Gulf Coast Educators Federal Credit Union

Overview / Commentary

www.gcefcu.org

281-487-9333

5953 Fairmont Pkwy
Pasadena, TX 77505

Gulf Coast Educators Federal Credit Union is headquartered in Pasadena and is the 28^th largest credit union in the state of Texas. It is also the 344^th largest credit union in the nation. It was established in 1948 and as of June of 2022, it had grown to 153 employees and 49,591 members at 7 locations. Gulf Coast Educators Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Gulf Coast Educators Federal Credit Union is open to employees who work regularly in the Educational Industry in the state of Texas, as well as their immediate family members
See current membership details

Reviews (3)

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Credit Union For Teachers

Posted by: csmith | Apr 17, 2020

GCEFCU is a great credit union for teachers and school district employees. As an employee, I can honestly say this credit union cares about their members and goes above and beyond to make a difference in the schools in our community.

Comment

High APY 1.76

Posted by: vladimir | Nov 30, 2012

check out high 1.76 APY for one year CD on GULF COAST EDUCATORS FCU

Gulf Coast Educators

Posted by: JuliaJasso | May 23, 2014

I bought my Jeep through Gulf Coast Educators a few years ago. I would still be banking with them today, but they were so rude to me. You would think that since they are a credit union they would want to work with you, they would be nice. Every time i called or went up there to make a payment on my Jeep they were very nasty. They gave me a very high interest rate and after a year of making payments on time i asked if they could help me lower my interest payments they would not help me out.

Comment

Health

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #	5648
Year Chartered	1948
Employees	153
Primary Regulator

Profit Margin
Return on Assets - YTD	1.26%
Return on Equity - YTD	13.37%
Annual Interest Income	$19.4MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$1.27B$1.23B
Loans	Q2 2022vs Q2 2021	$694.0MM$565.9MM
Deposits	Q2 2022vs Q2 2021	$1.03B$995.6MM
Equity Capital	Q2 2022vs Q2 2021	$118.6MM$148.4MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$2.1MM$2.3MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$2.2MM$855.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Always verify rates and promotions with the bank or credit union. We are not Gulf Coast Educators Federal Credit Union; 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.

Gulf Coast Educators Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$5	-	Dollar Up Savings (round up)
0.40%^*	$100k^*	-	IRA
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k
0.40%^*	$100k^*	-	HSA
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k
0.25%	$5	$5k	My Savings Goal Account
0.20%	$500	-	Share Account
0.15%	$500	-	Christmas Club Account

Gulf Coast Educators Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.96%^*	$100k^*	-	Premium Market IRA
OTHER TIERS: 1.66% → $500 - $10k \| 1.76% → $10k - $50k \| 1.86% → $50k - $100k
0.50%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.35% → $2.5k - $10k \| 0.40% → $10k - $50k \| 0.45% → $50k - $100k

Gulf Coast Educators Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$2.5k	-	Advantage Checking Account

Gulf Coast Educators Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.24%	$200k	-	2 Year Super Jumbo Term Share Certificate
3.14%	$100k	$200k	2 Year Jumbo Term Share Certificate
3.03%	$1k	-	2 Year Premium Deposit Account Share Certificate
3.03%	$1k	-	3 Year Premium Deposit Account Share Certificate
3.03%	$1k	-	4 Year Premium Deposit Account Share Certificate
3.03%	$1k	-	5 Year Premium Deposit Account Share Certificate
2.98%	$200k	-	12 Month Super Jumbo Term Share Certificate
2.98%	$200k	-	18 Month Super Jumbo Term Share Certificate
2.88%	$100k	$200k	12 Month Jumbo Term Share Certificate
2.88%	$100k	$200k	18 Month Jumbo Term Share Certificate
2.78%	$1k	-	12 Month Premium Deposit Account Share Certificate
2.78%	$1k	-	18 Month Premium Deposit Account Share Certificate
2.73%	$200k	-	6 Month Super Jumbo Term Share Certificate
2.63%	$100k	$200k	6 Month Jumbo Term Share Certificate
2.52%	$1k	-	2 Year Term Share Certificate
2.52%	$1k	-	3 Year Term Share Certificate
2.52%	$1k	-	4 Year Term Share Certificate
2.52%	$1k	-	5 Year Term Share Certificate
2.52%	$1k	-	6 Month Premium Deposit Account Share Certificate
2.52%	$250	-	12 Month College Saver Premium Deposit Account Certificate
2.27%	$1k	-	12 Month Term Share Certificate
2.22%	$200k	-	90 Day Super Jumbo Term Share Certificate
2.12%	$100k	$200k	90 Day Jumbo Term Share Certificate
2.02%	$1k	-	6 Month Term Share Certificate
2.02%	$1k	-	90 Day Premium Deposit Account Share Certificate
2.02%	$250	-	12 Month College Saver Certificate
1.76%	$1k	-	18 Month Term Share Certificate
1.51%	$1k	-	90 Day Term Share Certificate

Locations

Gulf Coast Educators Federal Credit Union Locations
Branch Office	5953 Fairmont Pkwy	Pasadena, TX 77505
Branch Office	1120 W Main St	League City, TX 77573-2020
Branch Office	1819 Broadway St Ste 109	Pearland, TX 77581-5671
Branch Office	8000 BROADWAY ST	PEARLAND, TX 77581-7759
Branch Office	14243 E Sam Houston Pkwy N Ste 100	Houston, TX 77044
Branch Office	6360 Garth Rd Ste 140	Baytown, TX 77521-5105
Branch Office	27252 Katy Fwy	Katy, TX 77494-1001

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