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1225 Airway Blvd
El Paso, TX 79925

GECU is a Texas-based credit union that offers personal and business banking products and services, along with access to various individual investment products. The credit union’s acronym, GECU, stands for Government Employees Credit Union, which embodies the original purpose of the financial institution. Since its inception, GECU has broadly expanded its membership eligibility to include consumers who live in close proximity to a branch.

GECU’s personal banking products include checking, savings, Money Market, CD, and IRA CD accounts. Its checking account options have no monthly service or activity fees and require a relatively low average daily balance minimum in order to earn interest. A basic savings account is offered and includes a free GECU ATM card, free ATM access, and no monthly service fee. Several other savings accounts designed for youth of different ages and seniors are available, as well, and pay dividends. Several CD options are available to meet consumers’ savings goals at different stages of life. One CD account is designed for seniors and adds basis points on top of the interest rate for any CD. There is also a CD with a small minimum balance requirement that makes it easy to get a ladder started with limited funds. Similar accounts are available on the business banking side, and a business resource center is offered to provide information on relevant small business needs.

GECU online banking offers customers access to their accounts via the credit union’s web-based platform. Account management activities can be performed, including Bill Pay, money transfers, direct deposit, and financial management software integration. Mobile banking services are also available and provide access to the mobile-optimized website as well as mobile banking apps that make banking via smartphone and tablet devices simple and convenient. GECU’s website also provides a number of financial calculators and worksheets to help with budgeting and mortgage processes.

GECU was originally organized and chartered in 1932 when a group of civil servants pooled their money together to provide banking services to members of the El Paso community. Since then, the credit union has grown to serve hundreds of thousands of members and is currently headquartered in El Paso, Texas. It serves its members through multiple branches located in the El Paso area.

Field of Membership Restrictions

Membership in GECU is open to those who live, work, attend school or worship in El Paso, or Hudspeth Counties in Texas and in Doria Ana County within a 25-mile radius of the 1500 North Resler Branch office.
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Health Grade Components

NCUA #60058
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.49%
Annual Interest Income$110.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$2.49B$2.31B
LoansQ4 2016vs Q4 2015$2.21B$1.96B
DepositsQ4 2016vs Q4 2015$2.14B$2.01B
Equity CapitalQ4 2016vs Q4 2015$234.3MM$216.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$20.3MM$14.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$24.7MM$19.3MM
Real Estate OwnedQ4 2016vs Q4 2015$1.1MM$5.8MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

GECU Savings Account Rates

0.35%$20-IRA Savings
0.25%$20-Youth Savings
0.25%$100-Business Savings
0.20%--Christmas Club

GECU Money Market Rates

1.00%*$500k*-Money Market
OTHER TIERS: 0.30% $2,500 - $5k | 0.35% $5k - $10k | 0.45% $10k - $25k | 0.55% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $250k | 0.85% $250k - $500k

GECU Checking Account Rates

0.10%$2,500-Standard Checking
0.10%$2,500-Senior Privilege Checking
0.10%$5k-Business Plus Interest plus


2.22%$50k-60 Month Bump Up Jumbo CD - Monthly APY
2.00%$1k-60 Month Senior Privilege CD-Annually APY
1.85%$1k-60 Month CD-Annually APY
1.85%$1k-60 Month Business CD-Annually APY
1.76%$1k-30 Month Senior Privilege CD-Annually APY
1.75%$1k-36 Month Senior Privilege CD-Annually APY
1.75%$1k-48 Month Senior Privilege CD-Annually APY
1.61%$1k-30 Month CD-Annually APY
1.61%$1k-30 Month Business CD-Annually APY
1.60%$1k-36 Month CD-Annually APY
1.60%$1k-48 Month CD-Annually APY
1.60%$1k-36 Month Business CD-Annually APY
1.60%$1k-48 Month Business CD-Annually APY
1.46%$1k-18 Month Senior Privilege CD-Annually APY
1.45%$1k-24 Month Senior Privilege CD-Annually APY
1.31%$1k-18 Month CD-Annually APY
1.31%$1k-18 Month Business CD-Annually APY
1.30%$1k-24 Month CD-Annually APY
1.30%$1k-24 Month Business CD-Annually APY
1.10%$50k-12 Month Senior Privilege Fixed Jumbo CD-Annually APY
1.00%$50-12 Month Senior Privilege Fixed CD-Annually APY
0.95%$50k-12 Month Fixed Jumbo CD-Annually APY
0.95%$50k-12 Month Fixed-Rate Jumbo Business CD-Annually APY
0.95%$100k-12 Month Business CD
0.95%$100k-12 Month CD
0.85%$50-12 Month Fixed CD-Annually APY
0.85%$2,500-6 Month Senior Privilege CD
0.85%$50-12 Month Fixed-Rate Business CD-Annually APY
0.70%$2,500-6 Month CD
0.70%$2,500-6 Month Business CD
0.65%$2,500-3 Month Senior Privilege CD
0.50%$2,500-3 Month CD
0.50%$2,500-3 Month Business CD


2.10%$1k-60 Month Senior Privilege IRA-Annually APY
1.95%$1k-60 Month IRA-Annually APY
1.86%$1k-30 Month Senior Privilege IRA-Annually APY
1.85%$1k-36 Month Senior Privilege IRA-Annually APY
1.85%$1k-48 Month Senior Privilege IRA-Annually APY
1.71%$1k-30 Month IRA-Annually APY
1.70%$1k-36 Month IRA-Annually APY
1.70%$1k-48 Month IRA-Annually APY
1.56%$1k-18 Month Senior Privilege IRA-Annually APY
1.55%$1k-24 Month Senior Privilege IRA-Annually APY
1.41%$1k-18 Month IRA-Annually APY
1.40%$1k-24 Month IRA-Annually APY
1.20%$50k-12 Month Jumbo Senior Privilege Fixed IRA-Annually APY
1.10%$50-12 Month Senior Privilege Fixed IRA-Annually APY
1.05%$50k-12 Month Fixed Jumbo IRA-Annually APY
0.95%$50-12 Month Fixed IRA-Annually APY
0.95%$2,500-6 Month Senior Privilege IRA
0.80%$2,500-6 Month IRA
0.75%$2,500-3 Month Senior Privilege IRA
0.60%$2,500-3 Month IRA

GECU has 22 locations. Click to view all GECU locations.