Loan Discounts
1. Extended Warranty Discount – GCEFCU offers several vehicle protection plans to add to your loan. If you add an extended warranty through the credit union, you can receive 0.25% off your APR*.
2. First Time Borrower/New Membership Discount – If you have never had a loan financed with GCEFCU, you can receive a discount of 0.25% off the APR* of your first loan.
3. 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*.
4. GAP with Powerbuy Discount – Add Gap with Powerbuy to your loan through the credit union and you may receive 0.25% off your APR*.
5. Multi Loan Discount – If you currently have multiple loans with GCEFCU, you may qualify for a multi loan discount of 0.25% off your APR*.
6. 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.
7. Direct Deposit – If you have at least 1 payroll direct deposit per month of $25 or more into your GCEFCU checking account, you may receive a discount of 0.25% off your APR*.
| DISCOUNT | DESCRIPTION | DISCOUNT |
| 1 | Extended Warranty | 0.25% |
| 2 | First Time Borrower/New Membership | 0.25% |
| 3 | Credit Life or Disability Insurance | 0.25% |
| 4 | GAP with PowerBuy | 0.25% |
| 5 | Multi Loan Discount | 0.25% |
| 6 | Gulf Coast Educators Insurance Services, LLC Discount | 0.25% |
| 7 | Direct Deposit | 0.25% |
| Maximum discount is 1.00% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.75% for personal loans. |
Loan Rates
Your credit union offers a wide range of consumer loans to meet all of our members’ needs. Our members can borrow with confidence that they are going to get a great rate with expert service. For mortgage rates, please contact one of our Real Estate Loan Officers.
Loan Payment Options
We promise to make it easy to do business with us and paying your loan should be no different. You’re sure to find a choice that’s right for you.
