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

Introduction

Welcome to Gulf Coast Educators, your trusted financial partner located at 27252 Katy Fwy, Katy, TX 77494. Established in 1948, we have been dedicated to serving our community for over 75 years, providing a solid foundation for our 59,676 members. With total assets of $1,280,109,508 and deposits amounting to $51,815,491, we are committed to your financial well-being. Under the leadership of our CEO, Linda Lukaszewski, and Board President, Stephen Harrell, our team of 177 employees works tirelessly to offer personalized services tailored to your needs. We understand that every member's journey is unique, which is why we provide a variety of options including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. While you can visit us at our Katy branch for all your banking needs, official correspondence should be sent to our mailing address at 5953 Fairmont Pkwy, Pasadena, TX 77505. We're here to help you navigate your financial path with confidence. At Gulf Coast Educators, we take pride in not only being a financial institution but also a cornerstone of the community. With total loans exceeding 38,552 and a net worth of $186,552,220, we aim to empower our members with the resources they need to achieve their goals. We invite you to explore all that we have to offer by visiting our website at gcefcu.org or calling us at 281-487-9333. Let's build a brighter financial future together!

Branch History & Mission

The story of Gulf Coast Educators in Katy, TX, is one of community spirit and commitment to service that stretches back to 1948. Since opening our doors at 27252 Katy Fwy, Katy, TX 77494, we have been dedicated to supporting our members and the local community. With a growing membership of over 59,676, we pride ourselves on being more than just a financial institution; we are a trusted partner in our members' lives. From humble beginnings, we have continuously evolved to meet the changing needs of our members. Our journey has included significant milestones such as achieving total assets of over $1.28 billion and expanding our services to include personal banking, auto loans, mortgages, and business banking solutions. We strive to empower our members through financial education and personalized service tailored to their unique circumstances. Our mission is clear: to provide exceptional financial services while fostering community development and support. We believe in making banking accessible for everyone. Whether it's through modern digital solutions like online banking and mobile payments or traditional services at our branch, we ensure that every interaction is focused on our members' needs. While members can visit us at 27252 Katy Fwy, official correspondence should be sent to 5953 Fairmont Pkwy, Pasadena, TX 77505. Our operating hours are designed with convenience in mind: Lobby Hours run from Monday to Friday, 8:00 am 5:00 pm, with extended Drive-Thru hours from 7:00 am 7:00 pm on weekdays and Saturday mornings from 9:00 am 12:00 pm. At Gulf Coast Educators, we take pride in being ADA compliant and ensuring that all members can access our services comfortably. Our commitment extends beyond finance; we actively participate in community outreach programs that support local schools and organizations. Join us today at Gulf Coast Educators. Experience the difference of a credit union that truly cares about its members and community! For more information about membership or services, visit us online at Gulf Coast Educators or give us a call at 281-487-9333. Let's build a brighter future together!

Branch Location & Accessibility

Welcome to the Gulf Coast Educators branch, conveniently located at 27252 Katy Fwy in Katy, Texas. Our branch is nestled in the heart of Fort Bend County, making it easy for you to drop by and take care of your banking needs. If you're heading our way, keep an eye out for nearby landmarks like the Katy Mills Mall, which is just a stone's throw away. At Gulf Coast Educators, we understand that accessibility is key. Our branch is equipped with features to ensure everyone can visit us comfortably. You'll find ample parking available right outside our doors, along with ADA-compliant ramps and entrances designed for easy access. When it comes to convenience, our operating hours are designed with your busy schedule in mind. Visit us Monday through Friday from 8:00 AM to 5:00 PM, or swing by on Saturdays from 9:00 AM to 12:00 PM. We're closed on Sundays so our team can recharge and be ready to serve you better throughout the week. For those who prefer digital banking solutions, we offer ATM services as well as mobile and online banking options, ensuring you have access to your accounts whenever you need it. While we currently do not have a drive-thru service, our friendly staff is always ready to assist you in person. Should you need to send us official correspondence, please use our mailing address at 5953 Fairmont Pkwy, Pasadena, TX 77505. Feel free to give us a call at 281-487-9333 if you have any questions or need assistance before your visit. We look forward to welcoming you at Gulf Coast Educators where your financial well-being is our priority!

Member Eligibility

Welcome to the Gulf Coast Educators community! Becoming a member of Gulf Coast Educators is not just about opening an account; it's about joining a supportive family that cares for your financial well-being. To be eligible, you need to be an educator or related personnel in the education sector, or a family member of someone who qualifies. It's a welcoming environment where you can thrive, knowing that your needs are understood and prioritized. For more details on eligibility criteria, feel free to check out this helpful resource: Eligibility Details. Opening your account at Gulf Coast Educators is as easy as pie! Just visit us at 27252 Katy Fwy Katy Tx 77494, give us a call at (281) 487-9333, or explore our online application process through this link: Account Opening. We're here to make sure you have everything you need to embark on your financial journey with us. Join us today and experience the benefits of being part of a credit union that truly values its members!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer essential merchant services that simplify everyday transactions. Imagine a busy café owner seamlessly processing payments with ease, thanks to our reliable payment solutions. From credit card processing to point-of-sale systems, our services ensure that your business runs smoothly, allowing you to focus on what you do best serving your customers. Visit us at 27252 Katy Fwy Katy Tx 77494 or call us at (281) 487-9333 to learn how our business banking and commercial services can help elevate your business today!

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services provide basic access for withdrawals and balance checks at locations near you. With ATMs available throughout the region, getting cash when you need it is simple and straightforward. At Gulf Coast Educators, we are dedicated to serving our community's financial needs with compassion and expertise. To learn more about any of these services or how we can assist you further, don't hesitate to reach out at (281) 487-9333 or visit us online at https://www.gcefcu.org/. We're here for you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed with competitive rates that make getting behind the wheel more affordable than ever. Picture driving off in your dream car without breaking the bank! We also provide refinancing options if you're looking to lower your current payments or adjust your loan terms.

Business Banking

At Gulf Coast Educators, we also cater to local businesses with specialized banking services. From merchant services that simplify transactions to business loans designed for growth, we provide resources that help entrepreneurs thrive in their ventures.

Credit Cards with Rewards

Reward yourself for spending with our credit cards that come loaded with benefits! Whether it's cash back, travel rewards, or points towards future purchases, using our credit card can enhance your shopping experience while making every dollar count.

Mortgage Loans & Refinancing

For those ready to buy a home or refinance an existing mortgage, our mortgage loan services offer flexible solutions tailored to fit various budgets. We understand that buying a home is one of the biggest decisions you'll make, which is why our team guides you through every step, ensuring you find the right loan for your situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, accessing your financial information has never been easier.

Personal Banking

Managing your everyday finances is made easy with our personal banking services. We offer checking and savings accounts that cater to your specific needs, helping you achieve your savings goals while providing easy access to your funds. Imagine having a dedicated account where you can effortlessly manage your daily expenses and watch your savings grow over time.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt into manageable payments, our personal loans can help ease that burden. Imagine simplifying your finances by combining multiple debts into one easy monthly payment our team can assist in finding the best solution for you.

Digital & Online Banking

Easy Payments and Transfers

Need to send money to a friend? Our person-to-person transfers make it simple to send cash directly from your account to theirs. Just a few taps on your phone and you're done! If you're out shopping, enjoy the ease of mobile payments, letting you pay securely without needing to carry cash or cards.

Key Services

With our online banking services available 24/7 at https://www.gcefcu.org/, you can check balances, pay bills, and transfer funds whenever it suits you. No more rushing to the bank before closing time; everything you need is just a click away. And if you prefer using your mobile device, our mobile application lets you manage your accounts right from your pocket.

Security and Convenience

We take your security seriously. Our electronic signature authorization feature means you can sign documents online safely, saving you time and hassle. Plus, with e-statements, you'll receive your account statements electronically no more paper clutter! You can easily access them anytime, which helps keep track of your finances effortlessly.

Stay Connected

Our commitment to accessible banking means that whether you're at home or out running errands, managing your finances is quick and straightforward. Join us at Gulf Coast Educators for a modern banking experience that prioritizes your needs while ensuring top-notch security. For more information about our digital services, visit us at https://www.gcefcu.org/.

Financial Strength

A Dedicated Team at Your Service

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. Our total share accounts stand at 132,466, showing that more members trust us with their finances every day. 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 27252 Katy Fwy Katy Tx 77494 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.*

Member-Centric Savings

Your savings are secure with us! Members' funds are backed by $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 currently at $0, our resources are focused solely on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance shows our commitment to operational efficiency with a net income of $4,190,990. This allows us to continue offering competitive loan rates and solid financial products tailored for our members' needs.

Reinvesting for Your Benefit

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

Solid Financial Health

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.

Loan Offering

Additional Options

In addition to these offerings, our credit union is committed to serving our community by providing personal loans and debt consolidation options. If you're a business owner seeking capital for growth, please note that while we currently do not have outstanding commercial loans available, we are always exploring opportunities to support local businesses. For more information about our loan products or to discuss eligibility options tailored for you, feel free to reach out at 281-487-9333 or visit us at 27252 Katy Fwy, Katy TX 77494. 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 towards achieving your financial aspirations!

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. We provide flexible terms and competitive rates to make your auto financing experience smooth and straightforward.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $15,571,488, make buying or refinancing simple. We offer various mortgage products tailored to fit your budget and lifestyle. If you're considering refinancing your existing mortgage for better rates or terms, we have options available that may suit your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $30,602,566 in loans helping members manage their finances effectively. Our credit cards come with rewards and features designed to help you make the most out of your spending.

Loan Aggregator

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