Greater Central Texas Credit Union Killeen TX | Best Auto Loans & Business Banking

Introduction

Welcome to Greater Central Texas, your trusted partner for financial solutions located at 3305 E Elms Rd, Killeen, TX 76542. Established in 1957, we have proudly served our community for over six decades, helping 2,159 members achieve their financial goals. Our commitment to you is reflected in our robust financial health, boasting total assets of $32,587,771 and total deposits reaching $4,664,849. At Greater Central Texas, we believe that banking should be personal and accessible. Whether you're looking for a checking account, an auto loan, or business services, we offer a wide range of options tailored to meet your unique needs. With 453 loans and leases currently outstanding and a net worth of $3,291,734, our financial stability allows us to provide competitive rates and exceptional member service. Led by our dedicated CEO, Bobby Whitson, and Board President Stephen Caruso, our team of 9 employees is here to ensure that every interaction you have with us is positive and impactful. We are proud to be part of the Killeen community, where we strive not just to serve but to enrich the lives of those around us. While you can visit us at our branch for all your banking needs, official correspondence can be sent to the same address. If you have questions or want to learn more about how we can assist you on your financial journey, don't hesitate to reach out at (254) 690-2274. Join us today at gctfcu.net and discover how Greater Central Texas can help pave your path towards financial success!

Branch History & Mission

A Call to Action

Join us at Greater Central Texas and experience firsthand the benefits of being part of a credit union that truly cares about its members and the community. Discover how we can help you achieve your financial goals today! For more information or to open an account, visit us online at gctfcu.net. If you have questions or need assistance, don't hesitate to call us at 254-690-2274. Together, let's build a brighter financial future!

Our Mission

At Greater Central Texas, our mission goes beyond just providing financial services. We are dedicated to empowering our members by offering personalized banking solutions that fit their unique needs. Whether it's personal banking through checking and savings accounts or assistance with auto loans and mortgages, we strive to make each interaction meaningful. We believe in giving back to our community. Our outreach efforts include partnerships with local organizations to support various initiatives aimed at improving the lives of those around us. We aim to create not only a safe place for your finances but also a supportive environment where every member feels valued. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to the same address: 3305 E Elms Rd, Killeen, TX 76542.

Branch Location & Accessibility

Call to Action

We invite you to visit us at the Greater Central Texas branch! Experience the difference of a credit union that truly cares about its members. Whether you're looking to open an account or just have questions about our services, we're ready to assist you. Stop by today or give us a call at 254-690-2274 we can't wait to welcome you!

Location Highlights

Situated near popular local landmarks, our branch is easy to find. Just look for us close to major roadways, making it simple to stop by whether you're on your way home or out running errands. Parking is plentiful, and we have accessibility features in place, including ramps and compliant entrances, ensuring that all members can visit us without hassle.

Operating Hours

We understand that life can be busy, so we offer flexible operating hours designed to fit your schedule. Our lobby is open from 8:00 AM to 5:30 PM Monday through Friday, and on Saturdays, our drive-thru is available from 9:00 AM until noon. If you need assistance outside of these hours, feel free to give us a call at 254-690-2274 we're here to help!

Services Offered

At the Greater Central Texas branch, we provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer business banking solutions and online services for added convenience. For those who prefer banking on-the-go, our ATM is available for cash withdrawals and balance checks whenever you need it. Plus, with drive-thru banking options for deposits and simple transactions, managing your finances has never been easier.

Member Eligibility

At Greater Central Texas, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is simple! If you live, work, or worship in the Killeen area or have family who are members, you're already on your way to becoming part of our family. You can check out the detailed eligibility criteria at http://www.gctfcu.net/creditunionmembership . We're here to offer you a variety of benefits, from competitive loans and savings options to personalized service that makes banking feel less like a chore and more like a partnership. Opening your account is just as easy! Visit us at our branch located at 3305 E Elms Rd Killeen Tx 76542, or simply head online to http://www.gctfcu.net/apply to get started today. If you have any questions, don't hesitate to reach out at (254) 690-2274; our friendly team is ready to help you every step of the way. Come see what it means to be a member of Greater Central Texas!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that simplify transactions for business owners. Whether it's processing payments or managing cash flow, our solutions are designed to save time and enhance efficiency. Picture a busy café owner who can easily accept payments on-the-go, allowing them to focus more on serving delicious coffee and less on transaction hassles. At Greater Central Texas, we're dedicated to fostering a vibrant local economy by providing essential tools that help businesses flourish. Let us be your partner in growth reach out today at (254) 690-2274 or visit us at 3305 E Elms Rd Killeen Tx 76542!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $8 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,604,095, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM and cash withdrawal services make it easy to access your funds whenever necessary. With locations available throughout the area and around-the-clock access through our ATMs, getting cash has never been easier.

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing options can help you get behind the wheel without breaking the bank. We understand that buying a car is a significant decision, and our friendly team is here to guide you through the process, ensuring you get competitive rates and terms that fit your budget.

Business Banking

For entrepreneurs and small business owners, we offer Business Banking services including merchant services and business loans. We know that running a business comes with its challenges, so we're committed to providing reliable solutions that help you thrive in today's marketplace.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows members to earn points on everyday purchases. Imagine using those points towards travel or shopping what could be better? With benefits like low rates and no annual fees, it's a smart choice for both everyday spending and special occasions.

Drive-Thru Banking & Shared Branch Transactions

For quick transactions without leaving your car, take advantage of our basic drive-thru banking services which include deposits and withdrawals. Additionally, if you're part of partner credit unions, enjoy shared branch transactions for even more flexibility when managing your accounts. At Greater Central Texas, we're committed to providing exceptional service every step of the way. Have questions about how we can assist you? Don't hesitate to give us a call at (254) 690-2274 or visit us online at Greater Central Texas. We look forward to helping you achieve your financial goals!

Mortgage Loans & Refinancing

Homeownership is a dream for many, and at Greater Central Texas, we support that dream with our Mortgage Loans & Refinancing services. Whether you're purchasing your first home or looking to refinance your existing mortgage for better rates, our experts will work closely with you to find the best solutions tailored to your needs.

Online & Mobile Banking

In today's fast-paced world, managing your finances on-the-go is essential. Our Online & Mobile Banking services let you access your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills from your smartphone, convenience is just a click away.

Personal Banking

For those looking to manage their day-to-day finances, we offer Personal Banking services, including checking and savings accounts that cater to various lifestyles. Whether you're saving for a family vacation or planning for retirement, our accounts are tailored to help you reach your goals.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses. With our Personal Loans & Debt Consolidation services, we provide flexible options to manage your finances effectively. From funding home repairs to consolidating debt into one manageable payment, we're here to help you regain control of your financial situation.

Digital & Online Banking

Key Features

Our online banking platform allows you to take control of your finances right from the comfort of your home or on-the-go. You can easily check your balances, view transaction history, and make transfers with just a few clicks. If you need to send money to friends or family, our person-to-person transfer feature is here for you no hassle involved! We also offer e-statements, making it simple for you to keep track of your account activity without the clutter of paper statements. Plus, our mobile application gives you the freedom to manage your accounts directly from your smartphone, ensuring you're always connected.

Security and Convenience

Your security is our top priority. We employ robust measures to protect your information while providing user-friendly features that make banking stress-free. Although we currently do not offer electronic signature authorization or mobile payments, rest assured that our existing services are designed with ease of use in mind. Whether you're at home or out and about, you can rely on us for all your banking needs. Join us at Greater Central Texas and experience how easy it is to stay on top of your finances through our digital offerings! For more details, visit us at https://www.gctfcu.net/ today.

Financial Strength

A Growing Community

Total Share Accounts: 3,601, showing a strong and growing member base that trusts us with their finances. This trust is built on our commitment to transparency and service excellence. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Greater Central Texas is your trusted partner. Visit us at 3305 E Elms Rd Killeen Tx 76542 or call (254) 690-2274 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $708,245 in share certificates and $4,645,682 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 7 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $3,291,734 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $52 in used auto loans and $8,715,661 in total loans and leases.

Strong Net Worth

With a net worth of $3,291,734, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,010 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Our auto loan options are tailored for both new and used vehicles. If you're considering buying a car, we provide competitive rates and flexible terms. Whether it's a brand-new model or a reliable pre-owned vehicle, we aim to make your financing process smooth and straightforward.

Business Financing

For business owners looking to grow, our outstanding commercial loans totaling $1,604,095 provide the capital needed to expand operations or invest in new opportunities. We understand the challenges faced by small businesses and are here to support you with tailored solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although currently we do not have any Junior Lien 1-4 Family Residential Properties loans available, our team can help guide you through other mortgage offerings that may suit your needs.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, our team is ready to assist you in exploring eligibility options that could save you money over time. We encourage you to reach out for personalized advice tailored to your specific situation. At Greater Central Texas, we're committed to providing accessible financial solutions backed by expert guidance. For more information about our loan offerings or to start your application process today, please call us at (254) 690-2274 or visit us at 3305 E Elms Rd Killeen Tx 76542. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing daily expenses or unexpected costs? We offer flexible terms on unsecured credit card loans, with a total of $394,477 in loans already helping members effectively manage their finances. Our credit cards come with rewards and benefits designed to support your spending habits.

Loan Aggregator

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GREATER CENTRAL TEXAS FEDERAL CREDIT UNION - Killeen, TX