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Greater Central Texas Federal Credit Union

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Greater Central Texas Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Central Texas 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: April 25, 2026

You can compare Greater Central Texas Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 0.15% and 3-month share certificate rates at 3.65%. Savings rates are at 0.05% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to Greater Central Texas Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Greater Central Texas Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates were last updated on 04/25/2026.

Greater Central Texas 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 Greater Central Texas Federal Credit Union? Share your experience about Greater Central Texas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Central Texas Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Greater Central Texas Federal Credit Union
Greater Central Texas

3305 E Elms Rd
Killeen, TX 76542

https://www.gctfcu.net

Current Rate Availability

We do not have Greater Central Texas Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Greater Central Texas 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 Greater Central Texas 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 Greater Central Texas Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Central Texas Federal Credit Union

Website https://www.gctfcu.net

Address 3305 E Elms Rd, Killeen, TX 76542

Phone 254-690-2274

Fax 254-690-2708

President Stephen Caruso

CEO Bobby Whitson

Full-Time Employees 8

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.01%

Return on Assets (ROA)

0.8068%

Return on Equity (ROE)

7.5912%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

34,731,492

Total Amount of Shares and Deposits

30,928,693

Total Shares and Deposits < 1 Year

30,558,234

Total Shares and Deposits 1 3 Years

370,459

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

1,022,170

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

1,022,170

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

29,906,523

Total Interest Expense (Sum of items 6 8)

32,279

Share Certificates

Number of Accounts for Share Drafts

1,153

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,104

Money Market Shares

155

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,666,162

Total Liabilities

31,040,327

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Greater Central Texas Federal Credit Union

Is Greater Central Texas Federal Credit Union a safe place to deposit money?

Yes, Greater Central Texas Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.010720898470405%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Greater Central Texas Federal Credit Union operate?

Greater Central Texas 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 Greater Central Texas Federal Credit Union?

Yes, to access services at Greater Central Texas 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, Greater Central Texas 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, Greater Central Texas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greater Central Texas Federal Credit Union offer online and mobile banking?

Most modern institutions like Greater Central Texas 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://www.gctfcu.net.