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Garden City Teachers Federal Credit Union

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Garden City Teachers Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Garden City Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Garden City Teachers Federal Credit Union's Personal Loan Rates are as low as 8.00%. MonitorBankRates evaluates the financial stability of Garden City Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.28%. Rates last updated and verified on 09/20/2026.

Garden City Teachers Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Garden City Teachers Federal Credit Union? Share your experience about Garden City Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Garden City Teachers Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.28%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Garden City Teachers Federal Credit Union
teachers credit union

1601 E kansas plz
garden city, KS 67846

https://gctcu.org

Garden City Teachers Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club	-	0.25%
Details Paid Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%

Garden City Teachers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Boat's / RV's Loan	-	6.50%
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%
Used Boat's / RV's Loan	-	7.50%
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%

Garden City Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	8.00%	12 Months
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%
Signature Loans	9.00%	24 Months
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%
Signature Loans	10.00%	36 Months
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%

Garden City Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
All Other Loan	-	-	7.25%
Details As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%
Regular Share	-	-	0.10%
Details Paid Quarterly Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Garden City Teachers Federal Credit Union’s Texas Ratio rose from 1.47% in Q2 2023 to 2.28% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$16M	2.28%	5.0	A+
December 31, 2025	$16M	5.35%	5.0	A+
September 30, 2025	$15M	4.56%	5.0	A+
June 30, 2025	$15M	0.80%	5.0	A+
March 31, 2025	$15M	0.97%	5.0	A+
December 31, 2024	$15M	3.63%	5.0	A+
September 30, 2024	$14M	1.54%	5.0	A+
June 30, 2024	$14M	3.47%	5.0	A+
March 31, 2024	$15M	0.92%	5.0	A+
December 31, 2023	$15M	1.88%	5.0	A+
September 30, 2023	$14M	2.77%	5.0	A+
June 30, 2023	$15M	1.47%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Garden City Teachers Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Garden City Teachers Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Garden City Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Garden City Teachers Federal Credit Union

Website https://gctcu.org

Address 1601 E kansas plz, garden city, KS 67846

Phone 620-275-0131

Fax 620-275-4738

President John Andrews

CEO cynthia means

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.28%

Return on Assets (ROA)

0.0214%

Return on Equity (ROE)

0.2738%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

16,215,185

Total Amount of Shares and Deposits

14,885,715

Total Shares and Deposits < 1 Year

14,864,957

Total Shares and Deposits 1 3 Years

9,553

Total Shares and Deposits > 3 Years

11,205

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,103,469

Total Uninsured Shares and Deposits > $250K (F+J)

1,103,469

Total Insured Shares and Deposits > $250K (item 17 less item K)

13,782,246

Total Interest Expense (Sum of items 6 8)

38,086

Share Certificates

130

Number of Accounts for Share Drafts

1,332

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,271

Non Member Deposits

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,384,228

Total Liabilities

14,947,541

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Garden City Teachers Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Garden City Teachers Federal Credit Union

How many branches does Garden City Teachers Federal Credit Union operate?

Garden City Teachers Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Garden City Teachers Federal Credit Union?

Yes, to access services at Garden City Teachers Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Garden City Teachers Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Garden City Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Garden City Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Garden City Teachers Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://gctcu.org.