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Trusted by School Employees since 1948

Gulf Coast Educators FCU is a credit union for teachers and school employees in the state of Texas. Here you will find all the same products and services of a big bank, designed specifically for school employees. Check out some of our most popular products below.

• ✔ Texas Educators Rewards Credit Card – Available to all school employees in Texas who qualify. Earn rewards by shopping at all your favorite places. Learn More.
• ✔ Educator Mortgage – School Employees can finance a new home up to 103%, with no down payment or PMI required. Learn More.
• ✔ Auto Loan Discounts – Get up to 0.75% off your APR* when you finance or refinance your car loan. Learn More.
• ✔ Dollar Up Account – Link your GCEFCU debit card to a Dollar Up Savings Account, and have the extra change from your transactions automatically transferred to a savings account. Learn More.
• ✔ Mobile App – Get 24/7 access to your funds using our top rated mobile app. Learn More.

Disclosures

Educator Mortgage – To apply for an Educator 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 45% debt-to-income limit. 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 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.