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Advertiser Disclosure
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Texas Gulf Carolina Employees Credit Union Rates & Review April 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.
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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: April 5, 2026
You can compare Texas Gulf Carolina Employees Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.38%, 6-month share certificate rates at 3.95% and 3-month share certificate rates at 3.65%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.56%. All these rates can be compared to Texas Gulf Carolina Employees Credit Union rates. MonitorBankRates evaluates the financial stability of Texas Gulf Carolina Employees Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.13%. Rates were last updated on 04/05/2026. Texas Gulf Carolina Employees 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 Texas Gulf Carolina Employees Credit Union? Share your experience about Texas Gulf Carolina Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Texas Gulf Carolina Employees Credit Union. Texas Gulf Carolina Employees Credit Union
Lee Creek 1530 NC Highway 306 S
Aurora, NC 27806 9245 
Current Rate AvailabilityWe do not have Texas Gulf Carolina Employees Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Texas Gulf Carolina Employees 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 Texas Gulf Carolina Employees 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 Texas Gulf Carolina Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Texas Gulf Carolina Employees Credit Union
Address
1530 NC Highway 306 S,
Aurora, NC 27806 9245
Phone
252-322-4111
Fax
252-322-8090
President
Alton Smith
CEO
Quesha Tatum
Full-Time Employees
2
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.13%
Return on Assets (ROA)
-3.4408%
Return on Equity (ROE)
-10.3643%
Non-Performing Loans Ratio (NPL)
5.14%
Total Assets
1,448,484
Total Amount of Shares and Deposits
912,418
Total Shares and Deposits < 1 Year
912,418
Total Insured Shares and Deposits > $250K (item 17 less item K)
912,418
Total Interest Expense (Sum of items 6 8)
20,625
Share Certificates
1
Number of Accounts for Regular Shares
316
Net Income (unless the amount is already included in Undivided Earnings)
-54,337
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
-30,323
Total Liabilities
967,604
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Texas Gulf Carolina Employees Credit UnionIs Texas Gulf Carolina Employees Credit Union a safe place to deposit money?Yes, Texas Gulf Carolina Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 10.132673432041%, 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 Texas Gulf Carolina Employees Credit Union operate?Texas Gulf Carolina Employees 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 Texas Gulf Carolina Employees Credit Union?Yes, to access services at Texas Gulf Carolina Employees 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, Texas Gulf Carolina Employees 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, Texas Gulf Carolina Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Texas Gulf Carolina Employees Credit Union offer online and mobile banking?Most modern institutions like Texas Gulf Carolina Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. Compare to Other Credit Unions
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