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

Introduction

Welcome to Gulf Coast Educators, your trusted financial partner since 1948! Located at 14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044, our Summerwood Office is dedicated to serving the needs of our community. With a total membership of 59,676 and assets exceeding $1.28 billion, we pride ourselves on being a cornerstone for financial stability and growth in the area. While members can visit us at our branch, official correspondence should be sent to 5953 Fairmont Pkwy, Pasadena, TX 77505. We understand that banking is more than just transactions; it's about building relationships and fostering trust. Under the leadership of CEO Linda Lukaszewski and Board President Stephen Harrell, our team of 177 employees is committed to providing exceptional service tailored to your individual needs. With total deposits amounting to $51,815,491 and total loans reaching 38,552, we are here to support your financial goals whether that's securing a loan for your dream car or saving for your future. Our net worth stands strong at $186,552,220, ensuring that we have the resources necessary to serve you effectively. At Gulf Coast Educators, we offer a variety of services including personal banking, auto loans, mortgage options, and online banking solutions all designed with you in mind. You can easily access your accounts anytime through our user-friendly website at gcefcu.org. We invite you to visit us during lobby hours from Monday to Friday, 8:00 AM - 5:00 PM or contact us at 281-487-9333 for any inquiries. Experience the difference with Gulf Coast Educators where your financial journey is our priority!

Branch History & Mission

Commitment to Community

Our branch is more than just a place for banking; it's a hub for community connection. We partner with local schools and organizations to promote financial literacy and support initiatives that uplift families and individuals throughout Houston. By choosing Gulf Coast Educators as your financial partner, you're not only investing in your future but also contributing to the well-being of our local community. With total assets exceeding $1.28 billion and a dedicated team of employees ready to assist you whether it's during lobby hours from Monday to Friday or via our ATM available on-site we are equipped to serve your needs effectively. Our team is committed to ensuring that each member feels valued and supported in their journey toward financial success. Join us at Gulf Coast Educators today! Experience the benefits of becoming a member of our cooperative family where your goals matter most. Together, let's build a brighter financial future for you and the communities we serve! For more information or assistance, call us at 281-487-9333 or visit our website at www.gcefcu.org.

Our Mission

At the heart of Gulf Coast Educators lies our mission: to empower our members through exceptional financial services while fostering community growth and support. We believe that everyone deserves access to quality banking options that can enhance their lives. This belief drives us to offer competitive loan rates, low fees, and personalized service. We understand that in today's fast-paced world, digital convenience matters. That's why we provide online and mobile banking services so you can manage your finances anytime, anywhere. Our commitment extends beyond just transactions; we strive to create meaningful relationships with our members by actively engaging in community outreach initiatives.

Branch Location & Accessibility

Accessibility and Parking

We know that convenience matters, which is why our location offers ample parking options. Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities to ensure everyone can visit us comfortably.

Call to Action

We invite you to visit our Summerwood Office or give us a call at 281-487-9333. Our friendly team is ready to help you with any questions or services you may need. Join us today and experience the difference at Gulf Coast Educators!

Operating Hours

Our lobby hours are Monday through Friday from 8:00 AM to 5:00 PM. For those who prefer extended access, our Interactive Teller Machine (ITM) hours are Monday through Friday from 7:00 AM to 7:00 PM and Saturday from 9:00 AM to 12:00 PM. We're closed on Sundays, but rest assured that you can always reach us during these hours for personalized assistance.

Services Offered

At Gulf Coast Educators, we pride ourselves on offering a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM availability at our branch, you can access cash and check your balance quickly and easily.

Member Eligibility

Welcome to the Gulf Coast Educators family! Joining us is more than just opening an account; it's about becoming part of a community that truly cares for its members. At Gulf Coast Educators, we are committed to providing financial services tailored to your needs. To become a member, you simply need to meet certain eligibility criteria. If you are an employee or retiree of an educational institution, or if you have an immediate family member who is, you're already on the right path! We also welcome individuals who live, work, worship, or attend school in our local communities. For more detailed information on eligibility, feel free to visit our website at gcefcu.org. Once you know you're eligible, opening an account with us is a breeze! Just head over to our account opening page at myloan.gcefcu.org or give us a call at 281-487-9333. Our team is here to help and guide you through every step of the process. With Gulf Coast Educators, you're not just a number; you're part of a supportive network ready to assist you on your financial journey.

Business Banking & Commercial Services

Business Loan Options

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. - 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 accept payments from customers effortlessly. Our merchant services streamline transactions, enabling you to focus on what matters most growing your business. From point-of-sale systems to online payment solutions, we equip you with reliable options that enhance customer satisfaction and boost sales. Visit us at 14243 E Sam Houston Pkwy N Ste 100 Houston Tx 77044 in Houston, TX, or give us a call at (281) 487-9333 to learn more about how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

Business Banking

For our business members, we offer tailored solutions to help you thrive. Our merchant services simplify payment processing so you can focus on what you do best running your business. Additionally, our business loans are designed to support various needs from startup costs to expansion plans.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. Access your accounts anytime, anywhere using our user-friendly mobile application. Whether it's checking balances, transferring funds, or making payments, we've made it simple and secure for you. You can also enjoy the ease of ATM and cash withdrawal services available at numerous locations. Our ATMs allow for basic transactions such as withdrawals and balance checks without any hassle.

Personal Banking

We understand that managing your finances is a key part of everyday life. That's why we offer a variety of personal banking services, including checking and savings accounts that help you save for your future while giving you easy access to your funds. If you're in the market for a new vehicle, our auto loans and vehicle financing options can make your dream car a reality without breaking the bank. For larger purchases like a home, our mortgage loans and refinancing programs provide flexible terms to suit your budget. When life throws unexpected expenses your way, our personal loans and debt consolidation solutions offer financial relief. Plus, our credit cards with rewards give you the opportunity to earn points on everyday purchases, making every dollar spent work harder for you.

Stay Connected

Have questions? Need assistance? Reach out to us at (281) 487-9333, and our friendly staff will be happy to help. We invite you to visit us during lobby hours from Monday through Friday from 8:00 am to 5:00 pm or take advantage of our ITM hours on weekdays from 7:00 am to 7:00 pm and Saturdays from 9:00 am to 12:00 pm. At Gulf Coast Educators, we strive to make banking accessible and beneficial for all our members. Explore all that we have to offer by visiting our website at Summerwood Office. Join us today and discover how we can support your financial journey!

Digital & Online Banking

Key Features

Our online banking offers features like electronic signature authorization, which allows you to sign documents securely without needing to visit a branch. You'll also love our e-statements, making it easy to keep track of your finances without the clutter of paper statements. Need to make quick payments? Our mobile payments feature lets you send and receive money with ease. Plus, our mobile application is available for download, giving you access to all these great features right from your smartphone.

Real-Time Management

One of the standout features at Gulf Coast Educators is person-to-person transfers. This service allows you to send money directly to friends or family members quickly and easily no need for cash or checks. It's perfect for splitting bills or sharing expenses. With all these tools at your fingertips, managing your finances has never been simpler. Our user-friendly interface ensures that even those who aren't tech-savvy will find it easy to navigate. We prioritize your security so you can bank with peace of mind. Join us today at Gulf Coast Educators and experience how our digital banking services can enhance your financial life!

Financial Strength

At Gulf Coast Educators, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position with you, reassuring you of our commitment to serving your needs. With a net worth of $186,552,220, we maintain strong 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. 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. With $179,757,816 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we currently have $11,595 in used auto loans and an impressive total of $892,470,499 in loans and leases, supporting your financial goals across various sectors. Our ability to generate income is reflected in our net income of $4,190,990, highlighting our operational efficiency and 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 and committed team. Net Shares (Funds available for lending and investments): $5,336,022. Total Share Accounts: 132,466, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gulf Coast Educators is your trusted partner. Visit us at 14243 E Sam Houston Pkwy N Ste 100 Houston TX 77044 or call 281-487-9333 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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 interested in a new model or a reliable used vehicle, we have options tailored for you.

Credit Lines

For those who need ongoing access to funds, our credit lines can be an excellent choice. We currently have a total of $760,096,741 available to help meet your financial needs as they arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide loans for Junior Lien 1-4 Family Residential Properties totaling $15,571,488. This is a great opportunity for those looking to invest in their future through real estate.

Refinancing Options

We also offer refinancing options across various loan types to ensure you're getting the best deal possible. Whether you're looking to lower your monthly payments or switch to a more favorable interest rate, our team is ready to assist you. If you want more information about our loan offerings or eligibility requirements, feel free to contact us at 281-487-9333 or visit our branch located at 14243 E Sam Houston Pkwy N Ste 100 Houston TX 77044. You can also check out our website at www.gcefcu.org for more details. Remember that all 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 take the next step toward financial success!

Unsecured Credit Card Loans

Managing finances effectively is crucial, and that's why we offer flexible terms on unsecured credit card loans. With a total of $30,602,566 in these loans available, we help our members take control of their spending while building their credit.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that the offers presented are fair and transparent. Each loan comparison reflects current rates, helping you understand your options clearly.