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 Gulf Coast Educators Federal Credit Union Rates & Review September 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 and Verified: September 18, 2026
Gulf Coast Educators Federal Credit Union's Jumbo Term CD (CD) - 12 month rates are at 4.01%, 12 Month Term CD (CD) rates are at 3.91%, Jumbo Term CD (CD) - 18 month rates are at 3.91%, Jumbo Term CD (CD) - 6 month rates are at 3.91%, 18 Month Term CD (CD) 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 1.00%. Gulf Coast Educators Federal Credit Union's Personal Loan Rates are as low as 12.74%. 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 2.47%. Rates last updated and verified on 09/18/2026. 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. Gulf Coast Educators Federal Credit Union
Pasadena Office 5953 Fairmont Pkwy
https://www.gcefcu.org Pasadena, TX 77505 
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 Auto Loan Rates
Gulf Coast Educators Federal Credit Union RV, Boat and Powersport Loan Rates
Gulf Coast Educators Federal Credit Union Personal Loan Rates
Gulf Coast Educators Federal Credit Union Other Rates
Financial Health HistoryGulf Coast Educators Federal Credit Union’s Texas Ratio stayed near 2.38% in Q2 2023 to 2.47% in Q1 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
172
Part-Time Employees
16
Branch Locations
10
ATM Locations
8
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
2.47%
Return on Assets (ROA)
0.1932%
Return on Equity (ROE)
1.2382%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
1,255,431,780
Total Amount of Shares and Deposits
1,059,841,888
Total Shares and Deposits < 1 Year
974,314,489
Total Shares and Deposits 1 3 Years
85,135,443
Total Shares and Deposits > 3 Years
391,956
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
322,916,872
Total Uninsured Shares and Deposits > $250K (F+J)
322,916,872
Total Insured Shares and Deposits > $250K (item 17 less item K)
736,925,016
Total Interest Expense (Sum of items 6 8)
5,533,926
Share Certificates
3,799
Number of Accounts for Share Drafts
39,286
IRA KEOGH Accounts
912
Number of Accounts for Regular Shares
85,126
All other shares
7,197
Money Market Shares
3,069
Net Income (unless the amount is already included in Undivided Earnings)
2,425,266
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)
90,799,695
Total Liabilities
1,100,237,871
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Gulf Coast Educators Federal Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Gulf Coast Educators Federal Credit UnionHow 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. Current Gulf Coast Educators Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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