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 products below.
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  • Texas Educators Rewards Credit Card – Available to all school employees who qualify. Earn rewards by shopping at all your favorite places and pay 0% APR* for your first 6 months. Learn More.
  • Teacher Mortgage – School Employees can finance a new home up to 103%, with no down payment or PMI required. Learn More.
  • Auto Loan Discounts – Get up to 0.75% off your APR* when you finance or refinance your car loan. Learn More.
  • Dollar Up Account – Link your GCEFCU debit card to a Dollar Up Savings Account, and have the extra change from your transactions automatically transferred to a savings account. Learn More.
  • Mobile App – Get 24/7 access to your funds using our top rated mobile app. Learn More.




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.

Savings & Checking Accounts


Savings accounts, Free Checking, Kid accounts, & more

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Auto & Personal Loans


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

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Real Estate

Home Loans

Mortgages, Refinances, Home Equity Loans, Teacher Mortgage

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Your time is valuable, so don’t waste it by rushing to the bank before or after work. Experience the convenience of banking with the people who know you best. Gulf Coast Educators FCU gives you 24/7 access to your money all online and through our mobile app.

Download our FREE Mobile App from the App Store or Google Play for your mobile device. You can also text “Apple” or “Android” to 281-843-8611 to have the download link sent straight to your phone.

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Open Your Account Online

Get started today by opening your account online. There is no cost to join, we only ask that you keep $1 in your savings account.



*APR=Annual Percentage Rate. Texas Educators Rewards Credit Card is only available to school employees within the state of Texas. Earn 0% APR* on all new purchases and balance transfers to a new GCEFCU credit card for six months, beginning from the date of opening your card. After six months, your rate will convert to a standard APR* of 6.99% – 18.00% APR* based on your credit score. Credit qualifications apply.