--- title: "Gulf Credit Union: #1 HELOC in Texas" description: "Gulf Credit Union has the lowest tracked HELOC rate in Texas (5.25% APR) among 53 credit unions we verify. Gulf Credit Union rates today: mortgage 9.53% APR, HELOC from 5.25% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Gulf Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/gulf" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Gulf Credit Union: #1 HELOC in Texas ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Construction** other | 9.529% APR | 6.750% | — | Standard | | **Mortgage Loans- Purchase & Refinance** other | 5.724% APR | 5.250% | — | Standard | Gulf Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Autos** auto_any_48mo | — APR | 4.000% | 48 mo · any | Standard | | **48-Month RV Loan** rv_any_48mo | — APR | 6.000% | 48 mo | Standard | Gulf Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | 5.254% APR | 5.250% | — | Standard | Gulf Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Overdraft Line of Credit** personal | — APR | 10.500% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 12.000% | — | Standard | Gulf Credit Union personal loan rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unimproved Land** other | 6.231% % | 5.750% | — | Standard | Gulf Credit Union other rates as of November 12, 2026 As of November 12, 2026, Gulf Credit Union offers mortgage rates from 9.529% APR. HELOC rates from 5.254% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/gulf) , verified from [Gulf Credit Union's official website](https://www.gecu.org/) Best product position **#1 of 53** HELOC Gap to state best **0 bp** State market leader Vs. state median **100 bp better than median** HELOC Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 5.25% | #1 of 53 · lowest in Texas | State market leader | 100 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Gulf Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=gulf&state=texas&code=TX&name=Gulf%20Credit%20Union) Loading branch locator… ## About Gulf Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 24.6K Assets $348.5M Founded 1941 Locations reported 7 NCUA charter 60205 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Chevron** BR# 211 - Port Arthur · Port Arthur · TX · 77640 Branch in the same ZIP](https://rateapi.dev/credit-unions/california/chevron) [**Golden Triangle** Main Office · Groves · TX · 77619 About 4.1 miles away](https://rateapi.dev/credit-unions/texas/golden-triangle) [**Port Arthur Teachers** PORT ARTHUR TEACHERS FCU · PORT ARTHUR · TX · 77642 About 4.7 miles away](https://rateapi.dev/credit-unions/texas/port-arthur-teachers) [**Port Arthur Community** Port Arthur Community FCU · Port Arthur · TX · 77642 About 5.2 miles away](https://rateapi.dev/credit-unions/texas/port-arthur-community) [**Fivepoint** FivePoint Credit Union · Nederland · TX · 77642 About 6.1 miles away](https://rateapi.dev/credit-unions/texas/fivepoint) [**Neches** Administration Office · Port Neches · TX · 77651 About 6.6 miles away](https://rateapi.dev/credit-unions/texas/neches) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Gulf Credit Union Membership eligibility from Gulf Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Gulf Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Gulf Credit Union's membership page](https://www.gecu.org/) . Final membership determination is always made by the credit union. ## Work at Gulf Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Gulf Credit Union ranks against Texas peers. - See which AI assistants fetched Gulf Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=gulf&state=texas&code=TX&name=Gulf%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Gulf Credit Union offer? Gulf Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Gulf Credit Union rates updated? RateAPI verifies Gulf Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Gulf Credit Union's rate data? Rate data is collected directly from Gulf Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Gulf Credit Union's mortgage rate? As of November 12, 2026, Gulf Credit Union offers mortgage rates from 9.529% APR. ### What is Gulf Credit Union's HELOC rate? As of November 12, 2026, Gulf Credit Union offers home equity lines of credit from 5.254% APR. ### Who can join Gulf Credit Union? Gulf Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Gulf Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Gulf Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Gulf Credit Union curl "https://api.rateapi.dev/credit-unions/texas /gulf " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Gulf Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/gulf Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp