Making Your Monthly Payment

There are several convenient options when making your monthly payments.

Online Banking

Transfer directly from your GCEFCU savings or checking account within online banking
Processing Time: Immediately
Fee: Free

Electronic Transfer

Add external accounts in your online banking to transfer money to and from.
Processing Time: 5 days
Fee: Free

In Person

Stop by any GCEFCU location or Shared Branching location to make a payment in person.
Processing Time: Immediately
Fee: Free

By Phone

Call us at 281-487-9333 to make payments using a credit card or other bank account.
Processing Time: 2 days
Fee: $10

Web Payment Center

Use a credit card or another bank or credit union account to make your loan payment.
Processing Time: 2 days
Fee: $5

By Mail

Mail your check payment to 5953 Fairmont Parkway, Pasadena, TX 77505. Please do not mail cash.
Processing Time: Next Business Day
Fee: Free

Pay From Your Phone – Download the GCEFCU App

Download our Free top-rated mobile app to make your payments straight from your phone. You can text “Apple” or “Android” to 281-843-8611 to have the download link sent straight to your phone, or click one of the buttons below.

GCEFCU Membership

As an educator, you’re all about helping students learn and grow to live the best lives they can. As a credit union that was formed exclusively for educators, Gulf Coast Educators FCU is all about helping YOU improve your financial life. We understand your needs, your goals, and your career as an educator.

Educating the youth of Texas is what you do. Educating you about how to bank better is what we do. Browse some of our products and services below to learn more.
 

Accounts

Savings accounts, Free Checking, Kid accounts, & more

Learn more

Loans

Auto loans, personal loans, credit cards, loans for educators.

Learn more

Home Loans

Mortgages, Refinances, Home Equity Loans, Teacher Mortgage

Learn more

Disclosures

Alternative Certification Financing Disclosure

*APR=Annual Percentage Rate. 0% APR* for 6 months, beginning from the date of contract being signed. After 6 months, your rate will convert to a standard APR of 8.99% APR, or 7.99% APR with direct deposit. Direct deposit is defined as a minimum of 2 electronic deposits made into a GCEFCU account within a 62-day period totaling $2,000 or greater. Monthly payment will be equal to 2% of amount financed. Monthly payment of $97.00 is based on 2% of $4,650.00. Any transactions made outside the program cost will be charged at a rate based on your credit score, which may affect the monthly payment amount. GCEFCU membership is required. Financing available through Gulf Coast Educators FCU Credit Card. GCEFCU is federally insured by the NCUA.

GULF COAST EDUCATORS VISA CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

Credit Card Fees

Annual Fee – None
Balance Transfer – Free
Cash Advance – 1% or $5.00 of the amount of each cash advance, whichever is greater. No fee if done in GCEFCU branch.
Foreign Transaction – 1.00% of each transaction in U.S. dollars.
Late Payment – $25
Over-the-Credit-Limit – $25
Returned Payment Fee – $25
 

Credit Card Details

How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

How We Will Calculate Your Balance
We use a method called “average daily balance (including new purchases).”

Effective Date: The information about the costs of the card described in this disclosure is accurate as of February 10, 2023.  This information may have changed after that date. To find out what may have changed, contact Gulf Coast Educators Federal Credit Union.

To see full credit card disclosures, click here.