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Overview / Commentary
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.
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Love This Credit Union

I have had a great experience with my credit union. During the Christmas season, I noticed some suspicious activity and I immediately called my bank. The call center canceled the card and transferred me to the fraud department to have the matter investigated. They then sent me to the nearest branch to get a new card. This was awesome because most banks mail a new card within 14 days. Great Credit Union, and anyone can become a member!

GTE rocks!

Posted by: jameson | Apr 8, 2014

I love GTE Credit Union, they are really competitive with the services they offer and they aren't trying to nickel and dime each customer. They look at customers like members, not customers that they should try to sell me things. I really like that, they keep my money safe and also provide me access to it and offer me things like I need Home mortgages and credit cards with competitive rates.

pretty decent credit union

I switched to GTE from another local credit union primarily because of the ease of internet banking and availability and ease of drive-through service. My friend recommended GTE to me and I am so glad. Of course, she was happy, because she a $25 referral fee. This referral fee is on-going and unlimited, as far as I know. I also like the new debit card because it uses the chip technology which is safer than the swipe band. I also was able to get a break on what I pay for checks because I qualified with a savings account, checking account, and a 3yr cd,-so I was able to get checks at a 40% savings. GTE also offers other ways members can earn extra cash; e.g when you log-in you can press the "Smart Button" to enter a giveaway anywhere from $0.80 to $80--wish I could report that I have won, but not yet! The interest rate on my cd is pretty competitive; the interest rates on the savings and checking accounts not so much, but you can earn a bit more interest when you qualify for "member advantage". There are also other ways to earn extra cash by using a smartphone to save each time you swipe; And even earn some pennies when you run or jog. All in all a really friendly and consumer smart credit union. Oh, and that other credit union I switched from: at GTE I have never had a problem with the drive-through or outside ATM,-always a smooth and safe experience.

Making Lucrative Means By Your Lack Of Knowledge

GTE financial are far worse in fees than the bigger banks. They prey on members not reading fine prints and making lucrative well-offs with your money. Everything is the members fault. They will accept no responsibility for taking your money.....Please beware...



Health Grade Components

NCUA #196
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5.63%
Annual Interest Income$46.6MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.84B$1.73B
LoansQ3 2016vs Q3 2015$1.52B$1.49B
DepositsQ3 2016vs Q3 2015$1.67B$1.58B
Equity CapitalQ3 2016vs Q3 2015$139.3MM$127.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$14.9MM$16.4MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$21.0MM$22.7MM
Real Estate OwnedQ3 2016vs Q3 2015$1.7MM$3.9MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

GTE Financial Savings Account Rates

1.99%*-$500Regular Share Savings - Member Advantage
OTHER TIERS: 0.10% $500+
1.99%*-$500Early Saver Account
OTHER TIERS: 0.10% $500+
0.40%--HSA Checking
0.30%*$50k*-IRA Savings - Member Advantage
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $50k
0.25%*$50k*-IRA Savings
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k
0.10%$100-Regular Share Savings
0.10%$100-Special Savings Account

GTE Financial Money Market Rates

0.30%*$50k*-Money Market-Member Advantage
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $50k
0.25%*$50k*-Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k

GTE Financial Checking Account Rates

1.99%-$500Primary Checking - Member Advantage
0.15%--Business Interest Checking

GTE Financial CD Rates

2.01%$500-60 Month Share Certificate - Member Advantage
1.75%$500-60 Month Share Certificate
1.70%$500-48 Month Share Certificate - Member Advantage
1.50%$500-36 Month Share Certificate - Member Advantage
1.45%$500-48 Month Share Certificate
1.31%$500-30 Month Share Certificate - Member Advantage
1.25%$500-36 Month Share Certificate
1.21%$500-30 Month Step Up Share Certificate - Member Advantage
1.16%$500-24 Month Share Certificate - Member Advantage
1.06%$500-30 Month Share Certificate
0.95%$500-30 Month Step Up Share Certificate
0.95%$500-18 Month Share Certificate - Member Advantage
0.90%$500-24 Month Share Certificate
0.85%$500-12 Month Add-on Share Certificate - Member Advantage
0.70%$500-18 Month Share Certificate
0.60%$500-12 Month Add-on Share Certificate
0.60%$500-6 Month Share Certificate - Member Advantage
0.35%$500-6 Month Share Certificate

GTE Financial IRA Rates

2.26%$500-60 Month IRA Certificate - Member Advantage
2.01%$500-60 Month IRA Certificate
1.96%$500-48 Month IRA Certificate - Member Advantage
1.75%$500-36 Month IRA Certificate - Member Advantage
1.70%$500-48 Month IRA Certificate
1.56%$500-30 Month IRA Certificate - Member Advantage
1.50%$500-36 Month IRA Certificate
1.46%$500-30 Month Step Up IRA Certificate - Member Advantage
1.41%$500-24 Month IRA Certificate - Member Advantage
1.31%$500-30 Month IRA Certificate
1.21%$500-30 Month Step Up IRA Certificate
1.21%$500-18 Month IRA Certificate - Member Advantage
1.16%$500-24 Month IRA Certificate
1.11%$500-12 Month Add-on IRA Certificate - Member Advantage
0.95%$500-18 Month IRA Certificate
0.85%$500-12 Month Add-on IRA Certificate
0.85%$500-6 Month IRA Certificate - Member Advantage
0.60%$500-6 Month IRA Certificate

GTE Financial has 23 locations. Click to view all GTE Financial locations.