At Gulf Coast Educators FCU, Our Rates are Built With Our Members in Mind
Whether you’re growing your savings, buying your dream car, or financing a new home, we’re here to make it easier and more affordable.
Explore our current rates and see how we can help you reach your financial goals.
Deposit Rates
Savings & Checking
| ACCOUNT TYPE | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD** | MINIMUM OPENING BALANCE | MINIMUM BALANCE TO EARN DIVIDENDS |
|---|---|---|---|---|
| Share Account | 0.05% | 0.05% | $1 | $500 |
| Regular Checking | - | - | $0 | - |
| Advantage Checking Account | 0.05% | 0.05% | $0 | $2,500 |
| Christmas Club Account | 0.05% | 0.05% | $25 | $500 |
| Dollar Up Savings | 2.99% | 3.02% | $0 | $5 |
| Sandy Saver | 0.05% | 0.05% | $1 | $500 |
| Student Checking | - | - | $0 | - |
Term Share Certificate (CD)
CD - Term Share
CD - Jumbo Term Share
Additional Details
| Item | Conditions |
|---|---|
| Minimum Opening Deposit | $100 |
| Minimum to Earn Dividends | $100 |
| Dividends Compounded | Quarterly |
| Dividends Credited | Quarterly |
| Dividends Period | Quarterly |
| Additional Deposits | Allowed |
| Withdrawals | Not Allowed |
PDA = Premium Deposit Accounts add .50% to dividend rate. APY=Annual Percentage Yield
Individual Retirement Accounts (IRAs)
Premium IRA
Standard IRA
| BALANCE | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD** | MINIMUM OPENING BALANCE | MINIMUM BALANCE TO EARN DIVIDENDS |
|---|---|---|---|---|
| $0 - $499.99 | No dividends paid | No dividends paid | $100 for all IRA types. | $500 for all types |
| $500 - $9,999 | 0.35% | 0.35% | ||
| $10,000 - $49,999 | 0.50% | 0.50% | ||
| $50,000 - $99,999 | 0.65% | 0.65% | ||
| Over $100,000 | 0.75% | 0.75% |
Money Market
| ACCOUNT BALANCE | ANNUAL DIVIDEND RATE | ANNUAL PERCENTAGE YIELD** |
|---|---|---|
| $0 - $2,499.99 | N/A | N/A |
| $2,500 - $9,999.99 | 1.00% | 1.00% |
| $10,000 - $49,999.99 | 1.25% | 1.26% |
| $50,000 - $99,999.99 | 1.50% | 1.51% |
| $100,000 and above | 2.00% | 2.02% |
Loan Rates
Auto
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 4.49% | Up to 36 months | 0.75% | $29.74 | |
| 4.74% | Up to 48 months | 0.75% | $22.91 | |
| 4.99% | Up to 60 months | 0.75% | $18.87 | |
| 5.49% | Up to 72 months | $15,000 and up | 0.75% | $16.33 |
| 5.99% | Up to 84 months | $25,000 and up | 0.75% | $14.60 |
*APR = Annual Percentage Rate. Actual APR may vary based on factors such as credit history, vehicle condition (new or used), model year, loan term, and amount. Rates are subject to change. Maximum rate discount: 0.75% for auto, boat, motorcycle, and RV loans; 0.50% for personal loans. Auto loans may qualify for a rate as low as 3.74% APR with a term of 3 years or less and maximum discount applied.
To view loan discounts available see the last accordion on this page
Credit Cards
| Card Type | Base APR* | APR* Range |
|---|---|---|
| VISA Classic | 11.24% | 8.99% – 18.00% |
| VISA Rewards | 12.24% | 9.99% – 18.00% |
| Texas Educators Rewards | 9.24% | 6.99% – 16.99% |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification.
To view full credit card disclosures, click here.
Personal Loan
| Starting APR* (Not including discounts) | Term | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|
| 11.24% | Up to 48 months | 0.50% | $25.96 |
| 12.74% | Up to 84 months | 0.50% | $18.05 |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and miscellaneous equipment loans.
To view loan discounts available see the last accordion on this page
Boat Loan
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 7.49% | Up to 60 months | 0.75% | $20.03 | |
| 8.74% | Up to 84 months | $25,000 and up | 0.75% | $15.96 |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and miscellaneous equipment loans.
To view loan discounts available see the last accordion on this page
Motorcycle
| Starting APR* (Not including discounts) | Term | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|
| 7.49% | Up to 60 months | 0.75% | $20.03 |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and miscellaneous equipment loans.
To view loan discounts available see the last accordion on this page
RV/Trailer
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 7.49% | Up to 60 months | 0.75% | $20.03 | |
| 8.74% | Up to 84 months | $25,000 and up | 0.75% | $15.96 |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and miscellaneous equipment loans.
To view loan discounts available see the last accordion on this page
Miscellaneous Equipment Loan
| Starting APR* (Not including discounts) | Term | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|
| 8.50% | Up to 60 months | 0.50% | $20.52 |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and misc. equipment loans
To view loan discounts available see the last accordion on this page
Shared Secured Loan
*APR = Annual Percentage Rate. Share Secured loans are secured by Term Share Certificates. Rate is dependent upon the Term Share Certificate being used to secure the funds. Term is up to maturity date.
Credit Saver Loan
| Starting APR* | Term | Loan Amount |
|---|---|---|
| 12 Month Term Share Rate + 4.00% | 12 months | $1,000 and up |
| 18 Month Term Share Rate + 4.00% | 18 months | $1,500 and up |
| 24 Month Term Share Rate + 4.00% | 24 months | $2,000 and up |
*APR = Annual Percentage Rate. Rate is dependent upon current term share certificate rates. To view current rates, click here. Rates are subject to change without prior notification. Payment Example: 12 monthly payments of $86.53 for 12 month Credit Builder Loan with Term Share rate of 3.00% dividend rate and loan annual percentage rate of 7.00%.
Title Loan
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 5.24% | Up to 36 months | 0.75% | $30.08 | |
| 5.49% | Up to 48 months | 0.75% | $23.25 | |
| 5.74% | Up to 60 months | 0.75% | $19.21 | |
| 6.49% | Up to 72 months | $15,000 and up | 0.75% | $16.81 |
| 6.99% | Up to 84 months | $25,000 and up | 0.75% | $15.09 |
*APR = Annual Percentage Rate. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. Auto loans may receive a rate of 4.49% APR with a 3 year or less term with maximum discount.
To view loan discounts available see the last accordion on this page
Educator Loans
| Loan Type | Starting APR* | Term | Loan Amount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| Classroom Supplies | 8.99% | Up to 12 months | Up to $1,000 | $87.45 |
| Professional Development | 8.99% | Up to 60 months | Up to $10,000 | $20.75 |
| Alternative Teaching Certification | 8.99% | Up to 60 months | $20.75 |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Educator Loans are only available to
current school district employees. Member must present valid work contract, paycheck stub, or other proof of school district employment at time of loan origination. Members are
required to have Direct Deposit and set up automatic payment or scheduled transfer (online banking) ..
Home Loans
To view our home loan rates, please visit our mortgage center - texaseducatorsmortgage.com/resources/loan-rates/
Loan Discounts
| DISCOUNT | DESCRIPTION | DISCOUNT |
|---|---|---|
| 1 | Credit Life or Disability Insurance | 0.25% |
| 2 | Gulf Coast Educators Insurance Services, LLC Discount | 0.25% |
| 3 | Direct Deposit | 0.25% |
| Maximum discount | Auto, Boat, Motorcycle, and RV/Travel Trailer loans | 0.75% |
| Maximum discount | Personal loans | 0.50% |
Still Have Questions?
Disclosures+ Show All | - Hide All
To view Truth-In-Savings Disclosures, click here
Credit Card Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | None |
| Account Set Up Fee | None |
| Program Fee | None |
| Participation Fee | None |
| Additional Card Fee | None |
| Application Fee | None |
| Balance Transfer | Free |
| Cash Transfer | $5.00 or 1.00% of the amount of each cash advance, whichever is greater. No fee if done in GCEFCU branch. |
| Foreign Transaction | 1.00% of each transaction in U.S. dollars. |
| Transaction Fee for Purchases | None |
| Late Payment | Up to $25 |
| Over the Credit Limit | None |
| Returned Payment Fee | Up to $25 |