Own Your Bank - Join GCEFCU (2024)

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The Credit Union for School Employees

Gulf Coast Educators FCU is a credit union for teachers and school employees within the state of Texas. If you or an immediate family member works for a school or college in Texas, you are eligible for membership and can open your account completely online.

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Get Started - Become a Member-Owner

Gulf Coast Educators FCU is a credit unionfor teachers and school employees in the state of Texas. Here you will find all the same products and services of a big bank, designed specifically for school employees. Check out some of our most popular products below.
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  • Texas Educators Rewards Credit Card – Available to all school employees in Texas who qualify. Earn rewards by shopping at all your favorite places. Learn More.
  • Educator Mortgage – School Employees can finance a new home up to 103%, with no down payment or PMI required.Learn More.
  • Auto Loan Discounts – Get up to 0.75% off your APR* when you finance or refinance your car loan. Learn More.
  • Dollar Up Account – Link your GCEFCU debit card to a Dollar Up Savings Account, and have the extra change from your transactions automatically transferred to a savings account. Learn More.
  • Mobile App – Get 24/7 access to your funds using our top rated mobile app. Learn More.

Open Your Account Online

Get started today by opening your account online. There is no cost to join, we only ask that you keep $1 in your savings account.

Open Your Account


THE CREDIT UNION FOR TEACHERS & SCHOOL EMPLOYEES

As an educator, you’re all about helping students learn and grow to live the best lives they can. As a credit union that was formed exclusively for educators, Gulf Coast Educators FCU is all about helping YOU improve your financial life. We understand your needs, your goals, and your career as an educator.

Educating the youth of Texas is what you do. Educating you about how to bank better is what we do. Browse some of our products and services below to learn more.

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Accounts

Savings accounts, Free Checking, Kid accounts, & more

Learn more

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Loans

Auto loans, personal loans, credit cards, loans for educators.

Learn more

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Home Loans

Mortgages, Refinances, Home Equity Loans, Teacher Mortgage

Learn more


THREE WAYS TO BECOME A MEMBER

To become a member of Gulf Coast Educators FCU, you must fall within our field of membership.

1. School District Employee

Employees who work regularly in the Educational Industry in the state of Texas, meaning they work for:

  • an elementary school, secondary school, or post-secondary school;
  • a county superintendent of schools office;
  • an authorized education foundation; or
  • a school board, either as employees or trustees.

Those who have retired as pensioners or annuitants from above employment are also eligible.

2. GCEFCU Employee

Employees of Gulf Coast Educators Federal Credit Union are eligible for membership.

3. Family Members

Immediate families or households that fall within the chart below are eligible for membership, as well as spouses of those who have died while within the field of membership of this credit union.

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BECOMING A GCEFCU MEMBER

Becoming a member of Gulf Coast Educators FCU is easy! In fact, you can even open your account right here online.

Step 1:
Open your account with Gulf Coast Educators Federal Credit Union online or at any one of our locations. You will need to bring:

  • Pictured drivers license or state identification card
  • Your name as it appears on your Social Security Card
  • Proof of employment (one of the following)
    • Contract
    • Pay Stub
    • Letter from your Personnel Office

Step 2:
Switch direct deposits and automatic deposits with our Switch Kit, or by contacting your employer for the corresponding forms.

Step 3:
Change automatic payments and withdrawals using theChange Automatic Withdrawal form.

Step 4:
Close all other savings, checking & bill payment accounts using theClose Account form.

For additional details or help switching your accounts to Gulf Coast Educators Federal Credit Union just ask us! We’ll be glad to help. Please visit any branch office or call 281.487.9333 or 1.800.683.3863.


BANK ONLINE – NOT IN LINE.

As a credit union for teachers, we know your time is valuable. Don’t waste it by rushing to the bank before or after work. Experience the convenience of banking with the people who know you best. Gulf Coast Educators FCU gives you 24/7 access to your money all online and through our mobile app.

Download our FREE Mobile App from the App Store or Google Play for your mobile device. You can also text “Apple” or “Android” to 281-843-8611 to have the download link sent straight to your phone.

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DISCLOSURES

Texas Educators Rewards Credit Card is only available to school employees within the state of Texas. Credit qualifications apply.

*APR=Annual Percentage Rate. All rates are subject to change without prior notice.


Own Your Bank - Join GCEFCU (2024)

FAQs

Own Your Bank - Join GCEFCU? ›

When they open their new account & checking account, and completes 15 debit card transactions within their first 45 days of membership, you'll both get $50!

What is the best bank for personal banking? ›

Best Banks of May 2024
  • Capital One 360 Checking: Best online checking account.
  • Chase Total Checking®: Best for a large branch network.
  • Axos Bank Rewards Checking: Best for online account options.
  • Discover® Bank: Best for doing all of your banking at one place.
  • Synchrony Bank: Best high-yield savings account.
Apr 29, 2024

What is the loyalty bonus for Gulf Coast Educators Federal Credit Union? ›

When they open their new account & checking account, and completes 15 debit card transactions within their first 45 days of membership, you'll both get $50!

Is there a credit union for Texas teachers? ›

We are a credit union dedicated to serving the financial needs of educators and school district employees in the state of Texas. Here you will find all the products and services of a big bank, but designed to help make our members more money, save time, and provide peace of mind.

What is the history of Gcefcu? ›

Our History

Founded in 1948, Gulf Coast Educators Federal Credit Union was created by, and for, people who work in the field of education. We remain a credit union dedicated to serving the financial needs of Houston area school employees and their families.

What is the hardest bank to get into? ›

Which is the hardest investment bank to get into? Goldman Sachs is notoriously difficult to get into. One statistics recently rolled out was that it received 100,000 applications for just 2,300 global internship positions. This means that it received 24 applications for every job it posted.

What are the best credit unions to join? ›

Choosing the best credit union: Where to begin
Brand nameBest forAPY*
AlliantOverallUp to 3.10%
PenFedRewards credit cardUp to 3%
First Tech Federal Credit UnionLow-interest credit cardUp to 5%
Consumers Credit UnionDeposit account varietyUp to 3%
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May 13, 2024

How much can I withdraw from Coastal Federal Credit Union? ›

The following limitations on ATM Card transactions may apply: - You may withdraw up to a maximum of $400.00 in any one (1) day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer.

How does CU rewards work? ›

This program enables cardholders to earn points for every dollar charged in new net purchases. The convenient and free CU Rewards Mall allows cardholders to: Redeem points for merchandise, travel discounts and more.

What are the rewards for Gulf Coast Bank? ›

Gulf Coast Bank's uChoose Rewards Program allows customers to earn and redeem points for merchandise, travel and gift cards by using their debit card to make a purchase. Signature transactions will earn 1 point for every $2 spent and PIN transactions will earn 1 point for every $5 spent.

What is the best credit union to join in Texas? ›

Top Credit Unions in Texas
  • RBFCU.
  • Security Service Federal Credit Union.
  • American Airlines Federal Credit Union.
  • TDECU.
  • GECU.
  • Rally Credit Union.
  • Credit Human Federal Credit Union.
  • University Federal Credit Union.
Apr 22, 2024

What is the largest credit union in Texas? ›

Randolph-Brooks Federal Credit Union is based in Live Oak, Texas and has more than 60 branches in select metro areas across the state. Launched in 1952, RBFCU originally served military members. Today the credit union has expanded its access to much more.

Why are there no teacher unions in Texas? ›

We are a union. Texas' status as a “right-to-work” state means union membership isn't compulsory — not illegal. That said, Texas is one of only a handful of states that denies collective bargaining to public employees. So our employment contracts generally are dictated to us by our local school boards.

Is GECU only in Texas? ›

Stable and innovative: We are one of the largest and strongest credit unions in Texas and New Mexico with more than 430,000 members, 30 state-of-the-art branches, innovative online services and more than $4.4 billion in assets.

What does GECU stand for? ›

GECU (formerly Government Employees Credit Union) is a federal chartered credit union headquartered in El Paso, Texas. GECU is regulated under the authority of the National Credit Union Administration (NCUA) and each of their members is an owner who has a vote and a share in the credit union. GECU.

Who is the CEO of GECU? ›

GECU Credit Union

Crystal Long is the President and Chief Executive Officer of GECU, in El Paso, Texas.

Which is the best bank for private banking? ›

  • The Private Banking Top 10 List.
  • UBS.
  • Morgan Stanley.
  • Bank of America.
  • J.P. Morgan Private Bank.
  • Citigroup.
  • BNP Paribas.
  • Goldman Sachs.

What bank has the best private banking? ›

J.P. Morgan Private Bank is named 2024's “World's Best Private Bank” for the fifth year in a row. For its ninth annual World's Best Private Banks Awards, Global Finance Magazine ranked J.P. Morgan Private Bank* first overall.

Which bank pays the most for personal bankers? ›

Top companies for Personal Bankers in United States
  • WSECU. 4.2 $26.68per hour. 64 reviews41 salaries reported.
  • Citi. 3.9 $26.20per hour. 19,932 reviews61 salaries reported.
  • Elevations Credit Union. 3.4 $23.20per hour. ...
  • Fifth Third Bank. 3.5 $21.70per hour. ...
  • Wells Fargo. 3.7 $21.59per hour. ...
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Which is the most trusted private bank? ›

Here is an overview of India's top 10 private banks in 2024.
  • • HDFC Bank. HDFC Bank is one of the best private banks in India and the world's sixth-largest bank. ...
  • Revenue: 1,15,016 Cr. Net Income: 39610 Cr. ...
  • • ICICI Bank. ...
  • Revenue: 1,86,179 Cr. ...
  • • Axis Bank. ...
  • Revenue: 1,06,155 Cr. ...
  • • Kotak Mahindra Bank. ...
  • Revenue: 68,142 Cr.
Mar 13, 2024

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