Current Specials & Promotions
Appreciated Teacher Awards
April 1 – 17, 2022 – If you know an educator who goes above and beyond, and deserves recognition for all that they do, nominate them for our 2022 Appreciated Teacher Awards. We are accepting nominations from April 1 – 17, 2022.
April 1 – 30, 2022 – Good saving habits start early and last a lifetime. To help with that, we have three youth accounts – our Sandy Saver Account, Student Checking, and College Saver CD. If you open any one of these accounts during the month of April, your child will be entered into a drawing for a chance to win $500.
Triple Points at Grocery Stores
February 14 – April 15, 2022 – From February 14 – April 15, 2022, when you use your GCEFCU VISA Rewards or TX Educators Rewards credit card to make purchases at grocery stores, you will earn triple the rewards. For every $1 spent on groceries, you’ll earn 3 points, redeemable for cash back, merchandise, travel, gift cards, and more.
Double Your Paycheck Sweepstakes
March 1, 2022 – May 31, 2022 – We’re making payday twice as nice with our Double Your Paycheck Sweepstakes. Each month we will be randomly selecting a lucky member’s direct deposit and doubling the amount, up to $2,500. No purchase necessary to win.
$250 Cash Back
March 1, 2022 – May 31, 2022 – Back by popular demand – We are paying YOU $250 cash when you finance your next vehicle loan with us. This offer is valid for any new, used, or outside refinance auto loan over $15,000 from now until May 31, 2022.
Texas Educators Rewards Credit Card
Ongoing – The Texas Educators Rewards Credit Card is available to all school employees in Texas. Enjoy a lower interest rate and earn rewards as you shop.
Break Up With High Interest Rates
Ongoing – Review your credit report for free within online banking and view custom offers to help save you money.
Lower Your Insurance
Ongoing – Get a free quote online to lower your insurance with Gulf Coast Educators Insurance Services, LLC. Get a quote for auto, homeowners, renters, boat, motorcycle, umbrella, and more.
Ongoing – Schedule a no-obligation appointment to meet with your advisor and gain valuable information on financial planning topics. Click to learn more.
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.
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
Ongoing – 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.
Youth Month: All GCEFCU youth accounts opened between April 1, 2022 – April 30, 2022 will be entered into a drawing to win $500. The $500 prize will be awarded in the form of a College Saver CD. If the child does not currently have a GCEFCU College Saver CD, one will be opened for them with the $500 deposit. Child must meet GCEFCU eligibility requirements and be 17 years old or younger as of April 30, 2022. Winner will be randomly drawn on May 4, 2022. Free gifts will be mailed within 8-10 business days of account opening, or in person for those applicable, while supplies last.
Triple Points at Grocery Stores: 3x the points will be applied to any GCEFCU VISA Rewards Credit Card or TX Educators Rewards Credit Card that is used at a grocery retailer from February 14, 2022 at 12:01 am CST through April 15, 2022 at 11:59 pm CST. This promotion is not valid for balance transfers or cash advances.
Double Your Paycheck Sweepstakes: For official rules and qualifications, click here.
$250 Cash Back Disclosure: Auto loans financed with Gulf Coast Educators FCU between March 1, 2022 – May 31, 2022 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 03/01/2022. 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 March 1, 2022 through May 31, 2022 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 May 31, 2022.
$1,000 Credit Card Approval Disclosure: Members who finance an auto loan with Gulf Coast Educators FCU between March 1, 2022 – May 31, 2022 and meet the following qualifications will receive a guaranteed $1,000 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 03/01/2022. 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 March 1, 2022 through May 31, 2022 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 May 31, 2022.
Insurance: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.
Investments:Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CUSO Financial”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CUSO Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CUSO Financial. The Credit Union has contracted with CUSO Financial to make non-deposit investment products and services available to credit union members. Atria Wealth Solutions, Inc. (“Atria”) is a modern wealth management solutions company and is not a Registered Investment Advisor or broker-dealer. Investment products, services and advice are only provided through CUSO Financial, a subsidiary of Atria.
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.