Po Box 20998
El Paso, TX 79998
See all branch locations →

Phone 800-772-4328

Notable Rates APY Vs.Others
Savings 0.25% 0.65% →
1-Year CD 0.35% 0.70% →
2-Year CD 0.50% 0.75% →
5-Year CD 1.00% 1.15% →
30-Year Mortgage 4.18% 2.72% →
15-Year Mortgage 3.78% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Gecu is an NCUA insured institution located in El Paso, TX. It was founded in 1932 and has approximately $3541.62 millions in assets.

Who can join?

If you live or work in the El Paso County, Hudspeth County or in Doña Ana County not more than 25 miles from our 1500 North Resler office, then you are eligible to join GECU.

NCUA Insured Yes / State-Chartered
Charter Number # # 60058
Date Established 1932
Assets $3,541.62 million
Loans $2,575.85 million
Deposits $3,024.35 million
Capital $347.83 million

Field of Membership Restrictions

Membership in GECU is open to those who live, work, attend school or worship in El Paso, or Hudspeth Counties in Texas and in Doria Ana County within a 25-mile radius of the 1500 North Resler Branch office.

Deposit Rates - June 13, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $1,000 - Learn More
12 Mo CD
0.35% $1,000 $14,999 Learn More
18 Mo CD
0.51% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
30 Mo CD
0.71% $1,000 - Learn More
36 Mo CD
0.70% $1,000 - Learn More
48 Mo CD
0.70% $1,000 - Learn More
60 Mo CD
0.85% $1,000 - Learn More
60 Mo CD
1.00% $100,000 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 13, 2021

Your Current Location: Connecticut, CT 06828

Auto Loan Rates APR Rate Monthly Payment
3 Year 3.24% 3.24% $729.68
4 Year 3.24% 3.24% $556.01
5 Year 3.24% 3.24% $451.89
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Below are Gecu branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Gecu Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gecu. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Gecu U.S. Average
6.50% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Gecu had $24,835,481 in non-current loans and $411,718 in owned assets. To cover these potential losses it had $347,830,068 in net worth and $40,498,816 in loans loss reserves. That gives it a Texas Ratio of 6.50%.

Net Worth
Gecu U.S. Average
10.32% 12.67%

Gecu FCU has a net worth of 10.32% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Gecu

Branches and Savings

What is Gecu?

A credit union, registered with the NCUA under certificate #60058.
Learn more about credit unions here.

Is Gecu FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Gecu is insured by the NCUA.

Who can join Gecu?

Please see Field of Membership information above for information on who is eligible to join.

What are Gecu's share account and share certificate rates?

Gecu's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Gecu?

Gecu has total capital of $347.83 million. Full information on Gecu's financial position is located above.

Who owns Gecu?

Credit Unions are owned by their members.

Where are Gecu branches located?

See branch locations nearby.

Are Gecu ATMs Open 24/7?

Do Gecu ATMs accept cash deposits?

Can Gecu customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Gecu have a mobile app?

Does Gecu have mobile deposit?

Does Gecu have quick pay?

How can Gecu transfer money to other banks or credit unions?

Does Gecu report to credit bureaus?

Does Gecu use Chexsystems?

Does Gecu use Equifax?

What is Gecu's toll free phone number?

What is Gecu's ACH Routing Number?

What is Gecu's SWIFT code?

Where can I find Gecu's wire transfer form?

What is the Gecu address for deposits?

What Products Does Gecu Offer

Does Gecu offer mortgages?

Compare mortgage rates here.

Does Gecu offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gecu offer auto and RV loans?

Compare auto loan rates here.

Does Gecu offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Gecu

  • June 14, 2019 |

    This bank gives you the runaround to find simple rates such as Roth rate and traditional ira but when it comes to cd rates it is very easily attainable. And the 1st information when you select rates but to find your retirement rates you have to select loans and credit cards and dig a little deeper for that rate. Makes you wonder why they are hiding it so far down the rabbit hole?

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