Gulf Coast Educators Credit Union Baytown TX | Best Auto Loans & Business Banking

Introduction

Welcome to the Gulf Coast Educators at our Baytown Office, located at 6360 Garth Rd Ste 140, Baytown, TX 77521. Since our establishment in 1948, we have been dedicated to serving our members with trust and integrity. With a total membership of 59,676 and assets exceeding $1.28 billion, we are proud to be a cornerstone of financial support for the community. At Gulf Coast Educators, we understand that banking is more than just numbers; it's about relationships and making a positive impact in people's lives. Our commitment shines through in our robust portfolio of services, including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We also offer business banking solutions tailored to meet the needs of local entrepreneurs. Our leadership team, led by CEO Linda Lukaszewski and Board President Stephen Harrell, is dedicated to fostering a supportive environment where members can thrive financially. Together, they guide a passionate team of 177 employees, ensuring that every interaction you have with us is warm and welcoming. While you can visit us at our Baytown location for all your banking needs, please note that official correspondence should be directed to our mailing address at 5953 Fairmont Pkwy, Pasadena, TX 77505. With total deposits amounting to $51,815,491 and a net worth of $186,552,220, we have the financial strength to help you achieve your goals. Whether you're looking for assistance with loans (over 38,552 issued) or need guidance on saving for the future, we're here for you every step of the way. Ready to take control of your financial journey? Don't hesitate to reach out! Call us at 281-487-9333 or visit our website at www.gcefcu.org to learn more about how we can serve you better. Your financial success is our mission!

Branch History & Mission

Community Focus

Our commitment extends beyond financial transactions. Gulf Coast Educators actively participates in local events and partnerships that strengthen our community ties. We aim to support educational programs and initiatives that benefit all residents of Baytown and surrounding areas. As we embrace modern technology with features like online banking and mobile payments, we ensure that these advancements remain accessible to everyone while adhering to ADA compliance standards.

Join Us

We invite you to become part of the Gulf Coast Educators family! Experience firsthand how our dedication to service can make a difference in your financial journey. Visit us today or explore more about joining as a member at gcefcu.org. Together, let's build a brighter future for you and our community!

Our Journey

Since our inception, Gulf Coast Educators has been dedicated to providing exceptional financial services tailored to meet the needs of our members. We started with a simple mission: to empower our members through accessible financial solutions. Over the years, we've expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We take pride in our total assets of over $1.28 billion, which reflects our commitment to stability and growth. Our team is passionate about helping members achieve their financial goals while ensuring they feel valued and supported throughout their journey with us.

Our Mission

At Gulf Coast Educators, our mission is clear: we strive to enhance the lives of our members by providing innovative financial solutions and fostering a sense of community. We believe in putting people first whether it's through personalized service or community outreach initiatives that uplift those around us. Our branch operates during convenient hours: Monday through Friday from 8:00 AM to 5:00 PM for lobby services and extended drive-thru hours from 7:00 AM to 7:00 PM on weekdays. On Saturdays, we welcome visitors from 9:00 AM to 12:00 PM. We also offer ATM services for easy access to funds whenever you need them. While members can visit us at our Baytown location, official correspondence should be sent to our mailing address at 5953 Fairmont Pkwy, Pasadena, TX 77505. This allows us to maintain clear communication while you enjoy your banking experience.

Branch Location & Accessibility

Convenient Access

We understand that accessibility is important, which is why our location is equipped with features that ensure everyone can visit us comfortably. Our branch includes ADA-compliant ramps and accessible parking spots right near the entrance. Whether you're stopping by for a quick transaction or need assistance with your accounts, we're here to help.

Get in Touch

Have questions or want to learn more about what we offer? Don't hesitate to give us a call at 281-487-9333. Our dedicated team is always ready to assist you. We invite you to visit us at our Baytown location today we look forward to serving you! While members can visit us at 6360 Garth Rd Ste 140 Baytown Tx 77521, official correspondence should be sent to 5953 Fairmont Pkwy, Pasadena, TX 77505 in Pasadena if needed. Thank you for considering Gulf Coast Educators as your trusted financial partner!

Operating Hours

Our lobby hours are designed to fit your schedule, open Monday through Friday from 8:00 am to 5:00 pm. If you prefer drive-thru service, we've got you covered! Drive-thru hours are even more flexible, running from 7:00 am to 7:00 pm on weekdays and Saturday mornings from 9:00 am to 12:00 pm. We're closed on Sundays so our staff can recharge for the week ahead!

Services Offered

At Gulf Coast Educators, we offer 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 aim to make your banking experience smooth and efficient. Plus, with ATM access available on-site, you can quickly handle cash withdrawals and balance checks whenever you need.

Member Eligibility

Joining the Gulf Coast Educators community is a wonderful step towards taking control of your financial future, and we're excited to welcome you! At Gulf Coast Educators, located at 6360 Garth Rd Ste 140 in Baytown, TX 77521, membership is open to a variety of individuals. If you're an employee or retiree of an educational institution, a family member of a current member, or even someone who resides in the area, you may be eligible to become part of our supportive community. This means you can access a range of benefits designed just for you, including competitive loan rates and personalized service. The process to join us is simple and straightforward. You can find detailed eligibility criteria by visiting our website at https://www.gcefcu.org/about-us/membership/. Once you're ready to take the plunge into membership, opening an account is just as easy! Feel free to reach out at 281-487-9333 if you have any questions or need assistance along the way. We can't wait for you to experience everything Gulf Coast Educators has to offer!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools to process payments seamlessly, manage cash flow efficiently, and offer your customers the best experience possible. Our merchant services simplify transactions, allowing you to focus on what matters most: running your business. From point-of-sale systems to online payment processing, we provide practical solutions that can help streamline operations and enhance customer satisfaction. Visit us at 6360 Garth Rd Ste 140 Baytown Tx 77521, Baytown, TX 77521, or call us at (281) 487-9333 to learn more about how our business banking services can empower your entrepreneurial journey!

Comprehensive List Of Services

Business Banking Services

Small businesses are vital to our community, which is why we offer specialized services such as merchant services and business loans. With us by your side, managing your business finances will be straightforward and efficient.

Convenient Access

Accessibility is key at Gulf Coast Educators. Our branch at 6360 Garth Rd Ste 140 Baytown Tx 77521 offers basic drive-thru banking for quick deposits, withdrawals, and other simple transactions. For those on the go, we have an ATM available for cash withdrawals and balance checks whenever you need it. Additionally, our robust online and mobile banking platforms ensure that you can manage your finances anytime, anywhere whether it's checking balances or making transfers.

Credit Options

For those who love rewards, our credit cards with rewards allow you to earn points on everyday purchases while enjoying competitive interest rates. This means you can treat yourself while managing expenses effectively.

Get Started Today!

Ready to explore all that we have to offer? Visit us at 6360 Garth Rd Ste 140 Baytown Tx 77521, call us at (281) 487-9333, or check out our website at Baytown Office for more information on how we can assist you in achieving your financial goals. At Gulf Coast Educators, we're committed to being more than just a credit union; we're your partner in financial wellness!

Personal Banking Solutions

We understand that managing personal finances can be overwhelming at times. That's why we offer checking and savings accounts designed to fit your lifestyle. With features like online banking and mobile payments, keeping track of your money has never been easier. Imagine being able to deposit checks from the comfort of your home or transferring funds to a friend instantly through our person-to-person payment service. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. We also offer mortgage loans and refinancing for those ready to invest in their dream home. Plus, if you find yourself in need of extra cash, our personal loans and debt consolidation solutions can help ease financial burdens.

Digital & Online Banking

At Gulf Coast Educators, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. With our 24/7 online banking services, you can access your accounts anytime, anywhere, ensuring that you're always in control of your money. Our online banking platform is user-friendly and secure. You can easily check balances, pay bills, and transfer funds with just a few clicks. Plus, if you prefer managing your finances on the go, our mobile application brings all these features right to your fingertips. You can download it today and start enjoying the ease of banking from your smartphone. We know that life gets busy, so we offer features like electronic signature authorization for quick and easy document signing. No more waiting around for paperwork! You can also opt for e-statements to keep track of your transactions without the clutter of physical statements. This means you get to enjoy a paperless experience while still having access to all your important information. For those times when you need to send money quickly to friends or family, our person-to-person transfer feature allows you to do just that with ease. Whether it's splitting a bill or sending a gift, money transfers are simple and instant. With mobile payments available at Gulf Coast Educators, making purchases has never been more convenient. Just link your accounts to your favorite payment apps and you're ready to shop securely. To explore all the digital banking options we provide, visit us at https://www.gcefcu.org/. We're here to support you every step of the way!

Financial Strength

Growing Member Base

Total Share Accounts stand at 132,466, showing a strong and growing member base that trusts us with their finances. Our resources allow us to maintain a healthy balance sheet while actively supporting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Gulf Coast Educators is your trusted partner. Visit us at 6360 Garth Rd Ste 140 Baytown TX 77521 or call 281-487-9333 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $4,190,990 net income 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 158 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Reinvestment for Growth

With $179,757,816 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $11,595 in used auto loans and a total of $892,470,499 in loans and leases.

Secure Savings Options

Members' savings are secured through $352,130,855 in share certificates and $112,820,235 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.

Strong Capital Foundation

With a net worth of $186,552,220, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1454 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

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $237,544,763 in used vehicle loans and $88,681,830 in new vehicle loans already helping members get on the road. Whether you're considering financing a brand-new model or a reliable pre-owned vehicle, we have competitive options that fit your budget.

Credit Lines

For those who prefer having access to funds as needed, our total credit lines amounting to $760,096,741 provide peace of mind and flexibility for various financial situations. You can access these funds easily and use them as required. Our team is dedicated to ensuring that each member receives personalized assistance throughout the loan process. If you're interested in refinancing options or checking eligibility requirements for any of our products, please don't hesitate to reach out to us at 281-487-9333 or visit our website at gcefcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right loan solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $15,571,488, giving you the flexibility and support you need for one of life's biggest purchases.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's why we also provide flexible terms on unsecured credit card loans, with a total of $30,602,566 in loans helping members manage their finances effectively. Enjoy the convenience of credit when you need it most without the burden of collateral.

Loan Aggregator

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