The Credit Union for Texas School Employees

Conference Drawings

Enter the drawing for a chance to win $500 for your school disctrict!

TRUSTED BY TEXAS SCHOOL DISTRICTS SINCE 1948

Gulf Coast Educators FCU is a credit union dedicated to serving the financial needs of educators and school employees in the State of Texas. Here you will find all the same products and services of a big bank, designed specifically for school employees. Check out some of our most popular offers below.

  • ✔ Free HSA Administration – We administer Health Savings Account programs to Texas school districts at no cost to the district or their employees Learn More.
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  • ✔ High Interest Deposit Accounts – Earn a higher interest rate on school district funds. To learn more, contact Bob Hedrick at bhedrick@gcefcu.org.
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  • ✔ Teacher Mortgage – School Employees can finance a new home up to 103%, with no down payment or PMI required. Learn More.
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  • ✔ Texas Educators Rewards Credit Card – Available to all school employees in Texas who qualify. Earn rewards by shopping at all your favorite places. Learn More.
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  • ✔ Educator Loans – Low-rate loans to assist educators and their unique needs, such as purchasing classroom supplies and continuing professional development. Learn More.
Join Today

Three ways to become a member

To become a member of Gulf Coast Educators FCU, you must fall within our field of membership.

1. School District Employee

Employees who work regularly in the Educational Industry in the state of Texas, meaning they work for:

  • an elementary school, secondary school, or post-secondary school;
  • a county superintendent of schools office;
  • an authorized education foundation; or
  • a school board, either as employees or trustees.

Those who have retired as pensioners or annuitants from above employment are also eligible.

2. GCEFCU Employee

Employees of Gulf Coast Educators Federal Credit Union are eligible for membership.

3. Family Members

Immediate families or households that fall within the chart below are eligible for membership, as well as spouses of those who have died while within the field of membership of this credit union.

Disclosures

By submitting the form above, you will be entered into a drawing for a chance to win $500 for your school district. One winner will be randomly selected and notified on Monday, September 15, 2025.

Texas Educators Rewards Credit Card is only available to school employees within the state of Texas. Credit qualifications apply.

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.