Now through December 31, 2020, 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. Follow the instructions below:


Step 1: Before December 31, 2020, visit our online Member Auto Center visiting

Step 2: Search for your next vehicle by using the blue search box.

Step 3: Submit for a no obligation Price Quote Request for a vehicle that you are interested in, by filling out the form located to the right of the vehicle’s pictures. In the comments section please enter code CARSALE2020.




Our Key Loan Details

Our Key Auto Loan Details

loan discount
  • Rates as low as 2.99% APR*
  • Up to 100% financing on a new or pre-owned vehicle
  • Terms up to 7 years
  • Refinancing is available
  • Loan discounts available for first time borrowers
  • Easy to apply online, in person, or by phone


See How Much You Can Save

Don’t wait another day to trade in your old, money-guzzling loan for a sleek, affordable one at GCEFCU. The chart below illustrates just how much we could save you with an auto loan at GCEFCU.

Example GCEFCU Member Auto Loan2.99%*60 Months$25,000$449
Average Bank Auto Loan4.37%*60 Months$25,000$465
GCEFCU Interest Savings Over The 60 Month Term Of A Similar Bank Auto Loan$960
*Source: Bankrate, rates as of 4/29/2020. Rates vary depending on credit score and loan term.

Vehicle Protection

MPOWER+ Vehicle Return

Our vehicle loans come with 6 months of complimentary MPOWER+ Vehicle Return Protection. It is a one-of-a-kind program that allows you to return your vehicle and walk away from negative equity up to $7,500 should any of the following life-changing circumstances arise:

  • Involuntary unemployment
  • Physical disability
  • Loss of driver’s license due to medical impairment
  • International employment transfer
  • Self-employed personal bankruptcy
  • Accidental death

In addition, it will have no impact to your credit rating or savings.

Vehicle Protection Plans – Extended Warranty

GCEFCU offers several vehicle protection plans to add to your loan. With five levels of coverage, our protection plan offers affordable options to ensure your vehicle is protected against costly mechanical and electrical repairs. Additional benefits include:

  • 24-Hour Roadside Assistance
  • Manufacturer Deductible
  • Mechanical First Air
  • Tire, Delivery, Battery, Locksmith, and Towing service
  • Substitute Transportation
  • Trip Interruption
  • Key Fob Coverage
  • Dent & Windshield Repair

To compare covered components and see which plan best suits your needs, click here.

Disclosure: Restrictions & limitations may apply. Please see contract for complete details. Please refer to your Vehicle Service Agreement for a more comprehensive list of what’s covered with your plan options. Parts pricing listed in illustration is based on average of actual repairs at a retail rate for Parts & Labor. Actual repair costs may vary by repair facility, vehicle, and location. Warranty products are provided and administered by SWBC and not guaranteed by the credit union.

Auto Loan Insurance

While auto loan insurance doesn’t cover basic wear and tear on your vehicle, it is a necessary precaution to help you in the event of an accident resulting in either damage to your or another’s vehicle, or injury to anyone involved. Without insurance, you would be on your own to cover the financial costs out-of-pocket, which can often total thousands of dollars. At Gulf Coast Educators Insurance Services, we can help you get the best insurance coverage for the lowest cost.

Disclosure: 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.

Member Auto Center

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. Click here to visit our Member Auto Center website.

Enterprise Car Sales

Enterprise Car Sales

entireprise car sales - auto loanWe have teamed up with Enterprise Car Sales to provide our members with the best deals for certified used vehicles. Enterprise offers “no haggle” used car pricing, and every vehicle sold includes a 12-month/12,000-mile limited powertrain warranty. Click here to visit our Enterprise Car Sales website.


Helpful Resources

Helpful Resources

AUTO EXAM: AUTO EXAM’S goal is to protect the consumer from buying someone else’s problems. We will give you a written unbiased report identifying any problems such as: Was it maintained? Has it been in an accident? Is the mileage correct? Has it been flood damaged? Are there any mechanical problems? How much is the vehicle really worth? In conclusion, Auto Exam can answer these questions and much more.

CARFAX: Order a CARFAX Vehicle History Report. Your best protection against buying a used car with costly, hidden problems, including flood damage. CARFAX searches its nationwide database and provides a detailed report in seconds. In other words, it is a must have for buying a used vehicle.

Additional Resources

Auto Loan Calculators

*APR = Annual Percentage Rate. All rates are subject to change without prior notice. Your actual rate may be higher based on your credit score and the terms of your loan. No other promotional discounts may be applied. Additional requirements may apply. Payment Example: 60 monthly payments of $17.96 for each $1,000.00. borrowed. In addition, deferment is NOT available on loans already financed with Gulf Coast Educators. 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, 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.

**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, find a vehicle you are interested in, submit the form for a no obligation price quote request on that vehicle and put the code CarSale2020 in the “referred by” box November 23, 2020 – December 31, 2020. All entries must be submitted no later than December 31, 2020 by 11:59 p.m. CST. Contest ends December 31, 2019 at 11:59 p.m. CST. Only two winners will be chosen by random drawing on January 11, 2021 to win $500 each in the form of a gift card. Winner 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 visit the website above or call 832-912-2182.