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Overview / Commentary
915-778-9221
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 eligibility to join the GECU of Texas is open to the residents and the people that maintain employment within these qualified counties: El Paso, Hudspeth, and Doria Ana within 25-miles of the 1500 North Resler Branch office, and the family members of the current credit union members.
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Health
B+

Health Grade Components

Overall
NCUA #60058
Year Chartered1932
Employees738
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.94%
Annual Interest Income$97.4MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$2.31B$2.12B
LoansQ4 2015vs Q4 2014$1.96B$1.73B
DepositsQ4 2015vs Q4 2014$2.01B$1.86B
Equity CapitalQ4 2015vs Q4 2014$216.0MM$197.4MM
Loan Loss AllowanceQ4 2015vs Q4 2014$14.9MM$13.7MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$19.3MM$16.4MM
Real Estate OwnedQ4 2015vs Q4 2014$5.8MM$8.2MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$20-IRA Savings
0.30%--Christmas Club
0.25%$100-Savings
0.25%$20-Youth Savings
0.25%$100-Business Savings

GECU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

GECU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.22%$50k-60 Month Bump Up Jumbo CD - Monthly APY
2.12%$2,500-60 Month Bump Up CD - Monthly APY
1.97%$1k-60 Month Senior Privilege CD-Monthly APY
1.95%$1k-60 Month Senior Privilege CD-Annually APY
1.81%$1k-60 Month Business CD-Monthly APY
1.81%$1k-60 Month CD-Monthly APY
1.80%$1k-60 Month CD-Annually APY
1.80%$1k-60 Month Business CD-Annually APY
1.56%$1k-30 Month Senior Privilege CD-Annually APY
1.56%$1k-30 Month Senior Privilege CD-Monthly APY
1.56%$1k-36 Month Senior Privilege CD-Monthly APY
1.56%$1k-48 Month Senior Privilege CD-Monthly APY
1.55%$1k-36 Month Senior Privilege CD-Annually APY
1.55%$1k-48 Month Senior Privilege CD-Annually APY
1.41%$1k-30 Month CD-Annually APY
1.41%$1k-30 Month Business CD-Annually APY
1.41%$1k-30 Month Business CD-Monthly APY
1.41%$1k-30 Month CD-Monthly APY
1.41%$1k-36 Month Business CD-Monthly APY
1.41%$1k-36 Month CD-Monthly APY
1.41%$1k-48 Month Business CD-Monthly APY
1.41%$1k-48 Month CD-Monthly APY
1.40%$1k-36 Month CD-Annually APY
1.40%$1k-48 Month CD-Annually APY
1.40%$1k-36 Month Business CD-Annually APY
1.40%$1k-48 Month Business CD-Annually APY
1.36%$50k-24 Month Jumbo SmartStep Senior Privilege CD - Monthly APY
1.26%$1k-18 Month Senior Privilege CD-Annually APY
1.26%$2,500-24 Month SmartStep Senior Privilege CD - Monthly APY
1.26%$50k-18 Month Jumbo Bump-Up CD - Monthly APY
1.26%$1k-18 Month Senior Privilege CD-Monthly APY
1.26%$1k-24 Month Senior Privilege CD-Monthly APY
1.25%$1k-24 Month Senior Privilege CD-Annually APY
1.21%$50k-24 Month Jumbo SmartStep CD - Monthly APY
1.21%$50k-24 Month Jumbo SmartStep Business CD - Monthly APY
1.15%$5k-18 Month Bump-Up CD - Monthly APY
1.11%$1k-18 Month CD-Annually APY
1.11%$1k-18 Month Business CD-Annually APY
1.11%$2,500-24 Month SmartStep Business CD - Monthly APY
1.11%$2,500-24 Month SmartStep CD - Monthly APY - Monthly APY
1.11%$1k-18 Month Business CD-Monthly APY
1.11%$1k-18 Month CD-Monthly APY
1.11%$1k-24 Month Business CD-Monthly APY
1.11%$1k-24 Month CD-Monthly APY
1.10%$1k-24 Month CD-Annually APY
1.10%$1k-24 Month Business CD-Annually APY
1.00%$50k-12 Month Senior Privilege Fixed Jumbo CD-Annually APY
1.00%$50k-12 Month Senior Privilege Fixed Jumbo CD-Monthly APY
0.90%$50-12 Month Senior Privilege Fixed CD-Annually APY
0.90%$50-12 Month Senior Privilege Fixed CD-Monthly APY
0.85%$50k-12 Month Fixed Jumbo CD-Annually APY
0.85%$50k-12 Month Fixed-Rate Jumbo Business CD-Annually APY
0.85%$50k-12 Month Fixed Jumbo CD-Monthly APY
0.85%$50k-12 Month Fixed-Rate Jumbo Business CD-Monthly APY
0.85%$100k-12 Month Business CD
0.85%$100k-12 Month CD
0.75%$50-12 Month Fixed CD-Annually APY
0.75%$2,500-6 Month Senior Privilege CD
0.75%$50-12 Month Fixed-Rate Business CD-Annually APY
0.75%$50-12 Month Fixed CD-Monthly APY
0.75%$50-12 Month Fixed-Rate Business CD-Monthly APY
0.60%$2,500-6 Month CD
0.60%$2,500-3 Month Senior Privilege CD
0.60%$2,500-6 Month Business CD
0.45%$2,500-3 Month CD
0.45%$2,500-3 Month Business CD

GECU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.33%$50k-60 Month Jumbo Bump Up IRA - Monthly APY
2.22%$2,500-60 Month Bump Up IRA - Monthly APY
2.07%$1k-60 Month Senior Privilege IRA-Monthly APY
2.05%$1k-60 Month Senior Privilege IRA-Annually APY
1.91%$1k-60 Month IRA-Monthly APY
1.90%$1k-60 Month IRA-Annually APY
1.66%$1k-30 Month Senior Privilege IRA-Annually APY
1.66%$1k-30 Month Senior Privilege IRA-Monthly APY
1.66%$1k-36 Month Senior Privilege IRA-Monthly APY
1.66%$1k-48 Month Senior Privilege IRA-Monthly APY
1.65%$1k-36 Month Senior Privilege IRA-Annually APY
1.65%$1k-48 Month Senior Privilege IRA-Annually APY
1.51%$1k-30 Month IRA-Annually APY
1.51%$1k-30 Month IRA-Monthly APY
1.51%$1k-36 Month IRA-Monthly APY
1.51%$1k-48 Month IRA-Monthly APY
1.50%$1k-36 Month IRA-Annually APY
1.50%$1k-48 Month IRA-Annually APY
1.46%$50k-24 Month Jumbo SmartStep Senior Privilege IRA - Monthly APY
1.36%$1k-18 Month Senior Privilege IRA-Annually APY
1.36%$2,500-24 Month SmartStep Senior Privilege IRA - Monthly APY
1.36%$1k-18 Month Senior Privilege IRA-Monthly APY
1.36%$1k-24 Month Senior Privilege IRA-Monthly APY
1.36%$50k-18 Month Jumbo Bump Up IRA - Monthly APY
1.35%$1k-24 Month Senior Privilege IRA-Annually APY
1.31%$50k-24 Month Jumbo SmartStep IRA - Monthly APY
1.26%$5k-18 Month Bump Up IRA - Monthly APY
1.21%$1k-18 Month IRA-Annually APY
1.21%$2,500-24 Month SmartStep IRA - Monthly APY
1.21%$1k-18 Month IRA-Monthly APY
1.21%$1k-24 Month IRA-Monthly APY
1.20%$1k-24 Month IRA-Annually APY
1.10%$50k-12 Month Jumbo Senior Privilege Fixed IRA-Annually APY
1.10%$50k-12 Month Jumbo Senior Privilege Fixed IRA-Monthly APY
1.00%$50-12 Month Senior Privilege Fixed IRA-Annually APY
1.00%$50-12 Month Senior Privilege Fixed IRA-Monthly APY
0.95%$50k-12 Month Fixed Jumbo IRA-Annually APY
0.95%$50k-12 Month Fixed Jumbo IRA-Monthly APY
0.85%$50-12 Month Fixed IRA-Annually APY
0.85%$2,500-6 Month Senior Privilege IRA
0.85%$50-12 Month Fixed IRA-Monthly APY
0.70%$2,500-6 Month IRA
0.70%$2,500-3 Month Senior Privilege IRA
0.55%$2,500-3 Month IRA
Locations

GECU has 21 locations. Click to view all GECU locations.