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Member Eligibility

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 whithin the field of membership of this credit union.

See What GCEFCU Has To Offer

Gulf Coast Educators Federal Credit Union offers a wide range of innovative services that will enable you do to your banking any time, anywhere. At GCEFCU, you are more than just an account number. You are a member-owner that shares in the credit union’s success.

SAVINGS & INVESTMENTS

• Sandy Saver Kids’ Club (12 and under)
• Term Share Accounts (CDs)
• Jumbo Term Share Accounts (CDs over $100,000)
• Premium Deposit Accounts (PDA)
• College Saver Certificate
• Money Market Account
• Health Savings Account (HSA)
• Individual Retirement Account (IRA)
• Christmas Club Account
• My Savings Goal Account
• Dollar Up Savings Account

CHECKING ACCOUNTS

• Free Checking
• Advantage Checking
• Student Checking (ages 13-17)

CONSUMER LOANS

• Auto Loans (New & Refinanced)
• Credit Cards
• Personal Loans
• Credit Saver Loan
• Boat Loan
• Motorcycle Loan
• RV/Travel Trailer Loan

EDUCATOR LOANS

• Classroom Supplies Loan
• Relocation Loan
• Professional Development Loan
• First Year Teacher Loan
• Teacher Mortgage

REAL ESTATE LOANS

• Mortgage Loans
• Home Equity Loans
• Land Loans
• Teacher Mortgage

Member Perks

Being a member of a credit union for teachers has its perks. Not only will you have an affordable & convenient place to do your banking, but you will also have access to all of the great benefits listed below.

Allpoint Surcharge Free ATMs

There is never a charge to use a Gulf Coast Educators VISA® debit card at one of our ATMs. Other financial institution ATMs charge fees (surcharges) to use their ATMs.  To avoid these charges, we’ve partnered with Allpoint Nationwide Network.  With Allpoint you have access to your funds wh “no surcharge fees” at tens of thousands of ATMs nationwide.

Direct Deposit & Payroll Deduction

Your time is worth money and we know it. That’s why we offer you the convenience of doing business with your credit union through direct deposit. The best part is that our members with direct deposit report receiving their deposits at least a day before their coworkers who have accounts elsewhere*.

Discount Tickets

We offer our members discount tickets for several amusement and theme parks in our area. To purchase tickets, you may contact the credit union for your verified member password (NOT your online banking password), and then purchase them online.

Classroom Mini Grants

If you have a project or lesson plan you’d like to implement in your classroom, but don’t have the funds to do so, we are here to help. Every January and July we accept hundreds of applications for our $100 Classroom Mini Grants. Must be a GCEFCU member to apply.

Scholarships

Gulf Coast Educators offers thousands of dollars in scholarships to graduating high school seniors every year. Must be a GCEFCU member to apply.

Educator Resources

Our Money Talks blog features articles about saving, credit, fraud, and resources for educators. Check out our tips and tricks on all things financial and educational.

Find an ATM

There is never a charge to use Gulf Coast Educators ATMs, but some other financial institutions impose fees called “surcharges” when you use their ATMs. Not nice. To avoid these fees, we’ve partnered with the Allpoint Nationwide Network. Look for one of the more than 55,000 Worldwide Allpoint ATMs for a “No Surcharge” ATM near you. You’ll find Allpoint ATMs in retail locations such as Walgreens, CVS, Target and more. Last month alone, our members saved over $30,000 in surcharges by using Allpoint ATMs. That’s money that our members got to keep.

Find an Allpoint “No-Surcharge” ATM near you.

Using the Allpoint search feature will redirect you to the Allpoint website. Gulf Coast Educators Federal Credit Union is not responsible for the content of the alternate website.