Gecu Credit Union


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

Phone 800-772-4328

Notable Rates APY Vs.Others
Savings 0.25% 0.85% →
1-Year CD 0.35% 0.67% →
2-Year CD 0.50% 0.80% →
5-Year CD 1.00% 1.25% →
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 $3705.43 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 $3,705.43 million
Loans $2,514.75 million
Deposits $3,218.85 million
Capital $372.90 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 - December 2, 2021

Your Current Location: Virginia, VA 20146

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 - December 2, 2021

Your Current Location: Virginia, VA 20146

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.

Your Location:

Climate Initiatives

GECU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
4.21% 3.79

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, 2021, Gecu had $16,985,627 in non-current loans and $297,523 in owned assets. To cover these potential losses it had $372,901,216 in net worth and $37,801,595 in loans loss reserves. That gives it a Texas Ratio of 4.21%.

Net Worth
Gecu U.S. Average
10.38% 12.22%

Gecu FCU has a net worth of 10.38% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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?

Add Your Review

Rate it here →