GECU

PO Box 20998
El Paso, TX 79998

 

2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60058
Date Established 1932
Assets $2,727.39 million
Loans $2,412.92 million
Deposits $2,316.85 million
Capital $267.14 million

Gecu is an NCUA insured institution located in El Paso, TX. It was founded in 1932 and has approximately $2727.39 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.

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 - December 9, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $4,999 Learn MoreShow Less
Money Market
0.45% $10,000 $24,999 Learn MoreShow Less
Money Market
0.55% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
2.12% $50 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.75% $2,500 $49,999 Learn MoreShow Less
3 Mo CD
0.85% $50,000 - Learn MoreShow Less
6 Mo CD
1.00% $2,500 $49,999 Learn MoreShow Less
6 Mo CD
1.10% $50,000 - Learn MoreShow Less
12 Mo CD
2.02% $50 $49,999 Learn MoreShow Less
12 Mo CD
2.12% $100,000 - Learn MoreShow Less
18 Mo CD
2.22% $1,000 $49,999 Learn MoreShow Less
18 Mo CD
2.32% $50,000 - Learn MoreShow Less
24 Mo CD
2.22% $1,000 $49,999 Learn MoreShow Less
24 Mo CD
2.32% $50,000 - Learn MoreShow Less
2.47% $1,000 $49,999 Learn MoreShow Less
2.47% $1,000 $49,999 Learn MoreShow Less
2.58% $50,000 $9,999,999 Learn MoreShow Less
36 Mo CD
2.53% $50,000 - Learn MoreShow Less
2.47% $1,000 $49,999 Learn MoreShow Less
2.58% $50,000 $9,999,999 Learn MoreShow Less
48 Mo CD
2.52% $50,000 - Learn MoreShow Less
2.89% $1,000 $49,999 Learn MoreShow Less
2.99% $50,000 $9,999,999 Learn MoreShow Less
60 Mo CD
2.88% $50,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.35% $20 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 - Learn MoreShow Less

Loan Rates - December 9, 2018

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year 3.29% 3.29% $730.23
4 Year 3.29% 3.29% $556.57
5 Year 3.49% 3.49% $454.68
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.

Branches

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.

Your Location:
Ashburn,Virginia


Gecu Locations

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
9.26% 5.78

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 June 30, 2018, Gecu had $26,457,413 in non-current loans and $837,916 in owned assets. To cover these potential losses it had $267,138,676 in net worth and $27,593,241 in loans loss reserves. That gives it a Texas Ratio of 9.26%.

Net Worth
Gecu U.S. Average
10% 13.21%

Gecu FCU has a net worth of 10% versus the BestCashCow average of 13.21. 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 On Gecu

What is Gecu?

A federal 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. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

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 $267.14 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.

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