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iAdvertiser Disclosure
Advertiser Disclosure
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 Gulf Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
Gulf Credit Union's Personal Loan Rates are at 12.00%. MonitorBankRates evaluates the financial stability of Gulf Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.30%. Rates were last updated on 03/29/2026. Gulf 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 Credit Union? Share your experience about Gulf Credit Union by leaving a review below, or read customer reviews before you decide to use Gulf Credit Union. 
Gulf Credit Union Mortgage Rates
Gulf Credit Union Home Equity & HELOC
Gulf Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Gulf 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Gulf Credit Union
Website
https://www.gecu.org
Address
2779 Aero Dr # A,
Port Arthur, TX 77640
Phone
409-963-1191
Fax
409-960-6130
President
Karen Brown
CEO
Todd Gaudin
Full-Time Employees
78
Part-Time Employees
6
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.30%
Return on Assets (ROA)
0.1210%
Return on Equity (ROE)
1.1824%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
328,098,364
Total Amount of Shares and Deposits
295,732,175
Total Shares and Deposits < 1 Year
268,340,852
Total Shares and Deposits 1 3 Years
27,135,190
Total Shares and Deposits > 3 Years
256,133
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,169,150
Total Uninsured Shares and Deposits > $250K (F+J)
13,169,150
Total Insured Shares and Deposits > $250K (item 17 less item K)
282,563,025
Total Interest Expense (Sum of items 6 8)
1,589,395
Share Certificates
874
Number of Accounts for Share Drafts
15,486
IRA KEOGH Accounts
438
Number of Accounts for Regular Shares
27,577
Money Market Shares
612
Net Income (unless the amount is already included in Undivided Earnings)
397,013
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,359,975
Total Liabilities
297,890,964
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Gulf Credit UnionIs Gulf Credit Union a safe place to deposit money?Yes, Gulf Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3019592589344%, 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 Gulf Credit Union operate?Gulf 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 Credit Union?Yes, to access services at Gulf 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Gulf Credit Union offer online and mobile banking?Most modern institutions like Gulf 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.gecu.org. Compare to Other Credit Unions
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