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GTE Financial


Overview / Commentary
www.gtefinancial.org
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

3 1/2 Year CD At 3.30%APY - 2/3/2021

For those who opened a 60 month Add On Share Certificate during the GTE Financial promotion in August of 2019 - they are still honoring additions at the original 3.30% APY. For funds maturing or available elsewhere now, that's like depositing in a 3 1/2 year CD at 3.3%. Hard to beat in the current environment. Took advantage of the opportunity last week. Insured up to $250K. You can also change the original account to a joint account and be insured up to $500K. For anyone who opened up this add on promotional account - it's is a good option anytime over the next three years, as long as they continue to honor the original rate.

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Reviews (49)

Working With GTE Financial

Posted by: |

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.

6

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.

8

Not Thrilled By Hard Credit Pull.

Posted by: |

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.

6

Gte----You Can Never Get A Human!!

Posted by: |

They make it VERY hard to speak to a live person, and they will make you jump through over a dozen question. so many...its annoying!

I am slowly transferring all my account to Sun Coast Credit Union...there you can get a live person QUICKLY!!!

2
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Health
A

Data as of Q2 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #196
Year Chartered1935
Employees441
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD12.3%
Annual Interest Income$40.1MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$2.72B$2.42B
LoansQ2 2021vs Q2 2020$1.95B$1.82B
DepositsQ2 2021vs Q2 2020$2.47B$2.19B
Equity CapitalQ2 2021vs Q2 2020$210.7MM$195.0MM
Loan Loss AllowanceQ2 2021vs Q2 2020$22.2MM$15.0MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$12.0MM$17.0MM
Real Estate OwnedQ2 2021vs Q2 2020$3.00K$5.00K
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
0.05%$100$500Regular Share Savings
0.05%--HSA Checking
0.05%$10k-IRA Savings
0.05%-$500Early Saver Account

GTE Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$10k-Money Market
0.01%$10k-High Yield Money Market
0.01%$10k-Business Money Market

GTE Financial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$150k*-Business Interest Checking
OTHER TIERS: 0.05% → $50k - $150k
0.05%-$3kGo Premium with GTE Secure

GTE Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$500-60 Month Share Certificate
0.20%$500-Business 60 Month Share Certificate
0.15%$500-36 Month Share Certificate
0.15%$500-48 Month Share Certificate
0.15%$500-Business 36 Month Share Certificate
0.15%$500-Business 48 Month Share Certificate
0.10%$500-30 Month Step Up Share Certificate
0.10%$500-30 Month Share Certificate
0.10%$500-Business 30 Month Share Certificate
0.05%$500-18 Month Share Certificate
0.05%$500-24 Month Share Certificate
0.05%$500-Business 18 Month Share Certificate
0.05%$500-Business 24 Month Share Certificate
0.01%$500-6 Month Share Certificate
0.01%$500-Business 6 Month Share Certificate
0.01%$500-12 Month Share Certificate
0.01%$500-Business 12 Month CD

GTE Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$500-60 Month IRA
0.15%$500-36 Month IRA
0.15%$500-48 Month IRA
0.10%$500-30 Month IRA
0.10%$500-30 Month Step Up IRA
0.05%$500-18 Month IRA
0.05%$500-24 Month IRA
0.01%$500-6 Month IRA
0.01%$500-12 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.