Haul in More Savings Sweepstakes
Rev up your savings with a new or preowned auto loan! Purchase any new or preowned vehicle with financing from Gulf Coast Educators FCU, and you could be the lucky winner of a $250 gas gift card! We will randomly select one winner each month for February and March.
Here’s how to fuel your chances:
✔ Explore Vehicles: Find your perfect ride from new and preowned vehicles.
✔ Finance with Us: Secure your auto loan through Gulf Coast Educators FCU to automatically enter the sweepstakes.
✔ Win Big: Gear up for the announcement – you might be cruising with a $250 gas gift card!
Get Pre-Approved for Peace of Mind
Start and finish your auto loan all online. Whether you are buying a new or used vehicle, or refinancing your current one, you can complete the entire process all from your computer or mobile device. If you haven’t found the right car yet, we can help you get pre-approved so you can shop with confidence and peace of mind. Our team is here to help.
Cruise Down for More Perks
Everything You Need to Know About Auto Loans
Our Key Auto Loan Details
- ✔ Rates as low as 5.74% APR*
- ✔ Up to 100% financing on a new or pre-owned vehicle
- ✔ Terms up to 7 years
- ✔ Refinancing is available
- ✔ Loan discounts available
See How Much You Can Save
Don’t wait another day to trade in your old, money-guzzling loan for a sleek, affordable one at GCEFCU. The chart below illustrates just how much we could save you with an auto loan at GCEFCU.
|Example GCEFCU Member Auto Loan
|Average Bank Auto Loan
|GCEFCU Interest Savings Over The 60 Month Term Of A Similar Bank Auto Loan
|*Source: Bankrate, rates as of 8/01/2023. Rates vary depending on credit score and loan term.
✔ $250 Cash Back on any new, used, or outside refinanced auto loan over $15,000.
✔ Defer Your First Payment for the first 3 months after financing.
✔ Skip Your Loan Payments up to two times per calendar year.
✔ Easy to apply online, in person, or by phone
✔Up to 0.75 % APR* Discount off your auto loan rate. See discounts available here.
Member Auto Center
Our Member Auto Center has all the tools you need to find your next vehicle and give you peace of mind knowing you are getting good advice and deals. The Member Auto Center features the ability to search for new and used vehicles, advice on the car buying process and much more. Click the button below to visit our Member Auto Center website.
Loan Discounts Available
When you finance your auto loan with GCEFCU, you may qualify for additional loan rate discounts. These discounts can be combined to receive up to 0.75% off your APR*.
1. Credit Life or Disability Insurance Discount – Add Credit Life or Disability Insurance to your loan through the credit union and you may receive 0.25% off your APR*.
2. Gulf Coast Educators Insurance Services, LLC Discount – If you have any type of insurance service through Gulf Coast Educators Insurances Services, you may qualify for a discount of 0.25% off your APR*. Insurance offered through Gulf Coast Educators Insurance Services, LLC. Funds should not be considered a deposit or guaranteed by Gulf Coast Educators Federal Credit Union. Funds are not insured by the NCUA or any federal government agency.
3. Direct Deposit – If you have at least 1 payroll direct deposit per month of $500 or more into your GCEFCU checking account, you may receive a discount of 0.25% off your APR*.
Loan Discount Table
|Credit Life or Disability Insurance
|Gulf Coast Educators Insurance Services, LLC Discount
|Maximum discount is 0.75% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans.
Add Car Insurance & Protection
Auto Loan Insurance
While auto loan insurance doesn’t cover basic wear and tear on your vehicle, it is a necessary precaution to help you in the event of an accident resulting in either damage to your or another’s vehicle, or injury to anyone involved. Without insurance, you would be on your own to cover the financial costs out-of-pocket, which can often total thousands of dollars. At Gulf Coast Educators Insurance Services, we can help you get the best insurance coverage for the lowest cost.
Vehicle Protection Plans – Extended Warranty
GCEFCU offers several vehicle protection plans to add to your loan. With five levels of coverage, our protection plan offers affordable options to ensure your vehicle is protected against costly mechanical and electrical repairs. Additional benefits include:
- 24-Hour Roadside Assistance
- Manufacturer Deductible
- Mechanical First Air
- Tire, Delivery, Battery, Locksmith, and Towing service
- Substitute Transportation
- Trip Interruption
- Key Fob Coverage
- Dent & Windshield Repair
To compare covered components and see which plan best suits your needs, click here.
AUTO EXAM: AUTO EXAM’S goal is to protect the consumer from buying someone else’s problems. We will give you a written unbiased report identifying any problems such as: Was it maintained? Has it been in an accident? Is the mileage correct? Has it been flood damaged? Are there any mechanical problems? How much is the vehicle really worth? In conclusion, Auto Exam can answer these questions and much more.
CARFAX: Order a CARFAX Vehicle History Report. Your best protection against buying a used car with costly, hidden problems, including flood damage. CARFAX searches its nationwide database and provides a detailed report in seconds. In other words, it is a must have for buying a used vehicle.
Auto Loan Calculators
- How much will my auto payments be?
- How much car can I afford?
- Should I accelerate my auto payments?
- Should I take a rebate or low-cost financing?
Rates & Disclosures
Rates & Disclosures
Auto Loan Rates
(Not including discounts)
|Maximum Loan Discount
Per $1,000 Borrowed
|Up to 36 months
|Up to 48 months
|Up to 60 months
|Up to 72 months
|$15,000 and up
|Up to 84 months
|$25,000 and up
|*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. To view loan discounts available, click here.
Rate Disclosures: *APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. Payment Example: 60 monthly payments of $19.44 per $1,000 borrowed at 6.24% APR. Auto loans may receive a rate of 4.99% APR with a 3 year or less term with maximum discount.
Haul in More Savings Sweepstakes Official Rules & Qualifications:
All Gulf Coast Educators FCU Members in good standing are eligible. No purchase or obligation necessary to enter or to receive any prize. Entrants must be legal U.S. residents and 18 years of age or older at time of entry in the sweepstakes. Prize is non-transferable. Sweepstakes is subject to all applicable federal, state and local laws and regulations and is void where prohibited by law.
2. 2. PROMOTIONAL PERIOD
The Sweepstakes dates are February 1, 2024 – March 31, 2024.
3. TWO WAYS TO ENTER
1.During the promotion period, eligible members who finance a new or pre-owned Auto Loan with Gulf Coast Educators FCU between February 1, 2024 – March 31, 2024 will be automatically entered in the sweepstakes monthly drawing to win a cash prize in the amount of a $250 gas gift card. Credit Union InDirect Lending (CUDL and CUAC) loans, refinances, and any other 3rd party loans are not eligible. 2: To enter the sweepstakes without financing a New or Pre-owned vehicle with GCEFCU, clearly print your name, address, telephone number and the words “Haul In More Savings” on a 3″ x 5″ card and mail the card to: Haul In More Savings Sweepstakes, Gulf Coast Educators Federal Credit Union, 5953 Fairmont Parkway, Pasadena, Texas 77505. Entries received by mail will be eligible to win a $250 gas gift card if they are selected in the random drawing. Entries must be mailed in order to be received by sponsor on or before the last day of each month in the sweepstakes deadline for the prize drawing. Sponsor is not responsible for misdirected, damaged, illegible, postage-due, or incomplete entries not received by the deadline. Members may mail as many entry cards as they wish. MEMBERS WHO ARE ENTERED AUTOMATICALLY BY HAVING DIRECT DEPOSIT AS DESCRIBED ABOVE AND MEMBERS WHO ENTER BY MAIL SHALL HAVE THE SAME ODDS OF WINNING.
4. GENERAL CONDITIONS
By participating, you agree to be fully and unconditionally bound by these Official Rules & Qualifications, and you represent and warrant that you meet the eligibility requirements set forth herein. Decisions made by Sponsor are final. By entering the sweepstakes, you agree to be bound by the decisions of Sponsor and these Official Rules & Qualifications. You and your entries may be disqualified if you attempt to circumvent the Official Rules & Qualifications. The sweepstakes is subject to all applicable federal, state and local laws. Winners who are of legal age, by entering the sweepstakes, agree to grant the Sponsor the right to print, publish, broadcast and use, in any media including, but not limited to, the World Wide Web, at any time or times, their names and pictures for Sponsor’s advertising and promotional purposes without additional consideration. Further, by accepting a sweepstakes prize, winners agree to release Sponsor from any and all liability arising from acceptance, possession, use, loss or misuse of the prize.
Eligible entries automatically generated and those received by the deadline by mail will be eligible for a chance to win a $250 prize to be given at the end of each month during the promotion period. The monthly prize drawings will be held on the following dates at the Sponsor’s main office at 5953 Fairmont Parkway, Pasadena, Texas by 4:00 pm CST: March 4, 2024 & April 4, 2024.
6. ODDS OF WINNING & TAX LIABILITY
Odds of winning depend on the total number of entries automatically generated and those received by mail by 5:00 pm CST on the sweepstakes deadlines. Need not be present to win. Prize winners are responsible for any and all applicable federal and state income taxes associated with the awarding of the prizes. Sponsor may be required to file a 1099-MISC tax form in the name of the winner of the Grand Prize for the value of the prize. The cash value of the Grand Prize may be needed on the federal tax return of the winner as taxable income. Please consult your tax advisor.
7. GRAND PRIZE DESCRIPTION
Winners that were entered by having financed a new or pre-owned vehicle and those who entered by mail will receive a gas gift card prize in the amount of $250.
8. WINNER NOTIFICATION
Winners of the monthly prize will be notified by telephone and/or e-mail and will be required to complete, sign and return a Sponsor-supplied Affidavit of Eligibility/Liability Release/Publicity Release form within 14 days of being informed they are the winner. Failure to do so will result in forfeiture of the prize and a new winner will be selected by random drawing from all eligible entries. Sponsor shall have no liability for the winner’s failure to receive notices due to winners’ spam, junk e-mail or other security setting or for winners’ provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is found to be ineligible, fails to claim their prize within 14 days from the time an award notification was sent to winner, or fails to timely return a completed and executed declaration and releases as required, prize may be forfeited, and an alternate winner selected.
Each winner agrees to permit Sponsor to utilize his/her name and likeness in promotional and other Sponsor materials, without additional compensation or permission, except where prohibited by law.
10. 10. LIMITATIONS OF LIABILITY
Sponsor is not responsible for any injury, loss or damage or any other liability of any kind resulting from use of a prize won from Sponsor in this sweepstakes.
The promotion and drawing are governed by these Official Rules & Qualifications and the laws of the State of Texas. Any dispute regarding the sweepstakes shall be resolved only in a state or federal court location in or near Pasadena, Texas.
11. WINNERS’ NAME
For the names of the monthly winners, send a stamped, self-addressed envelope to: Haul In More Savings Sweepstakes, Gulf Coast Educators Federal Credit Union, 5953 Fairmont Parkway, Pasadena, Texas 77505. Requests for the list of winners’ names must be received by May 1, 2024.
Gulf Coast Educators Insurance Services, LLC Disclosure: Gulf Coast Educators Insurance Services, LLC discount is for insurance offered through Gulf Coast Educators Insurance Services, LLC. Funds should not be considered a deposit or guaranteed by Gulf Coast Educators Federal Credit Union. Funds are not insured by the NCUA or any federal government agency.
Extended Warranty Disclosure: Restrictions & limitations may apply. Please see contract for complete details. Please refer to your Vehicle Service Agreement for a more comprehensive list of what’s covered with your plan options. Parts pricing listed in illustration is based on average of actual repairs at a retail rate for Parts & Labor. Actual repair costs may vary by repair facility, vehicle, and location. Warranty products are provided and administered by SWBC and not guaranteed by the credit union.