Greater Central Texas Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

gctfcu.net

254-690-2274

3305 E Elms Rd
Killeen, TX 76542

Greater Central Texas Federal Credit Union is headquartered in Killeen and is the 218^th largest credit union in the state of Texas. It is also the 2,796^th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 7 employees and 2,152 members at 1 location. Greater Central Texas Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Greater Central Texas Federal Credit Union is open to those who live, work, or worship in western Bell County, TX; west of I-35.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Greater Central Texas Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	11995
Year Chartered	1957
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	1.27%
Return on Equity - YTD	11.84%
Annual Interest Income	$336K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$33.6MM$31.9MM
Loans	Q1 2025vs Q1 2024	$9.9MM$8.8MM
Deposits	Q1 2025vs Q1 2024	$30MM$28.8MM
Equity Capital	Q1 2025vs Q1 2024	$3.5MM$3.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$18K$58K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$9K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Greater Central Texas Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$20	-	Savings Account

Greater Central Texas Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $25k

Greater Central Texas Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$1k	-	24 Month CD
3.03%	$1k	-	36 Month CD
2.53%	$1k	-	12 Month CD
2.27%	$1k	-	6 Month CD

Greater Central Texas Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	IRA Savings Account

Locations

Greater Central Texas Federal Credit Union Locations
Branch Office	3305 E Elms Rd	Killeen, TX 76542

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