What kind of loan are you looking for?
Auto Loans
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.
Personal Loans
Whether you want to make a lifestyle purchase or consolidate debt, our unsecured personal loans are a great way for you to access extra cash without having to dig into your savings.
Educator Loans
As a credit union that’s dedicated to serving educators, we’ve learned a thing or two about their unique needs. These products are designed with our members who work in the education field.
Real Estate Loans
We specialize in working with educators and school district employees and have a full-service real estate lending department to handle your mortgage, land loan or home equity needs.
Other Loans
GCEFCU offers a wide variety of loans – from boat and RV financing, to helping you build credit for the first time.
Loan Calculators
Financial Calculators
Loan Payment Calculator
How long will it take to pay off my credit card(s)?
How long will it take to pay off my loan?
Should I consolidate my debts?
Will extra payments affect my loan?
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?
Loan Discounts
Loan Discounts
Consumer Loan Discounts
| Discount | Description | Discount Rate |
|---|---|---|
| Credit Life or Disability Insurance | Add Credit Life or Disability Insurance to your loan through the credit union and you may receive 0.25% off your APR*. | 0.25% |
| Gulf Coast Educators Insurance Services, LLC | If you have any type of insurance service through Gulf Coast Educators Insurance 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 GCEFCU. Funds are not insured by the NCUA or any federal government agency. | 0.25% |
| 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*. | 0.25% |
| *APR = Annual Percentage Rate. Rates and discounts are subject to change without prior notification. Other conditions may apply. Maximum loan discount is 0.75% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans and miscellaneous equipment loans. | ||
Loan Rates
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
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.
Disclosures
Disclosures
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.