Current Specials & Promotions

 

Teacher Appreciation Month

Teacher Appreciation MonthMay 1-31, 2021 – Teachers deserve more than one week of thanks, so we are celebrating educators and school employees the entire month of May! Enjoy all the special perks, including $250 cash back on any auto loan, discounts to local retailers, and more. In addition to these special deals, we will also be accepting votes for our 2021 Appreciated Teacher of the Year award. Happy Teacher Appreciation Month!

Learn More
 
 

$250 Cash Back & $500 Credit Card Approval

$250 Cash BackMay 3 – July 31, 2021 – There has never been a better time to buy a car or refinance your existing one. This summer we are paying YOU $250 when you finance your vehicle loan with us, plus so much more. You can even give your wallet a break this summer & skip your first 3 payments. Check out all the exclusive savings you can combine to get the best deal possible.

Learn More
 
 

Texas Educators Rewards Credit Card – Earn 5x Points During Teacher Appreciation Week

Texas Educators Rewards Credit CardMay 3-9, 2021 – The Texas Educators Rewards Credit Card is available to teachers and school employees in the state of Texas. With 0% APR* for the first six months, and a fixed rate as low as 6.99% APR* after that, plus rewards and cash back, this credit card is the perfect option for educators. As an added bonus, you’ll earn 5x points during Teacher Appreciation Week (May 3 – 9, 2021) when you use your Texas Educators Rewards Credit Card!

Learn More
 
 

0% Interest Rate for Your First 6 Months with a GCEFCU Credit Card

0% Interest Rate for Your First 6 Months with a GCEFCU Credit CardJanuary 1 – December 31, 2021 – Earn 0% APR* for your first 6 months, and a low fixed rate after that, when you open a GCEFCU credit card. Choose from our Classic, Rewards, or Texas Educators Rewards Credit Card. Transfer your existing credit card balance to save money and pay down your debt.

Learn More
 
 
 

Teacher Mortgage – More Perks!

Teacher MortgageOngoing – If you are a teacher or school employee looking to buy a home, you are in luck. With a Gulf Coast Educators FCU Teacher Mortgage, you can finance your new home up to 103%, with no down payment or PMI required. To see if this conventional mortgage loan is the right fit for you, click the button below.

Learn More
 
 
 

Loan Discounts

Loan DiscountsOngoing – When you finance your auto loan with GCEFCU, you may qualify for additional loan rate discounts. We offer discounts to first time borrowers, members with multiple GCEFCU loans, and more. These discounts can be combined to receive up to 1.00% off your APR*.

Learn More
 
 
 

No Payments for 90 Days

No Payments for 90 DaysOngoing – When you finance your new or used vehicle with GCEFCU, you won’t have to make your first car payment for 90 days. 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. Plus, you can defer making your first payment on your refinanced loan for 30, 60, or 90 days.

Learn More
 
 

VISA Offers & Perks

VISA Offers & PerksOngoing – Enjoy discounts from VISA when you use your GCEFCU debit card at participating retailers.

Learn More
 
 
 
 
 

Discount Tickets

Discount TicketsOngoing – One of the many perks to being a GCEFCU member is that you get access to discounted tickets to local theme parks, museums, and events. To access the discount ticket page, click the button below.

Learn More
 
 
 


Disclosures


$250 Cash Back Disclosure – Auto loans financed with Gulf Coast Educators FCU between May 3, 2021 – July 31, 2021 and meet the following qualifications will receive $250 cash back. Loan must be a new or used auto, or outside refinance. Credit Union InDirect Lending (CUDL and CUAC) loans, and any other 3rd party loans, not eligible for rebate. Purchase of a new or used car must be from a franchise dealership. This promotion is effective 05/03/2021. Refinancing of existing GCEFCU Auto Loans not eligible. Minimum loan amount must be $15,000 or greater. Loans funded before or after the promotional dates of May 3, 2021 through July 31, 2021 do not qualify. The $250 cash back bonus will be deposited into the primary borrower’s primary savings account once the loan is funded. Co-borrowers and joint applicants do not qualify for the $250 cash back. GCEFCU reserves the right to cancel this promotion at any time for any reason. Offer expires July 31, 2021.

$500 Credit Card Approval Disclosure – Members who finance an auto loan with Gulf Coast Educators FCU between May 3, 2021 – July 31, 2021 and meet the following qualifications will receive a guaranteed $500 credit card approval with the funding of the collateralized loan. Loan must be a new or used auto, or outside refinance. Credit Union InDirect Lending (CUDL and CUAC) loans, and any other 3rd party loans, not eligible for rebate. Purchase of a new or used car must be from a franchise dealership. This promotion is effective 05/03/2021. Refinancing of existing GCEFCU Auto Loans not eligible. Minimum loan amount must be $15,000 or greater. Loans funded before or after the promotional dates of May 3, 2021 through July 31, 2021 do not qualify. Guaranteed credit card approval is for the primary borrower only and not applicable to co-borrowers or joint applicants. Proof of credit and/or income will not be required as long as the auto loan is funded prior. Member must not already have a current GCEFCU credit card account. GCEFCU reserves the right to cancel this promotion at any time for any reason. Offer expires July 31, 2021.

Texas Educators Rewards Credit Card – Earn 5x Points During Teacher Appreciation Week – *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. Use your Texas Educators Rewards Credit Card May 3-9, 2021 and all purchases will earn 5x points.

0% Interest Rate for Your First 6 Months with a GCEFCU Credit Card – *APR=Annual Percentage Rate. 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. This offer does not automatically approve you for a GCEFCU credit card. GCEFCU reserves the right to cancel this promotion at any time, for any reason.

Teacher Mortgage – To apply for a Teacher Mortgage Loan at least one applicant must be a current teacher or school employee for at least 2 consecutive years in a Texas school district. All applicants must have a credit score of 680 or higher and a 43% debt-to-income limit. Maximum loan amount is $250,000 for single applicants and $400,000 for joint applicants. Applicants may finance up to 103% LTV. Additional 3% is to be utilized for closing costs only – No cash back and no “coverage” for a lower appraised home permitted. This program is intended for primary residences within the state of Texas only, not vacation homes or investment properties. Other conditions may apply.

Loan Discounts – *APR=Annual Percentage Rate. Maximum discount is 1.00% for auto loans, 0.75% for boat, motorcycle, and RV loans, and 0.50% for personal loans.

No Payments for 90 Days – Deferment is NOT available on loans already financed with Gulf Coast Educators FCU. Your rate will be based on the term of your loan and creditworthiness. Interest will continue to accrue during the deferral period and by electing to defer your car payments, the total interest charge will increase and extend the time required to pay your loan in full based on your required monthly payment. GAP insurance may not cover skipped payments.

VISA Offers & Perks – Offers are provided by VISA.

Discount Tickets – Not valid with any other offers or coupons. All prices subject to change without notice. Tickets are non-refundable. GCEFCU not responsible for errors or omissions.