Current Specials & Promotions
Classroom Mini Grants
Deadline: January 9, 2022 – We are now accepting applications for our Spring 2022 Classroom Mini Grants. Earn $100 for your class project.
Winter Car Sale
November 22 – December 31, 2021 – Now through December 31, 2021, when you search for your next vehicle using our Member Auto Center and submit a no-obligation price quote request, you’ll be entered to win $500. Click the button below for full details.
Ongoing – Take a break from making loan payments and get some extra cash by skipping your loan payment(s) for one month. Simply log into online banking, submit a Skip-A-Pay request, and we will advance the current due date on your loan by one month for $25 per loan, giving you plenty of extra cash.
Deadline to apply: February 28, 2022 – Gulf Coast Educators Federal Credit Union awards scholarships annually in the amount of $500.00 per semester for 4 years – a total of $4,000.00 – to four qualified students selected from applicants within our membership.
Refer A Friend. Get $50.
Ongoing – Spread the credit union love by telling all your eligible friends & family members to join Gulf Coast Educators FCU. When they open their new account with your referral link, you’ll both get $50!
0% Interest Rate for Your First 6 Months with a GCEFCU Credit Card
January 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.
Teacher Mortgage – More Perks!
Ongoing – 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.
Ongoing – 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*.
No Payments for 90 Days
Ongoing – 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.
VISA Offers & Perks
Ongoing – Enjoy discounts from VISA when you use your GCEFCU debit card at participating retailers.
Ongoing – 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.
Winter Car Sale: Need not apply for a loan to enter. No purchase necessary. You do not have to be a member of a credit union to enter. Limit one entry per person. All entries will be accepted. To enter visit the website above, search for a vehicle and submit for a Price Quote Request with the code “WinterCarSale2021” in the comments box between November 22, 2021 through December 31, 2021. All entries must be submitted no later than December 31, 2021 by 11:59 p.m. CST. Contest ends December 31, 2021 at 11:59 p.m. CST. Only two winners will be chosen by random drawing on January 8, 2022 to win $500 in the form of a gift card. Winners will be notified by a Member Auto Center Representative not affiliated with a specific credit union. This contest does not include a manufacturer’s rebate or discount available to the public. Employees of CU Alliance, LLC and its subsidiaries are not eligible. Must be 18 years or older. No cash value. Odds of winning depend on the total number of entries received. Restrictions may apply. Void where prohibited and subject to federal, state and local laws. For more information call 832-912-2182.
Skip-A-Pay: Must have the $25 fee per loan in the account at the time of processing. Must be current on all accounts with the CU; excluding checking accounts that have not been negative over 30 days. To skip a payment on your auto loan, you must have current insurance on your vehicle. You cannot have received an extension the month prior to the skip a pay request. If you take advantage of the skip a pay, you will not be eligible for an extension the following month. Loans secured by Real Estate, Term Loans, Credit Card, Delinquent Loans, or loans that have already received 1 extension in the current calendar year are not eligible. If your loan is paid weekly, bi-weekly or semi-monthly, the agreement will allow you the “Skip-a-Pay” for two payments during the Skip-A-Pay month. New loans do not qualify for “Skip-a-Pay’s” unless three month’s worth of payments have been made. Interest will continue to accrue during the “Skip-a-Pay” period and that by electing to “Skip-a-Pay” the total interest charge will increase and extend the time required to pay my loan(s) in full based on my required minimum monthly payment. GAP may not cover skipped payments (refer to your GAP contract for details.)
Refer A Friend: To receive $50 referral bonus, you must be a member of Gulf Coast Educators FCU in good standing with no charged off or delinquent accounts or loans. When someone you referred opens a new GCEFCU membership with a savings and checking account using your personal referral link, we will deposit $50 into your GCEFCU checking account, and $50 into their new GCEFCU checking account. Rewards will be deposited within 7-10 business days. Both individuals must be 18 years or older. A minimum balance of $1 is required to open and maintain a GCEFCU membership. Offer expires within 90 days of original referral date. Additional terms and conditions apply. Click here for full terms, conditions, and requirements.
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, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.75% 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.