GTE Financial


Overview / Commentary
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

Great Customer Service

Posted by: |

Highly competitive CD rates and great customer service.
Just renewed my CDs for another 4 and 5 years.

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.

Don't Use Them For Car Loans

I switched from online banking to getting a statement mailed to me. The closing date was the end of the month and as of today, 6/8/2025, I have not received the statement. Since the due date is 6/15, I am forced to improvise a payment from their website to send in. I was also given incorrect information about receiving mailed statements when the car loan was initiated. I have never seen a statement take so long to arrive that I have to go to these lengths to avoid a late payment fee. Rest assured that I will be ending my relationship with them as soon as I can and will never use their services again for anything.

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.

VIEW MORE REVIEWS

Health
B+

Health Grade Components

Overall
NCUA #196
Year Chartered1935
Employees510
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.84%
Annual Interest Income$39.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.96B$2.96B
LoansQ1 2025vs Q1 2024$2.49B$2.39B
DepositsQ1 2025vs Q1 2024$2.62B$2.53B
Equity CapitalQ1 2025vs Q1 2024$254.8MM$239.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$36.7MM$28.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$19.7MM$16MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
Report an Issue

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
0.75%*$100*$500Regular Share Savings
OTHER TIERS: 0.15% $500+
0.60%*$75k*-Non-Profit High Yield Savings
OTHER TIERS: 0.20% $2.5k - $25k | 0.40% $25k - $75k
0.15%*$75k*-Business High Yield Savings
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $75k
0.05%$100-Special Savings Account
0.05%$0-Health Savings Account
0.05%$0$500Early Saver Account
0.05%$100$500Business Savings

GTE Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.57%*$250k*-Money Market
OTHER TIERS: 0.40% $0 - $2.5k | 0.50% $2.5k - $10k | 0.65% $10k - $50k | 0.80% $50k - $100k | 1.06% $100k - $250k
1.57%*$250k*-Business Money Market
OTHER TIERS: 0.40% $0 - $2.5k | 0.50% $2.5k - $10k | 0.65% $10k - $50k | 0.80% $50k - $100k | 1.06% $100k - $250k

GTE Financial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$0$2kGo Premium with GTE Secure
0.45%*$100k*-Business Nonprofit Checking
OTHER TIERS: 0.05% $0 - $2.5k | 0.15% $2.5k - $50k | 0.25% $50k - $100k
0.15%*$150k*-Business Dividend Checking
OTHER TIERS: 0.05% $0 - $50k | 0.10% $50k - $150k

GTE Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$100k-60 Month Jumbo Share Certificate
4.33%$100k-Business 60 Month Jumbo Share Certificate
4.18%$100k-48 Month Jumbo Share Certificate
4.18%$100k-Business 48 Month Jumbo Share Certificate
4.13%$100k-36 Month Jumbo Share Certificate
4.13%$100k-Business 36 Month Jumbo Share Certificate
4.07%$500-60 Month Share Certificate
4.07%$500-Business 60 Month Share Certificate
4.07%$100k-24 Month Jumbo Share Certificate
4.07%$100k-30 Month Jumbo Share Certificate
4.07%$100k-Business 24 Month Jumbo Share Certificate
4.07%$100k-Business 30 Month Jumbo Share Certificate
3.97%$100k-18 Month Jumbo Share Certificate
3.97%$100k-Business 18 Month Jumbo Share Certificate
3.92%$500-48 Month Share Certificate
3.92%$500-Business 48 Month Share Certificate
3.92%$100k-12 Month Jumbo Share Certificate
3.92%$100k-Business 12 Month Jumbo Share Certificate
3.87%$500-36 Month Share Certificate
3.87%$500-Business 36 Month Share Certificate
3.82%$500-24 Month Share Certificate
3.82%$500-30 Month Share Certificate
3.82%$500-Business 24 Month Share Certificate
3.82%$500-Business 30 Month Share Certificate
3.82%$500-30 Month Bump Up Share Certificate
3.71%$500-18 Month Share Certificate
3.71%$500-Business 18 Month Share Certificate
3.66%$500-12 Month Share Certificate
3.66%$500-Business 12 Month Share Certificate
2.53%$100k-6 Month Jumbo Share Certificate
2.53%$100k-Business 6 Month Jumbo Share Certificate
2.27%$500-6 Month Share Certificate
2.27%$500-Business 6 Month Share Certificate

GTE Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$100k-60 Month Jumbo IRA
4.18%$100k-48 Month Jumbo IRA
4.13%$100k-36 Month Jumbo IRA
4.07%$500-60 Month IRA
4.07%$100k-24 Month Jumbo IRA
4.07%$100k-30 Month Jumbo IRA
3.97%$100k-18 Month Jumbo IRA
3.92%$500-48 Month IRA
3.92%$100k-12 Month Jumbo IRA
3.87%$500-36 Month IRA
3.82%$500-24 Month IRA
3.82%$500-30 Month IRA
3.82%$500-30 Month Bump Up IRA.
3.71%$500-18 Month IRA
3.66%$500-12 Month IRA
2.53%$100k-6 Month Jumbo IRA
2.27%$500-6 Month IRA
1.57%*$250k*-IRA Savings
OTHER TIERS: 0.40% $0 - $2.5k | 0.50% $2.5k - $10k | 0.65% $10k - $50k | 0.80% $50k - $100k | 1.06% $100k - $250k
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.