Auto Loans

Purchasing A Vehicle

When you finance a vehicle through Gulf Coast Educators, you enjoy distinct advantages over financing at an auto dealership. In addition to our normal low rates, our auto loans feature a simple interest calculation with no prepayment penalties. Both new and pre-owned auto loans are offered with terms up to 7 years and 100% financing available.

Learn More


Refinancing A Vehicle

Love your car, but not your payment? That’s ok – If you financed your last vehicle at another lender, it’s not too late to change your mind and refinance with Gulf Coast Educators FCU for less.

Learn More

Credit Cards

Classic Credit Card

Our Classic Visa Credit Card offers members low rates to save money, no fee balance transfer, no fee on cash advances done in branch, EMV chips for added security, instant access since cards are printed in branch and so much more.

Learn More

Rewards Credit Card

Our Rewards Visa Credit Card offers the same great benefits as our Classic Credit Card, but also allows you to earn 1 point for every $1 spent in purchases. Redeem points for travel, merchandise or gift cards.

Learn More

Personal & Other Loans

Personal Loans

Whether you want to consolidate debt or make a lifestyle purchase, our unsecured loans are a great way for you to access extra cash without having to dig into your savings.

Learn More

Credit Saver Loan

Need to build or repair credit? There are no easy answers or quick fixes, but there are options. A member can secure a Credit Saver Loan with a Term Share Certificate. By making timely monthly payments, positive repayment information is reported to credit bureaus which may help boost your credit score.

Learn More

Boat Loans

Living on the Gulf Coast provides ample opportunity to enjoy boating. We finance boats of all types.

Learn More

Motorcycle Loans

With our warm weather, motorcycles can be enjoyed year round.

Learn More

RV/Travel Trailer Loans

Texas has great state parks for families to enjoy weekends camping and getting away from it all. There are some great parks within an hour drive from the Houston area. We can help you with the financing on your RV or travel trailer.

Learn More

Educator Loans

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. We offer the following loans to school district employees:

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

Learn More

Real Estate Loans

Mortgage Loans

You’ll find the best mortgage benefits at Gulf Coast Educators. Since we’re member-owned, we always give our members the best deal possible. With advantages like low closing costs and fees, we make getting a loan easier for you. And you’ll always get the best service in town.

Learn More

Home Equity Loans

Now is the perfect time to use the equity in your home to pay off high interest debt, make needed renovations or refinance your existing home equity loan at our low rates. Using the equity in your home, you can open a home equity loan and enjoy peace of mind knowing that funds are available whenever you need them.

Learn More

Land Loans

Found that perfect retirement spot or weekend getaway but not quite ready to build? A land loan from your credit union may be the answer.

Learn More

Teacher Mortgage Loans

If you are a teacher looking to buy a home, you are in luck. With a GCEFCU Teacher Mortgage, you can finance your new home up to 100%, with no down payment or PMI required.

Learn More

Mortgage Refinancing

Interested in refinancing your current mortgage loan? We can help! Whether your current mortgage is with us or financed somewhere else, our mortgage loan experts can help you every step of the way.

Learn More

Loan Resources

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.

View Rates

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.

View Payment Options

Financial Calculators

Please try our wide variety of financial calculators. Interactive calculations, dynamic graphs and fully customizable reports are just a few of the features that make our calculators stand out! Requires pop up windows.

Learn More

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.

Search for a new car