Current Specials & Promotions
Refer A Friend. Get $50.
Ongoing – Spread the credit union love by telling all your eligible friends & family members to join Gulf Coast Educators FCU. When they open their new account with your referral link, you’ll both get $50!
Katy ISD New Neighbor
June 1 – September 30, 2021 – Our new Katy location will be located on I-10, just west of 99 next to Buc-ee’s. To celebrate, we are giving our new neighbors a special deal. For a limited time, all Katy ISD employees who join the credit union will receive a $100 cash welcome present. Promo code: KATY100
$250 Cash Back & $500 Credit Card Approval
May 3 – December 31, 2021 – There has never been a better time to buy a car or refinance your existing one. This summer we are paying YOU $250 when you finance your vehicle loan with us, plus so much more. You can even give your wallet a break this summer & skip your first 3 payments. Check out all the exclusive savings you can combine to get the best deal possible.
0% Interest Rate for Your First 6 Months with a GCEFCU Credit Card
January 1 – December 31, 2021 – Earn 0% APR* for your first 6 months, and a low fixed rate after that, when you open a GCEFCU credit card. Choose from our Classic, Rewards, or Texas Educators Rewards Credit Card. Transfer your existing credit card balance to save money and pay down your debt.
Teacher Mortgage – More Perks!
Ongoing – If you are a teacher or school employee looking to buy a home, you are in luck. With a Gulf Coast Educators FCU Teacher Mortgage, you can finance your new home up to 103%, with no down payment or PMI required. To see if this conventional mortgage loan is the right fit for you, click the button below.
Ongoing – When you finance your auto loan with GCEFCU, you may qualify for additional loan rate discounts. We offer discounts to first time borrowers, members with multiple GCEFCU loans, and more. These discounts can be combined to receive up to 1.00% off your APR*.
No Payments for 90 Days
Ongoing – When you finance your new or used vehicle with GCEFCU, you won’t have to make your first car payment for 90 days. Love your car but not your payment? That’s ok – If you financed your last vehicle at another lender, it’s not too late to change your mind and refinance with Gulf Coast Educators FCU for less. Plus, you can defer making your first payment on your refinanced loan for 30, 60, or 90 days.
VISA Offers & Perks
Ongoing – Enjoy discounts from VISA when you use your GCEFCU debit card at participating retailers.
Ongoing – One of the many perks to being a GCEFCU member is that you get access to discounted tickets to local theme parks, museums, and events. To access the discount ticket page, click the button below.
Refer A Friend: To receive $50 referral bonus, you must be a member of Gulf Coast Educators FCU in good standing with no charged off or delinquent accounts or loans. When someone you referred opens a new GCEFCU membership with a savings and checking account using your personal referral link, we will deposit $50 into your GCEFCU checking account, and $50 into their new GCEFCU checking account. Rewards will be deposited within 7-10 business days. Both individuals must be 18 years or older. A minimum balance of $5 is required to open and maintain a GCEFCU membership. Offer expires within 90 days of original referral date. Additional terms and conditions apply. Click here for full terms, conditions, and requirements.
Katy ISD New Neighbor: Katy ISD employees who open their new GCEFCU membership with a savings and checking account between June 1 – September 30, 2021 will receive $100. Promo code “KATY100” must be used when opening account online. If opening membership in person at a GCEFCU location, must mention KATY100 offer. Offer available only for current Katy ISD employees who do not already have a GCEFCU membership. Proof of employment may be required. Must open savings and checking account to qualify. A minimum deposit of $5 is required to open and maintain a membership. If new member qualifies for this promotion, GCEFCU will deposit the initial $5 into their primary savings account upon opening membership.
The $100 incentive will be deposited directly into the member’s new savings account within 8-10 business days after opening new membership. Account must remain open for a minimum of 6 months with a minimum balance of $5 and must have had activity since account opening date. If account is closed before 6 months or is inactive at the 6 month date, GCEFCU reserves the right to close the account and member forfeits the $100 incentive. If warranted, 1099 forms will be issued the following January. Promotion cannot be combined with other incentives such as the credit union’s Refer a Friend program. GCEFCU reserves the right to cancel this promotion at any time for any reason.
$250 Cash Back Disclosure: Auto loans financed with Gulf Coast Educators FCU between May 3, 2021 – December 31, 2021 and meet the following qualifications will receive $250 cash back. Loan must be a new or used auto, or outside refinance. Credit Union InDirect Lending (CUDL and CUAC) loans, and any other 3rd party loans, not eligible for rebate. Purchase of a new or used car must be from a franchise dealership. This promotion is effective 05/03/2021. Refinancing of existing GCEFCU Auto Loans not eligible. Minimum loan amount must be $15,000 or greater. Loans funded before or after the promotional dates of May 3, 2021 through December 31, 2021 do not qualify. The $250 cash back bonus will be deposited into the primary borrower’s primary savings account once the loan is funded. Co-borrowers and joint applicants do not qualify for the $250 cash back. GCEFCU reserves the right to cancel this promotion at any time for any reason. Offer expires December 31, 2021.
$1,000 Credit Card Approval Disclosure: Members who finance an auto loan with Gulf Coast Educators FCU between May 3, 2021 – December 31, 2021 and meet the following qualifications will receive a guaranteed $1,000 credit card approval with the funding of the collateralized loan. Loan must be a new or used auto, or outside refinance. Credit Union InDirect Lending (CUDL and CUAC) loans, and any other 3rd party loans, not eligible for rebate. Purchase of a new or used car must be from a franchise dealership. This promotion is effective 05/03/2021. Refinancing of existing GCEFCU Auto Loans not eligible. Minimum loan amount must be $15,000 or greater. Loans funded before or after the promotional dates of May 3, 2021 through December 31, 2021 do not qualify. Guaranteed credit card approval is for the primary borrower only and not applicable to co-borrowers or joint applicants. Proof of credit and/or income will not be required as long as the auto loan is funded prior. Member must not already have a current GCEFCU credit card account. GCEFCU reserves the right to cancel this promotion at any time for any reason. Offer expires December 31, 2021.
0% Interest Rate for Your First 6 Months with a GCEFCU Credit Card – *APR=Annual Percentage Rate. Earn 0% APR* on all new purchases and balance transfers to a new GCEFCU credit card for six months, beginning from the date of opening your card. After six months, your rate will convert to a standard APR* of 6.99% – 18.00% APR* based on your credit score. This offer does not automatically approve you for a GCEFCU credit card. GCEFCU reserves the right to cancel this promotion at any time, for any reason.
Teacher Mortgage – To apply for a Teacher Mortgage Loan at least one applicant must be a current teacher or school employee for at least 2 consecutive years in a Texas school district. All applicants must have a credit score of 680 or higher and a 43% debt-to-income limit. Maximum loan amount is $250,000 for single applicants and $400,000 for joint applicants. Applicants may finance up to 103% LTV. Additional 3% is to be utilized for closing costs only – No cash back and no “coverage” for a lower appraised home permitted. This program is intended for primary residences within the state of Texas only, not vacation homes or investment properties. Other conditions may apply.
Loan Discounts – *APR=Annual Percentage Rate. Maximum discount is 1.00% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.75% for personal loans..
No Payments for 90 Days – Deferment is NOT available on loans already financed with Gulf Coast Educators FCU. Your rate will be based on the term of your loan and creditworthiness. Interest will continue to accrue during the deferral period and by electing to defer your car payments, the total interest charge will increase and extend the time required to pay your loan in full based on your required monthly payment. GAP insurance may not cover skipped payments.
VISA Offers & Perks – Offers are provided by VISA.
Discount Tickets – Not valid with any other offers or coupons. All prices subject to change without notice. Tickets are non-refundable. GCEFCU not responsible for errors or omissions.