Trusted by Texas School Districts Since 1948
Gulf Coast Educators Federal Credit Union is made up of educators and school employees, that is why all of our products and services revolve around the needs of Texas educators. We partner with school districts all across the state to assist them in providing affordable resources to their teachers and staff.
Free HSA Administration
We administer Health Savings Account programs to Texas school districts at no cost to the district or their employees.
No Fee to district or employee
Virtual or in-person enrollment support
Investment Options
Partnership with HSA Store
Card Controls and digital card issuance
Bond Investments
Earn a higher interest rate on school district funds. Deposits greater than $250,000.00 are insured by an Irrevocable Stand-by Letter of Credit purchased on your behalf.
CDs from 6 months to 3 year terms
Dedicated district liason
Support for Education Foundation funds
District Corporate Credit Cards
We can administer corporate credit cards for all your school district spending needs.
Individual card controls
Online banking access for administration
Dedicated credit lines per card
District Employee SupportDistrict Employee Support
District Employee Support
As a teacher’s credit union, Gulf Coast Educators FCU proudly supports and recognizes exceptional educators and campus leaders across Texas through staff appreciation events, partnerships with Education Foundations, community sponsorships, Classroom Mini Grants, and our Appreciated Teacher of the Year and Principal of the Year awards. To learn more about how we support teachers and school staff, visit the “About Us” tab on our website.
Educator MortgageEducator Mortgage
Educator Mortgage
If you are a teacher or school employee looking to buy a home, you are in luck. With a Gulf Coast Educators FCU Educator Mortgage, you can finance your new home up to 103%, with no down payment or PMI required. In addition, you can also refinance your current mortgage with the same perks. To see if this is the right fit for you, check out all of the qualifications by clicking the button below.
Educator Rewards Credit CardEducator Rewards Credit Card
Educator Credit Card
The Texas Educators Rewards Credit Card is available to help school employees with everyday expenses, both in the classroom and at home. We surveyed thousands of educators across the state of Texas, and based on your feedback, we’ve created the perfect teacher credit card.
Professional Development LoansProfessional Development Loans
Professional Development Loans
We understand that pursuing an advanced degree or professional certificate is an expensive endeavor for school employees striving to further their educational career, so we want to help. We want to assist in your efforts to reach your educational goals and offer this loan product to help pay for tuition, books, and other expenses associated with continued education.
APR RATE RANGE: 8.99% – 16.99%*
TERM: 60 months
AMOUNT: up to $10,000
24/7 Member Support24/7 Member Support
24/7 Member Support
Our contact center is available 24/7, seven days a week. Contact us by Phone, Video or Web Chat, By Email, Social media or visit any of our branches.
Banking on the GoBanking on the Go
Banking on the Go
Monitor your spending, pay bills, deposit checks, and even improve your credit score straight from your phone or mobile device.
4.9 Star rated mobile app
Remote deposit checks
Card Control
Zelle
Free credit monitoring and Identity theft protection
Meet Bob Hedrick, VP Business Relations
I’ve had the privilege of serving our credit union for the past 12 years, and as Vice President of Business Relations, my focus is on helping districts strengthen their financial strategies and improve employee retention. I work closely with district leaders to provide meaningful resources and tailored solutions that truly make an impact.
We offer competitive market-rate options for Bond Money Term Shares, no-cost HSA account administration, corporate credit cards, and a variety of financial products designed specifically to benefit district employees. Our team proudly partners with districts across the state, and I would welcome the opportunity to serve alongside you as well.
Please don’t hesitate to reach out if you have any questions- I look forward to connecting.
Still Have Questions?
Disclosures+ Show All | - Hide All
Educator Mortgage: Disclaimer: As a reminder, do not send confidential information, such as member number, social security number, etc. in an e-mail message. To apply for an Educator 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 45% debt-to-income limit. 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.
Professional Development Loan: TERMS AND CONDITIONS: *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notice. Loan only available to current school district employees. Member must present valid work contract, paycheck stub, or other proof of school district employment at time of loan origination. In addition, a copy of current tuition expenses must be presented prior to loan. The credit union will refinance original loan on a semester-by-semester basis, based on current tuition expenses, up to $10,000. No loan discounts. Members are required to have Direct Deposit and set up automatic payment or scheduled transfer (Online Banking). Payment Example: 24 monthly payments of $46.16 per $1,000 borrowed at 9.99%. Terms and conditions subject to change without notification.