Gecu Credit Union
Headquarters
Po Box 20998
El Paso, TX 79998
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Phone 800-772-4328
2024 Overview
General Credit Union Information
Gecu is an NCUA insured institution located in El Paso, TX. It was founded in 1932 and has approximately $4125.18 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 | $4,125.18 million |
| Loans | $2,879.42 million |
| Deposits | $3,378.97 million |
| Capital | $440.10 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 - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.15% | $100 | - |
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Money Market
|
0.55% | $2,500 | $4,999 |
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Money Market
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0.60% | $5,000 | $9,999 |
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Money Market
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0.75% | $10,000 | $24,999 |
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Money Market
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0.85% | $25,000 | $49,999 |
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Money Market
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0.95% | $50,000 | $99,999 |
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Money Market
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1.15% | $100,000 | $249,999 |
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Money Market
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1.25% | $250,000 | $499,999 |
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Money Market
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1.35% | $500,000 | - |
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| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
3.05% | $50 | - |
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| 12 Month Jumbo
|
3.15% | $50,000 | - |
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| 18 Mo CD
|
3.25% | $1,000 | - |
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| 24 Mo CD
|
3.25% | $1,000 | - |
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| 30 Mo CD
|
3.46% | $1,000 | - |
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| 36 Mo CD
|
3.46% | $1,000 | - |
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| 48 Mo CD
|
3.46% | $1,000 | - |
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| 60 Mo CD
|
3.72% | $1,000 | - |
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Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| 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 | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.28% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.67% | 7.25% | $2,529.20 | |
| 30 Year Fixed Conforming See Amortization Table |
7.68% | 7.38% | $2,210.16 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.28% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.67% | 7.25% | $2,529.20 | |
| 30 Year Fixed Conforming See Amortization Table |
7.68% | 7.38% | $2,210.16 | |
Compare with 6.994% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC.
See All Mortgage Rates |
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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:
Columbus,Ohio
Climate Policy and Initiatives
GECU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 4.63% | 6.97 |
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, 2023, Gecu had $21,162,734 in non-current loans and $453,878 in owned assets. To cover these potential losses it had $440,095,697 in net worth and $26,977,930 in loans loss reserves. That gives it a Texas Ratio of 4.63%.
Net Worth
| Gecu | U.S. Average |
|---|---|
| 11.17% | 13.62% |
Gecu FCU has a net worth of 11.17% versus the BestCashCow average of 13.62. 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
Csj
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?
Is this review helpful? Yes:1 / No: 0
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