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 Gulf Coast Educators Federal 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 18, 2026
Gulf Coast Educators Federal Credit Union's 12 month CD - Jumbo CD rates are at 4.01%, 6 month CD - Jumbo CD rates are at 3.91%, 2 year CD - Jumbo CD rates are at 3.65%, CD - CD 12 month rates are at 3.39%, CD - CD College Saver rates are at 3.39%. 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 at 11.24%. 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 were last updated on 04/18/2026. 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 Credit Card Rates
Gulf Coast Educators Federal Credit Union Personal Loan Rates
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
Stephen Harrell
CEO
Eric Stegall
Full-Time Employees
170
Part-Time Employees
14
Branch Locations
9
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.85%
Return on Assets (ROA)
0.3515%
Return on Equity (ROE)
2.3095%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
1,264,964,769
Total Amount of Shares and Deposits
1,026,481,951
Total Shares and Deposits < 1 Year
849,337,215
Total Shares and Deposits 1 3 Years
175,813,950
Total Shares and Deposits > 3 Years
1,330,786
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
312,078,792
Total Uninsured Shares and Deposits > $250K (F+J)
312,078,792
Total Insured Shares and Deposits > $250K (item 17 less item K)
714,403,159
Total Interest Expense (Sum of items 6 8)
18,417,211
Share Certificates
3,686
Number of Accounts for Share Drafts
38,478
IRA KEOGH Accounts
908
Number of Accounts for Regular Shares
84,807
All other shares
6,843
Money Market Shares
3,016
Net Income (unless the amount is already included in Undivided Earnings)
4,446,437
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
92,657,799
Total Liabilities
1,116,385,661
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Gulf Coast Educators Federal Credit UnionIs Gulf Coast Educators Federal Credit Union a safe place to deposit money?Yes, Gulf Coast Educators Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.848201985982%, 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 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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