Winter CAR SALE
From November 25th – December 31st, 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:
HOW TO ENTER TO WIN:
Step 1: Before December 31st, 2024, visit our online Member Auto Center visiting GCEFCUCARSALE.MemberAutoCenter.com
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.
Step 4: In the comments section located near the bottom of the form, make sure to enter code WIN500.
Get Pre-Approved for Peace of Mind
Start and finish your auto loan all online. Whether you are buying a new or used vehicle, or refinancing your current one, you can complete the entire process all from your computer or mobile device. If you haven’t found the right car yet, we can help you get pre-approved so you can shop with confidence and peace of mind. Check out more perks below.
✔ Defer Your First Payment for the first 3 months after financing.
✔ Rates as low as 4.99% APR* with maximum rate discount for 60 months.
✔ Skip Your Loan Payments up to two times per calendar year.
✔ Up to 0.75% APR* Discount off your auto loan rate. See discounts available here.
✔ Apply Online and complete the entire loan process from the comfort of your home.
Your Auto Loan Resource Center
Auto Loan Details
Our Key Auto Loan Details
✔ Up to 100% financing on a new or pre-owned vehicle
✔ Terms up to 7 years
✔ Refinancing is available
✔ Loan discounts available
✔ Easy to apply online, in person, or by phone
Loan Discounts
Loan Discounts
When you finance your auto loan with GCEFCU, you may qualify for additional loan rate discounts. These discounts can be combined to receive up to 0.75% off your APR*.
1. Credit Life or Disability Insurance Discount – Add Credit Life or Disability Insurance to your loan through the credit union and you may receive 0.25% off your APR*.
2. Gulf Coast Educators Insurance Services, LLC Discount – If you have any type of insurance service through Gulf Coast Educators Insurances Services, you may qualify for a discount of 0.25% off your APR*. 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.
3. Direct Deposit – If you have at least 1 payroll direct deposit per month of $500 or more into your GCEFCU checking account, you may receive a discount of 0.25% off your APR*.
Loan Discount Table
| DISCOUNT | DESCRIPTION | DISCOUNT |
|---|---|---|
| 1 | Credit Life or Disability Insurance | 0.25% |
| 2 | Gulf Coast Educators Insurance Services, LLC Discount | 0.25% |
| 3 | Direct Deposit | 0.25% |
| Maximum discount is 0.75% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans. | ||
Browse Our Preferred Dealer Inventory
Start Car Shopping
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 the button below to visit our Member Auto Center website.
Add Car Insurance & Protection
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.
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.
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
Rates & Disclosures
Rates & Disclosures
Auto Loan Rates
| Starting APR* (Not including discounts) | Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 5.24% | Up to 36 months | 0.75% | $30.08 | |
| 5.49% | Up to 48 months | 0.75% | $23.25 | |
| 5.74% | Up to 60 months | 0.75% | $19.21 | |
| 6.49% | Up to 72 months | $15,000 and up | 0.75% | $16.81 |
| 6.99% | Up to 84 months | $25,000 and up | 0.75% | $15.09 |
| *APR = Annual Percentage Rate. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. Auto loans may receive a rate of 4.49% APR with a 3 year or less term with maximum discount. To view loan discounts available, click here. | ||||
Winter Car Sale Disclosure: 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. All entries must be submitted no later than December 31, 2024 by 11:59 p.m. CST. Contest ends December 31, 2024 at 11:59 p.m. CST. Only two winners will be chosen by random drawing on January 7, 2025 to win $500 each. Winners will be notified by a Credit Union Representative. This contest does not include a manufacturer’s rebate or discount available to the public. Employees of FocusOne Now, LLC, DBA FocusOne, 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.
Rates as low as 4.99% APR*: *APR = Annual Percentage Rate. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Maximum discount is 0.75% for auto, boat, motorcycle, and RV loans, and 0.50% for personal loans. Auto loans may receive a rate of 4.49% APR with a 3 year or less term with maximum discount. To view loan discounts available, click here.
Gulf Coast Educators Insurance Services, LLC Disclosure: Gulf Coast Educators Insurance Services, LLC discount is for 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.
No Payments for 90 Days Disclosure: 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.
Skip-A-Pay Disclosure: 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.)