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

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

WARNING - Free Checking Is Changing - 6/26/2018

Well these folks are changing the FREE checking to a Premium Checking whether you like or not. Not asking permission. AND, Oh by the Way, now charging $5 per month a result. Cannot be waived. They do not say you must either authorize this change, else the account will be closed (free checking is being discontinued). They will do this "upgrade and charging" to you based on your taking NO ACTION to their notice. SO .... I had to call, go through 15 minutes of verification, and then tell them to close the checking account. Maybe just me, but I do not appreciate a charge happening because they changed terms and conditions unilaterally without my by in. Sure, they have a right to make the change, but NO ACTION should mean to close the account unless I opt in, not to automatically start charging me. I have a large CD with them, but they ARE NOT user friendly, and I will be closing my account when my CD matures.

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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.

GTE Financial

There are many credit unions that are better for many reasons (even returning a call would be a start) but I am posting because if you are a person on the go and need to have on the go support and apps than this is NOT your credit union. Deposits just disappear and they do not support the 2go app for deposits. If you try and make a deposit with the app it will not get deposited so there is no reliability. For support they will tell you to wait, just wait another day, after waiting a week, just wait another day, but make sure you do not deposit the check at an actual site. So there you go, beware of this credit union.



Health Grade Components

NCUA #196
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD5.24%
Annual Interest Income$35.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$2.03B$1.88B
LoansQ2 2018vs Q2 2017$1.76B$1.61B
DepositsQ2 2018vs Q2 2017$1.85B$1.71B
Equity CapitalQ2 2018vs Q2 2017$156.8MM$145.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$15.9MM$14.7MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$24.3MM$19.9MM
Real Estate OwnedQ2 2018vs Q2 2017$182.00K$584.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

GTE Add-On Share Certificate Specials Are Back

TheBombingRange   |  
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.


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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

1.99%*-$500Early Saver Account
OTHER TIERS: 0.10% $500+
0.40%--HSA Checking
0.25%*$50k*-IRA Savings
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $50k
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

0.50%*$100k*-Money Market
OTHER TIERS: 0.15% $2.5k - $10k | 0.30% $10k - $50k | 0.40% $50k - $100k

GTE Financial Checking Account Rates

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

GTE Financial CD Rates

3.04%$500-60 Month CD Special
3.04%$100k-30 Month Jumbo Add-on Promotional CD
3.04%$100k-30 Month Jumbo CD Special
2.94%$100k-24 Month Jumbo Add-on Promotional CD
2.94%$100k-24 Month Jumbo CD Special
2.78%$500$100k30 Month Add-on Promotional CD
2.78%$100k-18 Month Jumbo Add-on Promotional CD
2.78%$500-30 Month CD Special
2.78%$100k-18 Month Jumbo CD Special
2.68%$500$100k24 Month Add-on Promotional CD
2.68%$500-24 Month CD Special
2.53%$500$100k18 Month Add-on Promotional CD
2.53%$100k-12 Month Jumbo Add-on Promotional CD
2.53%$500-18 Month CD Special
2.53%$100k-12 Month Jumbo CD Special
2.27%$500$100k12 Month Add-on Promotional CD
2.27%$500-12 Month CD Special
1.51%$100k-6 Month Jumbo Add-on Promotional CD
1.51%$100k-6 Month Jumbo CD Special
1.26%$500$100k6 Month Add-on Promotional CD
1.26%$500-6 Month CD Special

GTE Financial IRA Rates

3.30%$500-60 Month IRA Certificate
2.27%$500-48 Month IRA Certificate
2.02%$500-36 Month IRA Certificate
1.76%$500-30 Month IRA Certificate
1.71%$500-24 Month IRA Certificate
1.66%$500-30 Month Step Up IRA Certificate
1.56%$500-18 Month IRA Certificate
1.26%$100$6k12 Month Add-on IRA Certificate
1.06%$500-6 Month IRA Certificate


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 feedback@depositaccounts.com 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.