Gulf Coast Educators Credit Union Sweeny TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Gulf Coast Educators, your trusted partner in financial wellness, located at 400 N Elm St, Sweeny, TX 77480. Since our establishment in 1948, we've been dedicated to serving our community with integrity and commitment. With a proud membership of 59,676 members, we understand the unique needs of our local community and strive to offer personalized financial solutions that truly make a difference. At Gulf Coast Educators, we believe in empowering our members through access to a range of services tailored just for you. Our total assets exceed an impressive $1.28 billion, demonstrating our stability and ability to support your financial goals. Whether you're looking for auto loans or savings accounts, we are here to assist you with total deposits of $51,815,491 and a net worth of $186,552,220, showcasing our strong financial foundation. Our leadership team is deeply committed to your satisfaction. Under the guidance of CEO Linda Lukaszewski and Board President Stephen Harrell, we foster an environment where members are treated like family. Our experienced staff of 177 employees is ready to help you navigate your financial journey with ease. While members can visit us at our Sweeny branch for friendly service and expert advice, official correspondence should be sent to our mailing address at 5953 Fairmont Parkway, Pasadena, TX 77505. Ready to take the next step? Call us at 281-487-9333 or visit our website at www.gcefcu.org today! We look forward to helping you achieve your financial dreams!

Branch History & Mission

Commitment to Community

At Gulf Coast Educators, our mission extends beyond just banking. We actively engage in partnerships and outreach programs that benefit local schools, charities, and community organizations. By investing in our community, we aim to enhance the quality of life for everyone around us. We understand that financial education is vital; therefore, we offer resources and workshops to empower our members in making informed financial decisions. While members can visit us at 400 N Elm St, official correspondence should be sent to 5953 Fairmont Parkway, Pasadena, TX 77505. This dual address reflects our commitment not only to convenience but also to transparency in all dealings.

Join Us Today!

Our doors are open Monday through Friday from 8 AM to 5 PM. With no ATM or drive-thru service currently available at this location, we encourage members to utilize our comprehensive online services for their banking needs. Whether you're looking for personal banking solutions like checking accounts and auto loans or business banking options, we've got you covered. As part of your local credit union family, you can expect personalized service tailored to your unique financial goals. Experience the benefits of membership with Gulf Coast Educators today! Visit us online at Gulf Coast Educators or call us at 281-487-9333 for more information on how you can join us in building a stronger community together.

Our Evolution

From humble beginnings, Gulf Coast Educators has evolved into a trusted financial partner for individuals and families across Sweeny and beyond. Our mission is clear: we are dedicated to providing exceptional financial services while fostering community growth. We believe that when our members thrive, so does the entire community. Over the decades, we have embraced change and innovation to better serve our members. Our commitment to digital advancements includes online banking and mobile payment options, ensuring that our services remain accessible and convenient in today's fast-paced world. We also prioritize ADA compliance, making sure our facilities are welcoming to all.

Branch Location & Accessibility

Convenient Operating Hours

We understand that life gets busy! That's why our lobby hours are set from Monday to Friday, opening at 8 AM and closing at 5 PM. We invite you to drop in whenever it's convenient for you during these hours.

Easy Access and Parking

Finding us is a breeze! Our branch is designed with accessibility in mind, featuring ADA-compliant facilities and ample parking spaces so everyone can come in comfortably. Whether you're stopping by during your lunch break or making a special trip for your banking needs, we are here for you.

Services Tailored for You

At Gulf Coast Educators, we offer a variety of services that cater to both personal and business needs. From checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Unfortunately, we currently do not have ATM or drive-thru services available. However, our friendly staff is always ready to assist you inside the branch. If you have questions or need assistance before your visit, feel free to call us at 281-487-9333. We look forward to welcoming you to our Sweeny office soon!

Member Eligibility

At Gulf Coast Educators, we believe in building a community where everyone feels welcome and supported. Becoming a member is simple and open to those who meet our friendly eligibility criteria. If you live, work, or attend school in the areas we serve, or if you are a family member of an existing member, you can easily join our credit union. This means that whether you're a teacher, student, or simply someone who appreciates the value of community banking, there's a place for you here. For more detailed information about eligibility requirements, feel free to check out our website at this link. Once you're ready to take the next step towards membership at Gulf Coast Educators, opening your account is straightforward. You can start the process online by visiting this page or give us a call at 281-487-9333 for assistance. We're located at 400 N Elm St, Sweeny, TX 77480 and are excited to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to expand your operations or invest in new equipment. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans issued, we're excited about the possibilities ahead for local entrepreneurs.

Merchant Services

We know that managing cash flow is crucial for any business owner. Our merchant services provide reliable payment processing solutions that help you serve your customers better while keeping your finances organized. Whether you're a small boutique or a bustling restaurant, our tools are designed to make transactions smooth and hassle-free. If you're ready to explore how Gulf Coast Educators can partner with you in achieving your business goals, visit us at 400 N Elm St Sweeny Tx 77480 in Sweeny, TX or give us a call at (281) 487-9333. Let's work together to fuel your success!

Comprehensive List Of Services

Connect With Us

At Gulf Coast Educators, we value our relationship with each member and are here to assist with any questions or financial needs you may have. Feel free to reach out at 281-487-9333 during our operating hours from Monday to Friday, 8 AM to 5 PM. Ready to explore how we can assist you? Visit us online at gcefcu.org or stop by our branch today! Your journey towards better financial health starts here!

Credit Cards & Business Banking

Looking for rewards on your spending? Our credit cards come with exciting rewards programs that allow you to earn while you spend. Whether it's cash back or travel points, we've got something for everyone. For local businesses, Gulf Coast Educators offers comprehensive business banking services including merchant services and business loans. We understand the challenges of running a business, and we're committed to supporting entrepreneurs in Sweeny and beyond.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. With features like mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier. Access your accounts anytime from anywhere with just a few clicks or taps on your smartphone! While we may not have ATMs or drive-thru service at this location, our digital offerings ensure that you can perform all necessary transactions from the comfort of your home or on-the-go.

Personal Banking Solutions

Our personal banking options begin with checking and savings accounts that help you manage your everyday finances. Imagine having a checking account that offers easy access to your funds while also helping you save for future goals. With our competitive interest rates on savings accounts, you can watch your money grow over time. When it comes to financing your next vehicle, we offer auto loans and vehicle financing options that are designed to fit various budgets. Picture driving off in your dream car without the stress of high payments; our team is here to help you find the best terms possible. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans provide flexible solutions tailored to your financial situation. We understand that purchasing a home is one of the biggest decisions you'll make, so we aim to simplify the process. For those unexpected expenses or when you need extra cash, our personal loans and debt consolidation options can provide the financial relief you need. We work closely with our members to create personalized loan solutions that help ease their burdens.

Digital & Online Banking

Key Features

With our online banking services, you can check your balance, transfer funds, and pay bills anytime you need to. One of the standout features is E-Statements, which allows you to receive your account statements electronically. This not only saves paper but also helps you keep track of your financial activities easily. For those who love using their smartphones, our mobile application is available for download, providing you with the ability to manage your accounts right from your device. You can also take advantage of mobile payments, making transactions quick and efficient just tap and go! If you need to send money to friends or family, our person-to-person transfers make it simple and fast. Plus, with electronic signature authorization, signing documents is now hassle-free; no more printing or scanning required!

Security and Accessibility

We prioritize your security in all online transactions. Our platform employs robust security measures to ensure that your personal information stays safe while giving you peace of mind. Our user-friendly interface makes navigating through various services straightforward, so even if you're new to online banking, you'll find it easy to use. With these services from Gulf Coast Educators, managing your finances has never been easier or more secure. Experience the freedom of having complete control over your banking needs anytime and anywhere!

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 committed to maintaining a strong financial foundation that benefits you, our valued member. 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 supports members' financial goals across various sectors with $11,595 in used auto loans and a total of $892,470,499 in loans and leases. Our operational efficiency is reflected in our impressive net income of $4,190,990, 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, committed team. Net Shares (Funds available for lending and investments): $5,336,022. Total Share and Deposit Accounts: 132,466, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 400 N Elm St Sweeny Tx 77480 or call 281-487-9333 to learn more about how we can help you achieve your financial goals.

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 eyeing a brand-new model or a reliable used vehicle, our financing options can make your purchase easier.

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. This can be an excellent option for those who need quick access to funds without tying up their assets.

Credit Lines and Refinancing Options

For those looking for additional borrowing power or wanting to consolidate existing debt, our total credit lines amount to $760,096,741. Refinancing options are available as well allowing you to take advantage of better rates and terms as your financial situation changes. For more information about our loan offerings or eligibility requirements, feel free to reach out at 281-487-9333 or visit us at 400 N Elm St Sweeny Tx 77480. We're here Monday through Friday from 8 AM to 5 PM to assist you with your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 competitive rates and flexible terms to help you secure the home of your dreams.

Loan Aggregator

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