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Advertiser Disclosure
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 Greater Central Texas Federal Credit Union Rates & Review August 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 and Verified: August 28, 2026
Greater Central Texas Federal Credit Union's 24 month rates are at 3.03%, 36 month rates are at 3.03%, 12 month rates are at 2.53%, 6 month rates are at 2.27%. Greater Central Texas Federal Credit Union's savings rates are at 0.10%. Greater Central Texas Federal Credit Union's money market rates are at 0.10%. 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 last updated and verified on 08/28/2026. 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. Greater Central Texas Federal Credit Union
Greater Central Texas 3305 E Elms Rd
https://www.gctfcu.net Killeen, TX 76542 
Greater Central Texas Federal Credit Union CD Rates
Greater Central Texas Federal Credit Union Savings Rates
Greater Central Texas Federal Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
25
Number of Accounts for Share Drafts
1,153
IRA KEOGH Accounts
49
Number of Accounts for Regular Shares
2,104
Money Market Shares
155
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)
3,666,162
Total Liabilities
31,040,327
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Greater Central Texas Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Greater Central Texas Federal Credit Union
Frequently Asked Questions About Greater Central Texas Federal Credit UnionHow 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. Current Greater Central Texas Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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