What are the current interest rates at Gulf Coast Educators Federal Credit Union?

Current rates for Gulf Coast Educators Federal Credit Union include: 12-Month CD: 3.39%, 18-Month CD: 3.29%, 24-Month CD: 3.03%, 60-Month CD: 2.52%, Savings: 3.02%, MMA: 2.02%

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Gulf Coast Educators Federal Credit Union Rates & Review November 2026

Q: What CD terms does Gulf Coast Educators Federal Credit Union offer?

Gulf Coast Educators Federal Credit Union CD rates are 3.96% APY for a 6 month CD, 4.06% APY for a 12 month CD, 3.96% APY for an 18 month CD, 3.80% APY for a 2 year CD and 2.52% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Gulf Coast Educators Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Gulf Coast Educators Federal Credit Union's Premium Term CD - 12 month rates are at 4.06%, Premium Term CD - 18 month rates are at 3.96%, Premium Term CD - 6 month rates are at 3.96%, CD - 12 month - Premium Deposit Account rates are at 3.91%, Premium Term CD - 2 year rates are at 3.80%. Gulf Coast Educators Federal Credit Union's savings rates are at 3.02%. Gulf Coast Educators Federal Credit Union's money market rates are at 2.02%. Gulf Coast Educators Federal Credit Union's checking rates are as high as 0.05%. Gulf Coast Educators Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.49%. Gulf Coast Educators Federal Credit Union's top CD rate of 4.16% APY on a 12 month CD is 38% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Gulf Coast Educators Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.85%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.85%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Gulf Coast Educators Federal Credit Union
Pasadena Office

5953 Fairmont Pkwy
Pasadena, TX 77505

https://www.gcefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Gulf Coast Educators Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month CD - Jumbo Term Share	4.10%	4.16%	12 month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01% Oct 23, 20264.16%▲ from 4.01% Oct 12, 20264.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
18 Month CD - Jumbo Term Share	4.00%	4.06%	18 month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91% Oct 23, 20264.06%▲ from 3.91% Oct 12, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
6 Month CD - Jumbo Term Share	4.00%	4.06%	6 month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91% Oct 23, 20264.06%▲ from 3.91% Oct 12, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium College Saver (12 month)	4.00%	4.06%	12 months
Min Deposit $25 Min Balance $25 Details Special Term Share Certificates; Jumbo Term Share Rates Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91% Oct 23, 20264.06%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 12 month	4.00%	4.06%	12 month
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.91% → 4.06% ▲ 0.15 pts · high 4.06% / low 3.91% Oct 23, 20264.06%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 18 month	3.90%	3.96%	18 month
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80% Oct 23, 20263.96%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 6 month	3.90%	3.96%	6 month
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80% Oct 23, 20263.96%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
2 Year CD - Jumbo Term Share	3.85%	3.91%	2 year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 3.65% → 3.91% ▲ 0.26 pts · high 3.91% / low 3.65% Oct 23, 20263.91%▲ from 3.65% Oct 12, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 12 month - Premium Deposit Account	3.85%	3.91%	12 month
Min Deposit $100 Details PDA dividend rate; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 2 year	3.75%	3.80%	2 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 23, 20263.80%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 18 month - Premium Deposit Account	3.75%	3.80%	18 month
Min Deposit $100 Details PDA dividend rate; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 6 month - Premium Deposit Account	3.75%	3.80%	6 month
Min Deposit $100 Details PDA dividend rate; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 3 year	3.65%	3.70%	3 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25% Oct 23, 20263.70%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 4 year	3.55%	3.60%	4 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03% Oct 23, 20263.60%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 5 year	3.55%	3.60%	5 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03% Oct 23, 20263.60%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
College Saver (12 month)	3.50%	3.55%	12 months
Min Deposit $25 Min Balance $25 Details Special Term Share Certificates; Jumbo Term Share Rates Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.55% / low 3.39% Oct 23, 20263.55%▲ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Emergency Savings Certificate (12 month)	3.50%	3.55%	12 months
Min Deposit $25 Min Balance $25 Details Special Term Share Certificates; Jumbo Term Share Rates Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.55% / low 3.39% Oct 23, 20263.55%▲ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 4 year	3.55%	3.55%	4 year
Min Deposit $100 Min Balance $100 Details Premium Deposit Account holder rate; Dividend rate 3.55%; APY 3.60% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03% Oct 23, 20263.55%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 5 year	3.55%	3.55%	5 year
Min Deposit $100 Min Balance $100 Details Premium Deposit Account holder rate; Dividend rate 3.55%; APY 3.60% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.55% ▲ 0.52 pts · high 3.55% / low 3.03% Oct 23, 20263.55%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 2 year - Premium Deposit Account	3.50%	3.55%	2 year
Min Deposit $100 Details PDA dividend rate; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 12 month	3.50%	3.55%	12 month
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.55% / low 3.39% Oct 23, 20263.55%▲ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 18 month	3.40%	3.44%	18 month
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.44% ▲ 0.15 pts · high 3.44% / low 3.29% Oct 23, 20263.44%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 6 month	3.40%	3.44%	6 month
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.44% ▲ 0.15 pts · high 3.44% / low 3.29% Oct 23, 20263.44%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 12 month	3.35%	3.39%	12 month
Min Deposit $100 Details Standard dividend rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.39% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 18 month	3.25%	3.29%	18 month
Min Deposit $100 Details Standard dividend rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 3 year - Premium Deposit Account	3.25%	3.29%	3 year
Min Deposit $100 Details PDA dividend rate; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 6 month	3.25%	3.29%	6 month
Min Deposit $100 Details Standard dividend rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 2 year	3.25%	3.29%	2 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.29% ▲ 0.26 pts · high 3.29% / low 3.03% Oct 23, 20263.29%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 3 year	3.15%	3.19%	3 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 3.19% ▲ 0.41 pts · high 3.19% / low 2.78% Oct 23, 20263.19%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 4 year	3.05%	3.09%	4 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.52% → 3.09% ▲ 0.57 pts · high 3.09% / low 2.52% Oct 23, 20263.09%▲ from 2.52% Sep 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 5 year	3.05%	3.09%	5 year
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.52% → 3.09% ▲ 0.57 pts · high 3.09% / low 2.52% Oct 23, 20263.09%▲ from 2.52% Sep 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 2 year	3.00%	3.03%	2 year
Min Deposit $100 Details Standard dividend rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 4 year - Premium Deposit Account	3.00%	3.03%	4 year
Min Deposit $100 Details PDA dividend rate; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 5 year - Premium Deposit Account	3.00%	3.03%	5 year
Min Deposit $100 Details PDA dividend rate; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
90 Day CD - Jumbo Term Share	2.85%	2.88%	90 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.88% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Term Share Certificate - 90 day	2.75%	2.78%	90 day
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 3 year	2.75%	2.78%	3 year
Min Deposit $100 Details Standard dividend rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 4 year	2.50%	2.52%	4 year
Min Deposit $100 Details Standard dividend rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - 5 year	2.50%	2.52%	5 year
Min Deposit $100 Details Standard dividend rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share Certificate (CD) - 90 day	2.25%	2.27%	90 day
Min Deposit $100 Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Gulf Coast Educators Federal Credit Union Savings Rates

Product	Rate	APY
Dollar Up Savings	2.99%	3.02%
Min Deposit $0 Min Balance $5 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Dollar Up Savings	-	2.99%
Min Balance $5 Details Minimum balance of $5 to begin earning 2.99% APY; no outside deposits; debit card round-up amounts deposited daily and transferred to primary savings quarterly Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.02% → 2.99% ▼ 0.03 pts · high 3.02% / low 2.99% Oct 15, 20262.99%▼ from 3.02% Sep 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Christmas Club Account	0.05%	0.05%
Min Deposit $25 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Sandy Saver	0.05%	0.05%
Min Deposit $1 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Share Account	0.05%	0.05%
Min Deposit $1 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Gulf Coast Educators Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.00%	2.02%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market	1.50%	1.51%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market	1.25%	1.26%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market	1.00%	1.00%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Gulf Coast Educators Federal Credit Union Checking Rates

Product	Rate	APY	View More
Advantage Checking Account	0.05%	0.05%
Min Deposit $0 Min Balance $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Gulf Coast Educators Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	7.49%	Up to 60 months
Details As Low As; Starting APR (not including discounts); Maximum Loan Discount: 0.75% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
RV/Trailer Loan	-	7.49%	Up to 60 months
Details As Low As; Maximum Loan Discount: 0.75%; Payment Example Per $1,000 Borrowed: $20.02; Loan Amount: blank in source Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
RV/Trailer Loan	-	8.74%	Up to 84 months
Details As Low As; Loan Amount: $25,000 and up; Maximum Loan Discount: 0.75%; Payment Example Per $1,000 Borrowed: $15.95 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Gulf Coast Educators Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Educator Loans - Alternative Teaching Certification	-	-	8.99%	Up to 60 months
Details As Low As; Starting APR (not including discounts) Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Educator Loans - Classroom Supplies	-	-	8.99%	Up to 12 months
Details As Low As; Starting APR (not including discounts); Loan Amount: Up to $1,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Educator Loans - Professional Development	-	-	8.99%	Up to 60 months
Details As Low As; Starting APR (not including discounts); Loan Amount: Up to $10,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Miscellaneous Equipment Loan	-	-	8.50%	Up to 60 months
Details Starting APR (not including discounts); Maximum Loan Discount: 0.75%; Payment Example Per $1,000 Borrowed: $20.50 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Title Loan	-	-	4.49%	Up to 36 months
Details As Low As; Starting APR (not including discounts); Maximum Loan Discount: 0.75%; Payment example per $1,000 borrowed: $29.72 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Title Loan	-	-	4.74%	Up to 48 months
Details As Low As; Starting APR (not including discounts); Maximum Loan Discount: 0.75% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Title Loan	-	-	4.99%	Up to 60 months
Details As Low As; Starting APR (not including discounts); Maximum Loan Discount: 0.75% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Title Loan	-	-	5.49%	Up to 72 months
Details As Low As; Starting APR (not including discounts); Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Title Loan	-	-	6.24%	Up to 84 months
Details As Low As; Starting APR (not including discounts); Loan Amount: $25,000 and up; Maximum Loan Discount: 0.75% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium IRA	3.49%	-	3.55%
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.03% → 3.55% ▼ 0.48 pts · high 4.03% / low 3.55% Oct 8, 20263.55%▼ from 4.03% Sep 14, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium IRA	3.59%	-	3.65%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.14% → 3.65% ▼ 0.49 pts · high 4.14% / low 3.65% Oct 8, 20263.65%▼ from 4.14% Sep 14, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium IRA	3.69%	-	3.76%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 3.76% ▼ 0.48 pts · high 4.24% / low 3.76% Oct 8, 20263.76%▼ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium IRA	3.79%	-	3.86%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.35% → 3.86% ▼ 0.49 pts · high 4.35% / low 3.86% Oct 8, 20263.86%▼ from 4.35% Sep 14, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Market IRA	3.96%	-	4.03%
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Market IRA	4.06%	-	4.14%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.14% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Market IRA	4.16%	-	4.24%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.24% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Premium Market IRA	4.26%	-	4.35%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Standard IRA	0.35%	-	0.35%
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Standard IRA	0.50%	-	0.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Standard IRA	0.65%	-	0.65%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Standard IRA	0.75%	-	0.75%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - College Saver	3.35%	-	3.39%
Min Deposit $100 Details Standard dividend rate; College Saver CD Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.39% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Term Share CD - College Saver - Premium Deposit Account	3.85%	-	3.91%
Min Deposit $100 Details PDA dividend rate; College Saver CD; requires Premium Deposit Account Holder status Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

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

Gulf Coast Educators Federal Credit Union’s Texas Ratio rose from 2.58% in Q3 2023 to 3.85% in Q2 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
June 30, 2026	$1.3B	3.85%	5.0	A+
March 31, 2026	$1.3B	2.47%	5.0	A+
December 31, 2025	$1.3B	3.89%	5.0	A+
September 30, 2025	$1.3B	3.70%	5.0	A+
June 30, 2025	$1.2B	3.58%	5.0	A+
March 31, 2025	$1.2B	2.31%	5.0	A+
December 31, 2024	$1.2B	3.35%	5.0	A+
September 30, 2024	$1.3B	2.67%	5.0	A+
June 30, 2024	$1.3B	2.74%	5.0	A+
March 31, 2024	$1.3B	1.73%	5.0	A+
December 31, 2023	$1.3B	2.31%	5.0	A+
September 30, 2023	$1.3B	2.58%	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 Gulf Coast Educators 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 Gulf Coast Educators 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 Gulf Coast Educators Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gulf Coast Educators Federal Credit Union

Website https://www.gcefcu.org

Address 5953 Fairmont Pkwy, Pasadena, TX 77505

Phone 281-487-9333

Fax 281-998-5891

President Lisa Nixon

CEO Eric Stegall

Full-Time Employees 177

Part-Time Employees 16

Branch Locations 10

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.85%

Return on Assets (ROA)

0.4553%

Return on Equity (ROE)

2.8989%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

1,268,541,490

Total Amount of Shares and Deposits

1,091,182,141

Total Shares and Deposits < 1 Year

990,638,072

Total Shares and Deposits 1 3 Years

100,106,419

Total Shares and Deposits > 3 Years

437,650

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

354,091,768

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

354,091,768

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

737,090,373

Total Interest Expense (Sum of items 6 8)

10,824,359

Share Certificates

3,928

Number of Accounts for Share Drafts

39,775

IRA KEOGH Accounts

923

Number of Accounts for Regular Shares

85,676

All other shares

7,098

Money Market Shares

3,089

Net Income (unless the amount is already included in Undivided Earnings)

5,775,250

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)

94,856,308

Total Liabilities

1,110,003,442

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Gulf Coast Educators Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Gulf Coast Educators Federal Credit Union

Does Gulf Coast Educators Federal Credit Union offer CDs?

Yes. Gulf Coast Educators Federal Credit Union current CD rates include its Premium Term CD - 12 month at 4.06% APY, its Premium Term CD - 18 month at 3.96% APY and its Premium Term CD - 6 month at 3.96% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Gulf Coast Educators Federal Credit Union NCUA insured?

Yes. Gulf Coast Educators Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Gulf Coast Educators Federal Credit Union?

The highest Gulf Coast Educators Federal Credit Union CD rate is its 12 Month CD - Jumbo CD at 4.16% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Gulf Coast Educators Federal Credit Union offer?

Gulf Coast Educators Federal Credit Union CD rates are 3.96% APY for a 6 month CD, 4.06% APY for a 12 month CD, 3.96% APY for an 18 month CD, 3.80% APY for a 2 year CD and 2.52% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Gulf Coast Educators Federal Credit Union for its full lineup.

What is the highest savings rate at Gulf Coast Educators Federal Credit Union?

The highest Gulf Coast Educators Federal Credit Union savings rate is its Dollar Up Savings at 3.02% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Gulf Coast Educators Federal Credit Union?

The highest Gulf Coast Educators Federal Credit Union money market rate is its Money Market at 2.02% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Gulf Coast Educators Federal Credit Union?

The highest Gulf Coast Educators Federal Credit Union checking rate is its Advantage Checking Account at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.

How many branches does Gulf Coast Educators Federal Credit Union operate?

Gulf Coast Educators 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 Gulf Coast Educators Federal Credit Union?

Yes, to access services at Gulf Coast Educators 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, Gulf Coast Educators 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, Gulf Coast Educators Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gulf Coast Educators Federal Credit Union offer online and mobile banking?

Most modern institutions like Gulf Coast Educators 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.gcefcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Gulf Coast Educators Federal Credit Union rates compare?

Gulf Coast Educators Federal Credit Union's top CD rate of 4.16% APY on a 12 month CD is 38% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. Gulf Coast Educators Federal Credit Union's top rates are its 12 Month CD - Jumbo CD at 4.16% APY, its Dollar Up Savings at 3.02% APY, its Money Market at 2.02% APY, its Advantage Checking Account at 0.05% APY and its Motorcycle Loan at 7.49% APR, verified by MonitorBankRates on October 28, 2026.

Current Gulf Coast Educators Federal Credit Union Rates

12-Month CD3.39%
18-Month CD3.29%
24-Month CD3.03%
60-Month CD2.52%
Savings3.02%
MMA2.02%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Gulf Coast Educators Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Gulf Coast Educators Federal Credit Union Texas Ratio

Gulf Coast Educators Federal Credit Union Health Trend

Gulf Coast Educators Federal Credit Union CD Rates

Gulf Coast Educators Federal Credit Union Savings Rates

Gulf Coast Educators Federal Credit Union Money Market Rates

Gulf Coast Educators Federal Credit Union Checking Rates

Gulf Coast Educators Federal Credit Union RV, Boat and Powersport Loan Rates

Gulf Coast Educators Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Gulf Coast Educators Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Gulf Coast Educators Federal Credit Union

Does Gulf Coast Educators Federal Credit Union offer CDs?

Are CDs from Gulf Coast Educators Federal Credit Union NCUA insured?

What is the highest CD rate at Gulf Coast Educators Federal Credit Union?

What CD terms does Gulf Coast Educators Federal Credit Union offer?

What is the highest savings rate at Gulf Coast Educators Federal Credit Union?

What is the highest money market rate at Gulf Coast Educators Federal Credit Union?

What is the highest checking rate at Gulf Coast Educators Federal Credit Union?

How many branches does Gulf Coast Educators Federal Credit Union operate?

Is a member application needed to join Gulf Coast Educators Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Gulf Coast Educators Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Gulf Coast Educators Federal Credit Union rates compare?

Current Gulf Coast Educators Federal Credit Union Rates

Compare to Other Credit Unions