GTE Financial

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.
See current membership details

Related Posts


Well, with the turning of a page on the 2023 calendar GTE Financial rates take a hit!

Great Service When Opening CD At GTE Financial - 7/12/2023

Here is my data point. I was pleasantly surprised. I opened the GTE 4 year jumbo, after logging into my GTE account, using the online account opening facility on their website. I did not have high expectations, but I was too lazy to go through the funds wiring process . . . figured I would just take my lumps. Well, no lumps. The ACH was initiated by GTE Monday. There was no fee. The funds were debited next day from my other financial institution where they had been resident. The funds are in my GTE account today, Wednesday, earning interest. Again, no fees whatsoever; and a very easy process all around. Way I figure it I lost one day of interest. Sure maybe I would have saved a few bucks wiring the money. I dunno. I didn't to the math. But it certainly was a whole lot easier using GTE's no fees ACH funding mechanism. I would do it again in a heartbeat. Am very pleased. One final thought: Despite all my pollyanna above, I still would not try this stunt on a Thursday or on a Friday.

RATE CHANGES????? - 6/16/2023

What's up with GTE? Their rates are being reviewed by DA, their listings have been removed from the various CD term drop downs, but looking at their website I don't notice anything new and exciting and they haven't made any moves lately. Maybe deposits were waning as others kept things from getting stale. Good news or bad?? I guess we just need to stay tuned.

View all posts from:

Great Customer Service

Posted by: |

Highly competitive CD rates and great customer service.
Just renewed my CDs for another 4 and 5 years.

GTE Financial - Ability To Add Beneficiaries Online

Posted by: |

New feature at GTE allows you to add beneficiaries online. There is an ‘Everything Else’ button towards the right, just before the log off button. Under ‘Resources’, choose ‘Forms’ and you will see the Beneficiary form as the first option. Complete and submit. SSN and DOB of beneficiaries required.

I give them four stars for this enhancement.

They Do Not Answer Their Phones Or Emails!

Posted by: |

Could you please answer your phones? Could you please respond to email? Please? Pretty please?
Is anyone there?

Two hours later I received 2 e-mails. Thank you and DA!

Avoid This Credit Union! Look At BBB

I regret ever having heard of GTE and thinking a credit union was better than a bank. They have a huge revenue because they take money from customers. I opened a SAVINGS account with them because I was please with the APY at the time. I didn't use it because I was SAVING the money but unknowingly to me they were taking $15 a month for inactive use. No letters, no emails, no phone calls. Just taking from my savings. They said it was my responsibility to review my statements and see that I had fees being assessed. I didn't review my statements because I knew that money was there and I was SAVING it. It is a sneaky way of stealing.



Health Grade Components

NCUA #196
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD10.78%
Annual Interest Income$62.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.92B$2.85B
LoansQ2 2023vs Q2 2022$2.27B$2.21B
DepositsQ2 2023vs Q2 2022$2.61B$2.59B
Equity CapitalQ2 2023vs Q2 2022$223.9MM$215.1MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$21.5MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$14.7MM$10.6MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

4.85%--Early Saver Account
0.75%$100$500Regular Share Savings

GTE Financial Money Market Rates

1.57%*$250k*-Money Market
OTHER TIERS: 0.40% Up to $2.5k | 0.50% $2.5k - $10k | 0.65% $10k - $50k | 0.80% $50k - $100k | 1.06% $100k - $250k

GTE Financial Checking Account Rates

3.04%-$3kGo Premium with GTE Secure
0.45%*$100k*-Business Nonprofit Checking
OTHER TIERS: 0.05% Up to $2.5k | 0.15% $2.5k - $50k | 0.25% $50k - $100k
0.15%*$150k*-Business Dividend Checking
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $150k

GTE Financial CD Rates

4.87%$100k-36 Month Jumbo Share Certificate
4.59%$500-36 Month Share Certificate
4.58%$100k-30 Month Jumbo Share Certificate
4.49%$500-30 Month Bump Up Share Certificate
4.34%$500-30 Month Share Certificate
3.81%$100k-24 Month Jumbo Share Certificate
3.56%$500-24 Month Share Certificate
3.56%$100k-48 Month Jumbo Share Certificate
3.31%$500-48 Month Share Certificate
3.31%$100k-60 Month Jumbo Share Certificate
3.30%$100k-18 Month Jumbo Share Certificate
3.04%$500-18 Month Share Certificate
3.04%$500-60 Month Share Certificate
2.27%$100k-12 Month Jumbo Share Certificate
2.02%$500-12 Month Share Certificate
1.76%$100k-6 Month Jumbo Share Certificate
1.51%$500-6 Month Share Certificate

GTE Financial IRA Rates

4.87%$100k-36 Month Jumbo IRA
4.59%$500-36 Month IRA
4.58%$100k-30 Month Jumbo IRA
4.49%$500-30 Month Bump Up IRA.
4.34%$500-30 Month IRA
3.81%$100k-24 Month Jumbo IRA
3.56%$500-24 Month IRA
3.56%$100k-48 Month Jumbo IRA
3.31%$500-48 Month IRA
3.31%$100k-60 Month Jumbo IRA
3.30%$100k-18 Month Jumbo IRA
3.04%$500-18 Month IRA
3.04%$500-60 Month IRA
2.27%$100k-12 Month Jumbo IRA
2.02%$500-12 Month IRA
1.76%$100k-6 Month Jumbo IRA
1.51%$500-6 Month IRA


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