All GCEFCU Credit Cards come with the following benefits:
- ✔ 0% Interest Rate for your first 6 months, and a low fixed rate after that
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- ✔ No Annual Fee or application fee
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- ✔ No Balance Transfer Fees on any previous credit card debt you’d like to transfer to your new GCEFCU credit card
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- ✔ No Cash Advance Fees on cash advances done at any GCEFCU location
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- ✔ Apply Online and we’ll mail your card straight to you, or you can pick it up from any GCEFCU location
Earn Points For Your Purchases
If you have a GCEFCU VISA Rewards or Texas Educators Rewards Credit Card, you can sign up for UChoose Rewards and start redeeming points for every purchase made. With UChoose Rewards, you earn 1 point for every dollar charged in purchases to your card. Those points can be redeemed for travel, merchandise gift cards, or even cold hard cash.
UChoose Rewards
You earn points for all your purchases – not just at participating retailers! UChoose Rewards is only available on the credit union’s Visa Rewards and Texas Educators Rewards Credit Cards.
Download your UChoose Rewards app
Download the UChoose Rewards app at the app store for iPhone®, iPad®, iTouch or Android™ device today and enjoy mobile access on-the-go:
- Scan a UPC code to see if a product is in the redemption catalog
- Redeem points
- Check your point balance
- Participating retailers subject to change.
Promotion Disclosures
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.
0% Introductory Rate – *APR=Annual Percentage Rate. 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.
Credit Card Rates
Click here for current loan rates.
Credit Card Disclosures
GULF COAST EDUCATORS VISA CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
|
Annual Percentage Rate
(APR) for Purchases |
6.99% to 18.00% based on your creditworthiness. |
Annual Percentage Rate
(APR) for Balance Transfers |
6.99% to 18.00% based on your creditworthiness. |
Annual Percentage Rate
(APR) for Cash Advances |
6.99% to 18.00% based on your creditworthiness. |
Credit Card Fees
Annual Fee – None
Balance Transfer – Free
Cash Advance – 1% or $5.00 of the amount of each cash advance, whichever is greater. No fee if done in GCEFCU branch.
Foreign Transaction – 1.00% of each transaction in U.S. dollars.
Late Payment – $25
Over-the-Credit-Limit – $25
Returned Payment Fee – $25
Credit Card Details
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
How We Will Calculate Your Balance
We use a method called “average daily balance (including new purchases).”
Effective Date: The information about the costs of the card described in this disclosure is accurate as of April 1, 2021. This information may have changed after that date. To find out what may have changed, contact Gulf Coast Educators Federal Credit Union.
To see full credit card disclosures, click here.
