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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).

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Great for everyday banking

To be honest, I don't use GTE for car loans or mortgages (though my mother does). I do, however, use them for basic everyday banking and have done so since high school. They're great for basic credit and debit needs, and I will look into them for other rates in the future.

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!

This bank is my go-to financial institution.

Posted by: BoboUber | Dec 14, 2017

I have had an account with this bank for most of my life. I have almost every type of account with them. Their fees are mostly standard. You can avoid almost all the fees if you use them as your primary bank. It is mainly because you need to have direct deposit set up. That waives a majority of the fees. I do not like their website. It is tough for me to figure out how to navigate it. The people are always nice at the local branches. However recently they have done something that freaks me out. They have gotten rid of all of the tellers. They now only have one teller and a tech guy. They instead now have a huge row of monitors. They now have all their tellers at an off site location and you walk up to the screen and this person in a different part of the city is your teller. You can actually get your cash given to you out of a slot below the screen. It is so strange.

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.



Health Grade Components

NCUA #196
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5.54%
Annual Interest Income$49.7MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.96B$1.84B
LoansQ3 2017vs Q3 2016$1.70B$1.52B
DepositsQ3 2017vs Q3 2016$1.70B$1.67B
Equity CapitalQ3 2017vs Q3 2016$148.4MM$139.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$15.1MM$14.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$22.9MM$21.0MM
Real Estate OwnedQ3 2017vs Q3 2016$203.00K$1.7MM
  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 promotional add-on CDs end Friday, Oct. 27

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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

0.15%--Business Interest Checking

GTE Financial CD Rates

2.32%$500-60 Month Share Certificate
2.02%$500-48 Month Share Certificate
1.84%$500-3 Year Escalating Share Certificate - Member Advantage
1.76%$500-36 Month Share Certificate
1.59%$500-3 Year Escalating 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