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

Add-Ons Not A Problem

Posted by: |

I've added onto the 5 year Add-On CD many times since 2019 without a problem. I've had nothing but excellent service from the GTE reps over that time frame...just my personal experience.

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 Charge You To Take Your Money

Opened an account with them a number of years ago for a CD special rate. The CD expired and rates were significantly lower, so the money went into savings. After about six months, they started charging inactivity fees. It seems if you don't move money at least twice a year, they consider your account inactive. I got those charges waived, but they charged me to take my money out. $6 for a check or $2 for ACH transfer with a limit of $5000 per ACH transfer. No way around it. I closed my accounts and paid the $6 for a check. I won't be back.

They Took My MINOR SONS MONEY As Overdraft After His Mother Passed Away

They took my MINOR SONS MONEY AFTER HIS MOTHER PASSED AWAY and told me there is nothing they can do to return it. She was the adult signer that is required for a minor child’s account and when she passed away unexpectedly at 39 years old, they used my sons account as an overdraft to cover an automatic debit bill that she had set up. This happened before we were able to get the death certificate and have her accounts closed and my name placed on his account instead of hers. I have been calling, emailing and stopping into the branch for 3 weeks while they dragged this out and keep telling me they are trying but it’s always another department or person that’s not in the branch to look you in the face when they tell you “ Sorry we are unable to return your sons $150 because of right to offset”. How heartless to keep a child’s entire paycheck from his job at the grocery store when he’s got enough to deal with losing his mother. I am beyond disgusted and will be closing all accounts with this cold hearted institution since all they care about is money or profit. How can you tell me somebody, somewhere in this organization won’t do the right thing for a 16 year old boy who had to pay his mothers final bill. Disgusting business practice. Do not give this company any business.



Health Grade Components

NCUA #196
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD11.26%
Annual Interest Income$42.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$2.85B$2.72B
LoansQ2 2022vs Q2 2021$2.21B$1.95B
DepositsQ2 2022vs Q2 2021$2.59B$2.47B
Equity CapitalQ2 2022vs Q2 2021$215.1MM$210.7MM
Loan Loss AllowanceQ2 2022vs Q2 2021$21.5MM$22.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$10.6MM$12.0MM
Real Estate OwnedQ2 2022vs Q2 2021$0$3.00K
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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

0.10%-$500Early Saver Account
0.05%$100$500Regular Share Savings
0.05%--HSA Checking

GTE Financial Money Market Rates

0.40%*$100k*-Money Market
OTHER TIERS: 0.25% $2.5k - $10k | 0.30% $10k - $50k | 0.35% $50k - $100k

GTE Financial CD Rates

2.53%$500-60 Month Share Certificate
2.43%$500-48 Month Share Certificate
2.32%$500-30 Month Share Certificate
2.02%$500-36 Month Share Certificate
1.81%$500-24 Month Share Certificate
1.31%$500-18 Month Share Certificate
1.06%$500-12 Month Share Certificate
0.80%$500-6 Month Share Certificate

GTE Financial IRA Rates

2.53%$500-60 Month IRA
2.43%$500-48 Month IRA
2.32%$500-30 Month IRA
2.02%$500-36 Month IRA
1.81%$500-24 Month IRA
1.31%$500-18 Month IRA
1.06%$500-12 Month IRA
0.80%$500-6 Month IRA


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