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GTE Financial

Popular Accounts at this Credit Union

1.75%5-year CD60 Month Share Certificate
0.60%1-year CD12 Month Add-on Share Certificate
0.10%SavingsSpecial Savings Account

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 is open to anyone through joining CUSavers ($10 one-time membership fee). Membership is also open to select areas of the Tampa community and for family of existing members.
See current membership details

Related Posts

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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.

Great Bank

I read the other reviews...no bank can just take your unemployment check. Must be a wage garnishing situation, and blaming them for his own problems?

Anyway, I have been a member for 12 years and never once had a problem. Their rates are fairly competitive and the customer service is fairly responsive. I will continue to bank here for many years to come.

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...

GTE Lied Then Blocks Me From My Disability Monthy Deposit

This is a short version of what happened to us on July 2nd & 3rd 2013. GTE has a corrupted on line banking site and they deny there is any problem with the system. Yet not only does it continue to take you to the final login page which is the password page, but the employee who we sat down and reported it to Dione Mateas Devroux had issues herself when trying to log in at her desk to show us how to do so "correctly" LOL what a joke this place is. Take your money and banking needs elsewhere that will actually be safe for your finances and any concerns brought to Senior staff will actually be heard out and acted on. Not denied that there is an issue then put it off on their "member" as though you have caused there system to work inadequatly. Again LOL what a sorry excuse for a credit union.Our version of events is as follows:

Complaint Description:
Reported suspected fraud on July2 2013 on our accts.. Following day GTE refused us access to our accts.One of which had just received myS.S.A. deposit We opened 11 various accounts in May 2013. Shortly after we started to have suspicious activity in our C.U. accounts,emails, via txt messages and by VM. Things like you are "approved" for a CC, car and payday loans etc. In 3 weeks we received well over 160 plus contacts from to many companies to list. We also had numerous problems with their on line banking, things like being able to log in to "our Accts" even after incorrectly answering security log in questions. When we went to the CU to tell them of our issues and our concern for my coming monthly deposit from SSA Dione M Deavoue misled us that the best way to address this was to lock down our accounts until the morning after my deposit hit to safeguard it from being accessed and the following morning we could come in and close said accts. reset passwords and user logins then reopen the accts under new acct numbers. The morning after the deposit upon arriving at the CU we met with her again were immediately put on the phone in her office with fraud dept. for GTE and were accused of the fraud we reported to be our own fault and told that our funds would NOT be available until the investigation of our claims was completed. When we told this woman she had misled us she denied ever making any such statements to us. This deposit pays my monthly rent due each 3rd,electric and other utilities since I am disabled this deposit is my monthly income. Have now no rent,no funds to pay my bills and am incurring numerous fees and now face possible eviction from our home of the last 3 years. When we told them this was unacceptable and how I live monthly off that deposit Ms Metaes Devroue yelled at us threatened to call the police and told us to leave the CU. Which we did then from outside the door of the CU we contacted the police,member services as well as the branch Manager Rob Perry. After approx 60 minutes Mr Perry came out and told us they had rejected the SSA deposit our accts were being closed and any funds in them with a letter explaining their decision would be mailed to our address. Then we were lied to by The manger of the fraud dept via my cell him telling me the same thing Mr Perry had said as well that my SSA deposit had never actually been deposited.Lie, already verified with SSA deposit was in my account from since the early A.M. Upon going home discussing it between us we decided to call member services again and upon inquiring of the status of the accounts were told they were active, then that the deposit was in but that they would mail a check out in that amount. Disabled,humiliated mistreated and no money, my money to support my monthly living obligations as well as incurring extra fees,cost and facing potential eviction. Unprofessional,rude, unnecessary, and just about criminal. Now we believe most likely driven by ignorant bigoted dislike for our partnership and sexual orientation. Planning on following up by filing with any and all Agencies with oversight of this excuse for a financial institution.



Health Grade Components

NCUA #196
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD2.75%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.83B$1.74B
LoansQ1 2016vs Q1 2015$1.47B$1.45B
DepositsQ1 2016vs Q1 2015$1.67B$1.60B
Equity CapitalQ1 2016vs Q1 2015$134.3MM$123.9MM
Loan Loss AllowanceQ1 2016vs Q1 2015$14.9MM$19.6MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$17.2MM$23.2MM
Real Estate OwnedQ1 2016vs Q1 2015$3.2MM$4.8MM
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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

2.49%*-$500Regular Share Savings - Member Advantage
OTHER TIERS: 0.10% $500+
2.49%*-$500Early Saver Account
OTHER TIERS: 0.10% $500+
0.40%--Health Savings Account
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
0.25%*$50k*-Business Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k

GTE Financial Checking Account Rates

2.49%-$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.