membership today!


What is the difference between a bank and a credit union?

The main difference between a credit union and a bank is that banks are for-profit institutions, whereas credit unions are not-for-profit. Banks are run by shareholders, whereas credit unions are run by a member-elected board of other members. Credit unions typically offer fewer fees, lower loan rates and higher deposit rates than banks do.


Can I open a new account online?


Yes. You must be at least 18 years of age. Start your application today! 



Where can I find my full account number?

It can be found in your Online Banking portal by clicking on your main Savings account tile, then selecting the “Details” tab for the account.


Where can I see a listing of all GFCU current rates?


Visit our Rates Page. From here, you can navigate through the horizontal page menu to see a full listing of current loan and deposit rates.


Where can I find a list of your locations and hours?


Please visit our Locations Page to view Branches, ATMs and Shared Branching locations.


What consumer checking account options does GFCU offer?


We have a Basic Checking Account and a MyAdvantage Checking Account. You can see the two accounts compared here.


Is there any charge for my debit card once I open my checking account?


No. When you open a checking account with us, you’ll receive a personalized debit card at no additional cost.


Can I deposit checks on your mobile app?

Yes. Eligible members can use Smart Deposit on their mobile app to deposit checks.


Is there a fee to use your checking accounts?


There is no fee to use our Basic Checking account. Our MyAdvantage Checking account is $5 per month, but with that minimal fee comes substantial value-added savings. There are benefits such as identity theft protection and monitoring, cell phone protection, travel and leisure discounts and shopping rewards, just to name a few!


How do I reset my PIN number?


Call PIN NOW at 1-888-891-2435.


How do I dispute debit card transactions?

Please call 1-800-232-8178 during the credit union’s normal business hours. Hours of operation can be viewed here.


Do I need to inform Generations FCU if I’ll be traveling with my card(s)?

Yes, we are constantly monitoring your account(s) for fraud, so any transactions that happen outside of your normal transaction area will alert us of potential suspicious activity. We ask that you let us know before you’ll be traveling.


How do I open a new savings account online?

Visit our Savings Page to review which savings account is right for you and start your application online.


What are your current rates for Certificates and IRAs?

View our current rates for certificates and IRAs, as well as apply online!


How do I register for access to the MyCardInfo site?

Please watch the tutorial video or you can review the MyCardInfo Enrollment Guide for assistance in registering. You can also call our 24/7 Customer Service Center at 1-844-697-2552.


What account number do I enter when enrolling my credit card on the MyCardInfo site?

Your Account Number is your 16-digit credit card number.


How do I reset my PIN number?

Call PIN NOW at 1-888-891-2435.


How do I dispute credit card transactions?

You can dispute credit card transactions 24 hours a day, 7 days a week by calling 1-844-697-2552.


How can I set up an autopay from my credit card?

You can set up auto payments from the MyCardInfo website.


Where can I view my credit card balance, transactions and payment information?

All of this information can be viewed and managed on the MyCardInfo website.


Where can I get more information about MyCardInfo?

We have put together more detailed information on our MyCardInfo Member Information Page.


Do I need to inform Generations FCU if I’ll be traveling with my card(s)?

Yes, we are constantly monitoring your account(s) for fraud, so any transactions that happen outside of your normal transaction area will alert us of potential suspicious activity. We ask that you let us know before you’ll be traveling. You can also set your own travel suppression on MyCardInfo for your convenience.


I’m interested in opening an account and/or applying for a loan for my business. What do I do next?

Please reach out to one of our Commercial Services Specialists at 210-767-5202 to get started.


I’m a GFCU commercial member and I’d like to conduct a Wire Transfer.

Please give our Commercial Services team a call at 210-767-5202 for assistance.


What factors should I consider when looking to get a land loan?

  • Down Payment: How much cash do you plan to put down for the purchase? GFCU typically requires a down payment of at least 35% at the origination of the land loan.
  • Rates: Fixed rates at 5, 7 & 10 years are offered. Typically, the rate is contingent upon the underwriting process and review of the assigned lender.
  • Payments: Payments are typically based on a 15-year amortization.
  • Land Purpose: What is planned to be built on the land? Is it for business purposes? The borrower must disclose the reason for acquiring the land. If the borrower’s plan for the land is to build their homestead, GFCU Commercial Services will not accept the loan request.
  • Land Access: Does the land have access to all utilities (i.e. electricity, sewer, gas, etc.)?

If you have any other questions regarding land loans, the GFCU Commercial Services team is available to assist you at 210-767-5208 or commerciallending@mygenfcu.org.


Can I apply for an auto loan online?


Yes. Read more, view rates and apply for a GFCU auto loan here.


If I have a used vehicle can I still get the 1.99% interest rate?


Yes. The rate on your loan is based on several different factors related to creditworthiness; however, an applicant can receive a rate as low as 1.99% APR on a new vehicle as well as a used vehicle that is no more than ten years old. Please note that the rate of 1.99% APR also includes a rate discount of 0.25% for auto loans that are enrolled in automatic payments from a GFCU MyAdvantage Checking account at the time of loan closing.


How can I refinance my auto loan?

GFCU offers great auto loan options. Visit our Auto Loans page to see more details and complete terms.


Can I apply for an auto loan if I have not found the car I want?

Yes, you can apply for an auto loan here before you have selected the vehicle you want. If you are pre-approved, your interest rate will be guaranteed for 30 days.


I received a letter about forced placed insurance on my auto loan.

Please review your current insurance policy for a lapse in coverage, incorrect lien information, or liabilities. You should also forward your updated Declarations page to your insurance company and fisupport@swbc.com for review.


What number do I call if I have more questions about the loan process?

Please call our Consumer Loan Specialists at 210-349-LOAN (5626).


How do I apply for a new mortgage or refinance?

  • Online – See current rates, terms, details and apply here.
  • By Phone – Speak to one of our Home Loan Specialists at 210-230-9380 to get your application started.


Do you offer 15-year mortgage term?

Yes. We offer 15-, 20- and 30-year terms depending on the specific loan details.


Where do I go to see last month’s statement?

From your Online Banking portal or Mobile App, go to Services, then select Statements from the dropdown list.


I forgot my Online Banking/Mobile Banking password. How do I reset it?

Click on the Forgot your password link and follow the on-screen prompts to reset it. If you have forgotten your Username, please call 210-229-1128 and one of our Member Service Representatives can assist you.


Where can I find my account number in Online Banking/Mobile Banking?

It can be found by clicking on your main Savings account tile, then selecting the Details tab for the account.


How do I sign up for eStatements?

From your Online Banking portal or Mobile App, click on Services and then Statement Delivery Preference and follow the on-screen prompts. 


How can I see images of past checks that I have deposited into my account in the app?

From your Mobile Banking App, click on Transactions > Activity Center > Deposited Checks or Transactions > Smart Deposit. When the Smart Deposit screen displays, there will be a green text link on the right side that says Deposit History. This will show you any of your past mobile deposits.


How can I update my address, phone number and/or email address online?

From your Online Banking portal or Mobile App, click on Settings and then Manage Contact Info. From there you can select to review and/or update your physical address, mailing address, email address and/or phone number.


How can I transfer money to another financial institution? 


From your Online Banking portal or Mobile App, click on Transactions and then Add External Account. You will need the financial institution’s Routing Number and the Account Number of the account you would like to add. Once you have followed the on-screen prompts to add the External Account, GFCU will send two test transactions to the added account and ask you to verify that the test transactions were received. Once you see the two test transactions in your External Account, please log back into your Online Banking portal or Mobile App and select Verify External Account and follow the on-screen prompts to complete setup.


Where can I find a list of all the ATMs I have access to?

You can find an updated list of ATM locations on our ATM & Shared Branch Locator Page. GFCU is part of the CO-OP ATM Network and Dolphin Debit ATM Network giving you access to nearly 30,000 ATMs nationwide.


Do your ATMs accept deposits?

There are several ATMs within the CO-OP ATM Network in San Antonio that accept deposits. You can find these locations using the online locator. You can also download the mobile app for your iPhone or Android device. 


How does Shared Branching work?

Shared Branching is a national network of credit unions from all over the country that share facilities to give members thousands of convenient locations to perform transactions just as if they were at their home credit union.


How many credit union locations are there in the Shared Branching Network?


There are more than 5,000 credit union branches nationwide in the CO-OP Shared Branching Network.


How can I see which credit union locations are in the Shared Branching Network?

Search and find credit union shared branches using the online locator.


Do you offer notary services? Is there a fee?


Yes we do offer notary services with no fee. Please call 210-229-1128 to make an appointment.


How can I change my address?

From your Online Banking portal or Mobile App, click on Settings and then Manage Contact Info. From there you can select to review and/or update your physical address, mailing address, email address and/or phone number.