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GTE Financial

Popular Accounts at this Credit Union

2.00%Reward CheckingGo Premium with GTE Secure
2.32%5-year CD60 Month Share Certificate
1.00%1-year CD12 Month Add-on Share Certificate

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 promotional add-on CDs end Friday, Oct. 27 - 10/26/2017


GTE Financial Has Top CD Rates, Nationally Available - 10/11/2017

GTE Financial (easy membership) has added a series of CD Specials with additional add-ons throughout the term. Minimum deposit is $500 for regular CDs and $100k for Jumbo CDs.

GTE Financial Ups Nationally Available Long-Term CDs - 8/3/2017

GTE Financial has raised the rates on its long-term Member Advantage Share Certificates: 36-month (2.02% APY), 48-month (2.27% APY), 60-month (2.58% APY).

View all posts from:

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.

Bad Communication.

The security systems in place are poorly used. Your card will be shut down when traveling even if you call them before hand or file a report online stating your future travel. The fees associated with the card use are bad as well. There is no withdraw fee reimburse program. But the have no account fee and they are very close to for now i just keep on using them. The mobile app works fine and is usually very easy to use. It may be the only thing the Credit Union has going for it. My savings account is easy to transfer money to when i need to and they explanation of recent purchases is always very easy to understand so I can easily remember what purchases and bills i have recently paid.



Health Grade Components

NCUA #196
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.82%
Annual Interest Income$67.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.98B$1.82B
LoansQ4 2017vs Q4 2016$1.67B$1.53B
DepositsQ4 2017vs Q4 2016$1.81B$1.66B
Equity CapitalQ4 2017vs Q4 2016$152.7MM$142.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$15.4MM$13.4MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$29.0MM$22.9MM
Real Estate OwnedQ4 2017vs Q4 2016$200.00K$891.00K
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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% $2,500 - $10k | 0.20% $10k - $50k
0.10%$100-Regular Share Savings
0.10%$100-Special Savings Account

GTE Financial Money Market Rates

0.25%*$50k*-Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k
0.25%*$50k*$100kBusiness Money Market
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k

GTE Financial Checking Account Rates

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

GTE Financial CD Rates

2.32%$500-60 Month Share Certificate
2.02%$500-48 Month Share Certificate
1.76%$500-36 Month Share Certificate
1.51%$500-30 Month Share Certificate
1.46%$500-24 Month Share Certificate
1.41%$500-30 Month Step Up Share Certificate
1.31%$500-18 Month Share Certificate
1.00%$100$6k12 Month Add-on Share Certificate
0.80%$500-6 Month Share Certificate

GTE Financial IRA Rates

2.58%$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