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GTE Financial


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 Ups 12-Month Add-On IRA To 3.30% APY - 7/19/2019

GTE Financial (easy membership) raised the rate on its 12-month Add-On IRA Special to 3.30% APY. Min deposit is $500, with additional deposits capped at $5.5k or $6.5k.

0.25% Rate Bump For CD Renewal - 4/16/2019

Yesterday, I got a call from GTE offering a 0.25% rate bump on any CD term if I used the proceeds of the matured CD as the source of funds. It didn't strike me as a great deal, but it is a data point to consider.

GTE Financial Has Promo CDs With Unlimited Add-Ons - 3/29/2019

GTE Financial (easy membership) is offering unlimited additional deposits on Share Certificates, including a 60-month (3.04% APY, $500 or 3.30% APY, $100k). New money.

View all posts from:


Working With GTE Financial

Posted by: HZ | Jul 5, 2019

I opened 4 cds with GTE over the last several months - since April. They were all ADD ON cds - I can add whateversum of money i care to add and keep getting the same rates as when i opened them. The rates were between 3.20 and 3.25. i went there in person and they were very easy to deal with. At one time a rate changed and they honored the rate from the week before. They also let me open business CDs at the same rate as my personal. It is very hard for me to find Credit Unions that offer business CDs. I would recommend GTE financial to anyone. I now have 3.20 to 3.25 rates locked in for the next 5 years.

Happy Customer

Posted by: jstern | Jul 3, 2019

As someone who just opened a trust savings account and Jumbo $100k add-on CD at GTE Financial, I only have good things to say. While they needed to email me trust forms that required 2 notarials, I had no problem wiring in funds from Fido and emailing back their forms. They honored the higher rate, even though the rate dropped as I was completing opening my CD account. Yes, they did a hard pull credit report and needed the normal personal documentation, but used the trust certification form in lieu of my needing to supply actual trust docs. Kudos to Julie, who helped me through their process in a few days. And IMO they could use a more robust web site, so keep that in mind.

Not Thrilled By Hard Credit Pull.

Posted by: pjmltd1 | Jul 4, 2019

Happy to get the promo CD with add on for 5 years, but was surprised when I immediately received notification of a hard Equifax pull. I am giving you money GTE, not asking for any from you.

Great for everyday banking

To be honest, I don't use GTE for car loans or mortgages (though my mother does). I do, however, use them for basic everyday banking and have done so since high school. They're great for basic credit and debit needs, and I will look into them for other rates in the future.

VIEW MORE REVIEWS

Health
B+

Health Grade Components

Overall
NCUA #196
Year Chartered1935
Employees438
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD5.24%
Annual Interest Income$20.6MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$2.12B$2.08B
LoansQ1 2019vs Q1 2018$1.86B$1.71B
DepositsQ1 2019vs Q1 2018$1.89B$1.90B
Equity CapitalQ1 2019vs Q1 2018$168.5MM$154.2MM
Loan Loss AllowanceQ1 2019vs Q1 2018$13.2MM$15.2MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$16.5MM$25.0MM
Real Estate OwnedQ1 2019vs Q1 2018$1.2MM$118.00K
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+
1.76%*$75k*-Non-Profit Savings
OTHER TIERS: 0.15% $2.5k - $25k | 1.51% $25k - $75k
1.51%*$75k*-Business Advantage Savings
OTHER TIERS: 0.15% $2.5k - $2.5k | 1.26% $25k - $25k
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
2.02%*$100k*-High Yield Money Market
OTHER TIERS: 1.00% $10k - $100k
1.00%*$100k*-Money Market
OTHER TIERS: 0.35% $2.5k - $10k | 0.45% $10k - $50k | 0.75% $50k - $100k
0.25%*$50k*-Business Money Market
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $50k

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
3.30%$100k-60 Month Jumbo Add-on Share Certificate Special
3.20%$100k-48 Month Jumbo Share Certificate Special
3.20%$100k-48 Month Jumbo Add-on Share Certificate Special
3.09%$100k-36 Month Jumbo Share Certificate Special
3.09%$100k-36 Month Jumbo Add-on Share Certificate Special
3.04%$500-60 Month Share Certificate Special
3.04%$500-60 Month Add-on Share Certificate Special
3.04%$500-Business 60 Month Share Certificate
2.94%$500-48 Month Add-On Share Certificate Special
2.94%$100k-30 Month Jumbo Add-on Share Certificate Special
2.94%$100k-30 Month Jumbo Share Certificate Special
2.94%$500-48 Month Share Certificate Special
2.94%$500-60 Month Share Certificate
2.94%$500-Business 48 Month Share Certificate
2.84%$500-36 Month Add-On Share Certificate Special
2.84%$500-36 Month Share Certificate Special
2.84%$500-Business 36 Month Share Certificate
2.78%$100k-24 Month Jumbo Add-on 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
2.68%$500-48 Month Share Certificate
2.68%$500-Business 30 Month Share Certificate
2.53%$500$100k24 Month Add-on Share Certificate Special
2.53%$100k-18 Month Jumbo Add-on Share Certificate Special
2.53%$500-24 Month Share Certificate Special
2.53%$100k-18 Month Jumbo Share Certificate Special
2.53%$500-36 Month Share Certificate
2.53%$500-Business 24 Month Share Certificate
2.53%$500-Business 30 Month Step Up Share Certificate
2.27%$500$100k18 Month Add-on Share Certificate Special
2.27%$100k-12 Month Jumbo Add-on Share Certificate Special
2.27%$500-18 Month Share Certificate Special
2.27%$100k-12 Month Jumbo Share Certificate Special
2.27%$500-30 Month Share Certificate
2.27%$500-Business 18 Month Share Certificate
2.17%$500-24 Month Share Certificate
2.02%$500$100k12 Month Add-on Share Certificate Special
2.02%$500-12 Month Share Certificate Special
2.02%$500-18 Month Share Certificate
2.02%$500-Business 12 Month Add-on Share Certificate
1.87%$500$6k12 Month Share Certificate
1.87%$100-12 Month Add-On Youth Share Certificate
1.51%$100k-6 Month Jumbo Add-on 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
1.26%$500-Business 6 Month Share Certificate
1.16%$500-6 Month Share Certificate

GTE Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$500-12 Month Add-on IRA Special
3.30%$100k-12 Month Add-on Jumbo IRA Special
3.30%$100k-60 Month Add-On Jumbo IRA Special
3.20%$100k-48 Month Add-On Jumbo IRA Special
3.09%$100k-36 Month Add-On Jumbo IRA Special
3.04%$500-60 Month Add-On IRA Special
2.94%$500-60 Month IRA
2.94%$500-48 Month Add-On IRA Special
2.94%$100k-30 Month Add-on Jumbo IRA Special
2.84%$500-36 Month Add-On IRA Special
2.78%$100k-24 Month Add-on Jumbo 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%$100k-18 Month Add-on Jumbo IRA Special
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
1.87%$100$6k12 Month Add-on IRA
1.87%$100-12 Month Add-On Youth IRA
1.51%$100k-6 Month Add-on Jumbo IRA Special
1.26%$500-6 Month Add-on IRA Special
1.16%$500-6 Month IRA
Locations

Availability

Tampa Area

Interactive local rates map


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.