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Gulf Coast Educators Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 29th largest credit union in the state of Texas. It is also the 383rd largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 162 employees and 60,452 members at 9 locations. Gulf Coast Educators Federal Credit Union's CD rates are 5X the national average, and it has a B+ 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 (1)

Avoid This Bank At All Costs…. Seriously

Posted by: |

I have been a loyal customer of this bank for years, but unfortunately, it has taken a turn for the worse. They claim to be "for the community," but in reality, they do everything they can to take your money and make things difficult. Their customer service is unreliable—one representative will tell you one thing, and the next will say something completely different. It's clear they don’t know how to handle serious situations.

I was recently scammed, and instead of providing support, the bank is holding me responsible. They are making me jump through hoops just to access my own account. To make matters worse, they’ve restricted my access to the app and essential services, leaving me in a financial bind. I can’t believe how poorly they’ve handled this. Save yourself the trouble and avoid this bank. It’s not worth your time or trust anymore.

3


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #5648
Year Chartered1948
Employees162
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD4.16%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.24B$1.31B
LoansQ1 2025vs Q1 2024$861.7MM$868MM
DepositsQ1 2025vs Q1 2024$959.8MM$969.6MM
Equity CapitalQ1 2025vs Q1 2024$139MM$118.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.1MM$6.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.6MM$3.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.02%$5-Dollar Up Savings (round up)
0.30%*$100k*-HSA
OTHER TIERS: 0.15% → $500 - $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k
0.05%$500-Share Account
0.05%$500-Christmas Club Account
0.05%$500-Sandy Saver

Gulf Coast Educators Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.55%*$100k*-Premium Market IRA
OTHER TIERS: 4.23% → $500 - $10k | 4.34% → $10k - $50k | 4.44% → $50k - $100k
2.02%*$100k*-Money Market Account
OTHER TIERS: 1.00% → $2.5k - $10k | 1.26% → $10k - $50k | 1.51% → $50k - $100k

Gulf Coast Educators Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Advantage Checking Account

Gulf Coast Educators Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.27%$100k-12 Month Jumbo Term Share Certificate
4.22%$100k-18 Month Jumbo Term Share Certificate
4.06%$100-12 Month Premium Deposit Account Share Certificate
4.06%$100-18 Month Premium Deposit Account Share Certificate
4.06%$25-12 Month College Saver Premium Deposit Account Certificate
4.06%$100k-2 Year Jumbo Term Share Certificate
4.01%$100k-6 Month Jumbo Term Share Certificate
3.80%$100-6 Month Premium Deposit Account Share Certificate
3.80%$100-2 Year Premium Deposit Account Share Certificate
3.55%$100-12 Month Term Share Certificate
3.55%$100-18 Month Term Share Certificate
3.55%$100-3 Year Premium Deposit Account Share Certificate
3.55%$25-12 Month College Saver Certificate
3.29%$100-6 Month Term Share Certificate
3.29%$100-2 Year Term Share Certificate
3.03%$100-3 Year Term Share Certificate
3.03%$100k-90 Day Jumbo Term Share Certificate
2.78%$100-90 Day Premium Deposit Account Share Certificate
2.52%$100-4 Year Premium Deposit Account Share Certificate
2.52%$100-5 Year Premium Deposit Account Share Certificate
2.27%$100-90 Day Term Share Certificate
2.02%$100-4 Year Term Share Certificate
2.02%$100-5 Year Term Share Certificate

Gulf Coast Educators Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-IRA
OTHER TIERS: 0.35% → $500 - $10k | 0.50% → $10k - $50k | 0.65% → $50k - $100k
Locations


Gulf Coast Educators Federal Credit Union Locations
Branch Office5953 Fairmont PkwyPasadena, TX 77505
Branch Office1120 W Main StLeague City, TX 77573-2020
Branch Office1819 Broadway St Ste 109Pearland, TX 77581-5671
Branch Office8000 BROADWAY STPEARLAND, TX 77581-7759
Branch Office14243 E Sam Houston Pkwy N Ste 100Houston, TX 77044
Branch Office6360 Garth Rd Ste 140Baytown, TX 77521-5105
Branch Office27252 Katy FwyKaty, TX 77494-1001
Branch Office400 N Elm StSweeny, TX 77480
Branch Office6419 Reading Rd Ste 115Rosenberg, TX 77471

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