Overview / Commentary
813-871-2690
711 E Henderson Ave
Tampa, FL 33602

GTE Financial is a member-owned federal credit union chartered in the midst of the Great Depression that offers a variety of depository banking and lending products. It is an active participant in serving organizations located in the community it serves and also helps businesses with growth and start-up financing.

On its personal banking side, GTE Financial offers savings, checking, money market, share certificate, IRA, and credit card accounts to meet the needs of it membership. Its checking account options include a basic, free account that is eligible for a member advantage program, and a youth account that comes with reduced insufficient fund charges and once-a-month forgiveness for overdraft fees. Both checking accounts come with unlimited check writing, referral incentives, and free debit cards. A basic savings account as well as a money market account are available and offer interest at varying levels based on account balances. Share certificates and IRA certificates range in term lengths from 6 to 60 months. GTE’s rewards program offers cash back incentives for using its Visa credit card or MasterCard debit card.

GTE Financial online banking provides a web-based platform for members to manage their accounts, pay bills, transfer funds and make loan payments. The credit union is part of the CO-OP ATM network and allows free money withdrawal from an ATM that is part of the network. GTE also provides financial education and resources to help guide members through decisions related to purchasing a mortgage and opening up various deposit accounts.

GTE Financial was originally chartered in 1935 and is headquartered in Tampa, Florida. The credit union serves hundreds of thousands of members through a number of branches spread across the state of Florida.

Field of Membership Restrictions

Membership in GTE Financial is open to anyone through joining CUSavers ($10 one-time membership fee). Membership is also open to those who live, work, attend school or worship in select areas of zip codes 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33610, and 33619 in the Tampa area.
See current membership details

Related Posts

GTE Financial Offers Promo CDs With Unlimited Add-Ons - 11/27/2018

GTE Financial (easy membership) is offering Promo CDs with unlimited additional add-on deposits, including 60-month (3.04% APY). $500 min deposit of new money.

GTE Add-On Share Certificate Specials Are Back - 9/7/2018

Don't seem nearly as competitive as they did a year ago. Luckily, they were (and these new ones still are) add-on CDs with a low minimum opening balance of $500. For comparison, one of the more popular terms, 30 months, went up from 2.53% a year ago to 2.78% for balances less than $100k. https://www.gtefinancial.org/for-members/current-offers/share-certificate-special/share-certificate-special

GTE: 5-Yr. 3.04% APY; 3.30% For Iras; $500 Minimum - 7/13/2018

limited-time special; basic info at https://www.gtefinancial.org/for-members/current-offers/share-certificate-special more info at https://www.gtefinancial.org/for-members/current-offers/share-certificate-special/share-certificate-special-faq

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Phenomenal Customer Service For New Account

Posted by: amn | Oct 18, 2017

I just had one of the BEST Customer Service experiences EVER while opening a new account at GTE Financial. Not only was their website a joy to navigate (unlike most others I've dealt with), the phone support I needed (having recently frozen my credit reports at all major bureau's) was superb. Service Rep walked me (by phone) through every convoluted step required to temporarily unlock my credit freezes. I haven't had such a positive experience at a financial institution in years! And their current CD rates are the icing on the cake!

Good service and convenience.

I have been a member of GTE Financial since 2014. I set up direct deposit with them through my new job in 2014, and have been pleased by their service and convenience. They do not have many locations, but one is a 30 second walk from my office and has a 24 hour ATM. In addition it is staffed by students who have great customer skills and greet me every time. There was one issue where I had difficulty depositing larger sums of cash ($300-500), due to rent money from a tenant, but it was resolved in less than a day. As a credit union, I have access to my checking account through multiple ATMS in 7-11 convenience stores which I use often. I cannot deposit checks (or cash) through those non-GTE financial ATMs, but they do have a deposit-on-the-go APP, so I can take a picture of the check to deposit and it goes right in. Their savings requirement is only $5- which is also nice.I really only use them for checking purposes and never had any major problems so far!

Watch Those Fees

Posted by: Anon456 | Oct 27, 2017

Just realized today that the CD special ends friday. Got money moved around, and made a deposit via the shared branch. Then I got hit with a $3 fee for using the shared branch.

Free checking, as long as you buy checks.

Going to have to spend some time to discover other fees that may show up. I agree with ENDUSER, great rates but lots of gotchas. Watch out. I do not recommend them unless you are gong to have huge CDs to make up for the fees.

HSA - fees. IRA - fees. Want basic checks - $$. External transfer - $$

AND watch out for 6 months on dormancy.

I think there is a charge for coming, and going.

Take Your Money And Move It Quickly

Posted by: lake | Mar 17, 2019

This was a decent little credit union 10 years ago, but over the last two years they have cut customer services, removed tellers from branches, hiked fees for every service they provide, and added new fees for every type of account. They are now changing their fee structure again so you never know from month to month what new fee you are going to be levied.

You would be better off doing business with any other bank or credit union in the state at this point. GTE has lost their customer focus and no longer cares about it's members. I am sure some exec is going to get a big bonuses from all the new fee revenue. Close your account and run before they steal even more from you.

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Health

Health Grade Components

Overall
NCUA #196
Year Chartered1935
Employees440
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD7.55%
Annual Interest Income$75.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$2.09B$1.98B
LoansQ4 2018vs Q4 2017$1.84B$1.67B
DepositsQ4 2018vs Q4 2017$1.80B$1.81B
Equity CapitalQ4 2018vs Q4 2017$166.3MM$152.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$13.6MM$15.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$20.1MM$29.0MM
Real Estate OwnedQ4 2018vs Q4 2017$1.2MM$200.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not GTE Financial; we are a rate comparison website and cannot provide official rates or promotions.

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

GTE Financial Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.99%*-$500Early Saver Account
OTHER TIERS: 0.10% $500+
1.00%*$100k*-IRA Savings
OTHER TIERS: 0.35% $2.5k - $10k | 0.45% $10k - $50k | 0.75% $50k - $100k
0.40%--HSA Checking
0.10%$100-Regular Share Savings
0.10%$100-Special Savings Account
0.10%$100-Future Change Savings - App Required

GTE Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Money Market
OTHER TIERS: 0.35% $2.5k - $10k | 0.45% $10k - $50k | 0.75% $50k - $100k

GTE Financial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%-$3kGo Premium with GTE Secure
0.15%--Business Interest Checking

GTE Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$100k-60 Month Jumbo Share Certificate Special
3.20%$100k-48 Month Jumbo Share Certificate Special
3.09%$100k-36 Month Jumbo Share Certificate Special
3.04%$500-60 Month Share Certificate Special
3.04%$500-60 Month Add-on Share Certificate Special
2.94%$500-48 Month Add-On Share Certificate Special
2.94%$100k-30 Month Jumbo Share Certificate Special
2.94%$500-48 Month Share Certificate Special
2.84%$500-36 Month Add-On Share Certificate Special
2.84%$500-36 Month Share Certificate Special
2.78%$100k-24 Month Jumbo Share Certificate Special
2.68%$500$100k30 Month Add-on Share Certificate Special
2.68%$500-30 Month Share Certificate Special
2.53%$500$100k24 Month Add-on Share Certificate Special
2.53%$500-24 Month Share Certificate Special
2.53%$100k-18 Month Jumbo Share Certificate Special
2.27%$500$100k18 Month Add-on Share Certificate Special
2.27%$500-18 Month Share Certificate Special
2.27%$100k-12 Month Jumbo Share Certificate Special
2.02%$500$100k12 Month Add-on Share Certificate Special
2.02%$500-12 Month Share Certificate Special
1.51%$100k-6 Month Jumbo Share Certificate Special
1.26%$500$100k6 Month Add-on Share Certificate Special
1.26%$500-6 Month Share Certificate Special
0.60%$100-12 Month Add-On Youth Share Certificate

GTE Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$500-60 Month IRA Special
2.94%$500-60 Month IRA
2.94%$500-48 Month Add-On IRA Special
2.84%$500-36 Month Add-On IRA Special
2.68%$500-48 Month IRA
2.68%$500-30 Month Add-on IRA Special
2.53%$500-30 Month Step Up IRA
2.53%$500-36 Month IRA
2.53%$500-24 Month Add-on IRA Special
2.27%$500-30 Month IRA
2.27%$500-18 Month Add-on IRA Special
2.17%$500-24 Month IRA
2.02%$500-18 Month IRA
2.02%$500-12 Month Add-on IRA Special
1.87%$100$6k12 Month Add-on IRA
1.26%$500-6 Month Add-on IRA Special
1.16%$500-6 Month IRA
0.60%$100-12 Month Add-On Youth IRA
Locations

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