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Advertiser Disclosure
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 Gulf 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 23, 2026
Gulf Credit Union's Mortgage Loans- Purchase & Refinance rates are at 5.25%, Mortgage Loans- Purchase & Refinance rates are at 5.50%, Mortgage Loans- Purchase & Refinance rates are at 5.75%, Mortgage Loans- Purchase & Refinance rates are at 6.00%. Gulf Credit Union's Personal Loan Rates are as low as 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 2.08%. Rates last updated and verified on 09/23/2026. 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 Auto Loan Rates
Gulf Credit Union RV, Boat and Powersport Loan Rates
Gulf Credit Union Personal Loan Rates
Gulf Credit Union Other Rates
Financial Health HistoryGulf Credit Union’s Texas Ratio fell from 3.37% in Q2 2023 to 2.08% in Q1 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 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
5140 W Parkway St,
Groves, TX 77619
Phone
409-963-1191
Fax
409-960-6130
President
Karen Brown
CEO
Todd Gaudin
Full-Time Employees
81
Part-Time Employees
5
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
2.08%
Return on Assets (ROA)
0.0868%
Return on Equity (ROE)
0.8851%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
348,538,315
Total Amount of Shares and Deposits
313,308,461
Total Shares and Deposits < 1 Year
290,531,617
Total Shares and Deposits 1 3 Years
22,692,298
Total Shares and Deposits > 3 Years
84,546
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,284,813
Total Uninsured Shares and Deposits > $250K (F+J)
13,284,813
Total Insured Shares and Deposits > $250K (item 17 less item K)
300,023,648
Total Interest Expense (Sum of items 6 8)
662,050
Share Certificates
915
Number of Accounts for Share Drafts
15,473
IRA KEOGH Accounts
438
Number of Accounts for Regular Shares
27,989
Money Market Shares
589
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)
20,714,344
Total Liabilities
315,754,799
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Gulf Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Gulf Credit Union
Frequently Asked Questions About Gulf Credit UnionHow 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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