--- title: "Gulf Coast Educators Credit Union Rates - Texas" description: "Current vehicle loan, personal loan, savings & cd, and equipment loan rates from Gulf Coast Educators Credit Union in Texas. Updated daily with source verification. See who can join Gulf Coast Educators Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/gulf-coast-educators" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Gulf Coast Educators Credit Union Rates - Texas ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month Auto Loan** auto_any_36mo | — APR | 3.990% | 36 mo | Standard | | **Up to 48-Month Auto Loan** auto_any_48mo | — APR | 4.240% | 48 mo | Standard | | **Up to 60-Month Auto Loan** auto_any_60mo | — APR | 4.490% | 60 mo | Standard | | **Up to 72-Month Auto Loan** auto_any_72mo | — APR | 4.990% | 72 mo | Standard | | **Up to 84-Month Auto Loan** auto_any_84mo | — APR | 5.490% | 84 mo | Standard | | **Up to 60-Month Boat Loan** boat_any_60mo | — APR | 7.490% | 60 mo | Standard | | **Up to 60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 7.490% | 60 mo | Standard | | **Up to 60-Month RV Loan** rv_any_60mo | — APR | 7.490% | 60 mo | Standard | | **Up to 84-Month Boat Loan** boat_any_84mo | — APR | 8.740% | 84 mo | Standard | | **Up to 84-Month RV Loan** rv_any_84mo | — APR | 8.740% | 84 mo | Standard | Gulf Coast Educators Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Up to 48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 11.240% | 48 mo | Standard | | **Up to 84-Month Unsecured Personal Loan** personal_unsecured_84mo | — APR | 12.740% | 84 mo | Standard | Gulf Coast Educators Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Sandy Saver** savings | — APY | 0.05% | — | Standard | | **Savings** share_savings | — APY | 0.05% | — | Standard | | **Christmas Club Account** savings | — APY | 0.05% | — | Specialty offer | | **Advantage Checking Account** checking | — APY | 0.05% | — | Specialty offer | | **Dollar Up Savings** savings | — APY | 2.99% | — | Standard | Gulf Coast Educators Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **miscellaneous equipment loan ra (Up to 60 months)** equipment_60mo | — APR | 8.500% | — | Standard | Gulf Coast Educators Credit Union equipment loan rates as of November 12, 2026 ### Other rates 11 offers | Product | Published | Rate | Term / condition | Status | | **loan discounts (Credit Life or Disability Insurance)** other | — % | 0.250% | — | Standard | | **loan discounts (Gulf Coast Educators Insurance Services, LLC)** other | — % | 0.250% | — | Standard | | **loan discounts (Direct Deposit)** other | — % | 0.250% | — | Standard | | **title loan rates (Up to 36 months)** other | — % | 4.490% | — | Standard | | **title loan rates (Up to 48 months)** other | — % | 4.740% | — | Standard | | **title loan rates (Up to 60 months)** other | — % | 4.990% | — | Standard | | **title loan rates (Up to 72 months)** other | — % | 5.490% | — | Standard | | **title loan rates (Up to 84 months)** other | — % | 6.240% | — | Standard | | **Professional Development** other | — % | 8.990% | — | Standard | | **Classroom Supplies** other | — % | 8.990% | — | Standard | | **Alternative Teaching Certification** other | — % | 8.990% | — | Standard | Gulf Coast Educators Credit Union other rates as of November 12, 2026 Gulf Coast Educators Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/gulf-coast-educators) , verified from [Gulf Coast Educators Credit Union's official website](https://www.gcefcu.org/) Loading branch locator… ## About Gulf Coast Educators Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 61.1K Assets $1.3B Founded 1948 Locations reported 9 NCUA charter 5648 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products 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. [**Shell** Fairmont · Pasadena · TX · 77505 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/shell) [**Essential** Houston Texas · Houston · TX · 77059 About 1.8 miles away](https://rateapi.dev/credit-unions/louisiana/essential) [**Texas Dow Employees** TDECU-Preston · Pasadena · TX · 77503 About 3.1 miles away](https://rateapi.dev/credit-unions/texas/texas-dow-employees) [**Beacon** HEB - Deer Park · Deer Park · TX · 77536 About 3.2 miles away](https://rateapi.dev/credit-unions/texas/beacon) [**City of Deer Park** Main Office · Deer Park · TX · 77536 About 3.3 miles away](https://rateapi.dev/credit-unions/texas/city-of-deer-park) [**Associated Credit Union of Texas** Deer Park · Deer Park · TX · 77536-3409 About 3.3 miles away](https://rateapi.dev/credit-unions/texas/associated-credit-union-of-texas) 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 Coast Educators Credit Union Membership eligibility from Gulf Coast Educators Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Gulf Coast Educators Federal Credit Union) or occupations (School District Employee) - Location TX - Employer Gulf Coast Educators Federal Credit Union - Occupation School District Employee Verified from [Gulf Coast Educators Credit Union's membership page](https://www.gcefcu.org/membership) . Final membership determination is always made by the credit union. ## Work at Gulf Coast Educators 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 Coast Educators Credit Union ranks against Texas peers. - See which AI assistants fetched Gulf Coast Educators 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-coast-educators&state=texas&code=TX&name=Gulf%20Coast%20Educators%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Gulf Coast Educators Credit Union offer? Gulf Coast Educators Credit Union currently offers vehicle loan, 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 Coast Educators Credit Union rates updated? RateAPI verifies Gulf Coast Educators 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 Coast Educators Credit Union's rate data? Rate data is collected directly from Gulf Coast Educators Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Gulf Coast Educators Credit Union? Membership via employers (Gulf Coast Educators Federal Credit Union) or occupations (School District Employee) ## Related Rate Data Compare Gulf Coast Educators Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [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.gcefcu.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 Coast Educators 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 Coast Educators Credit Union curl "https://api.rateapi.dev/credit-unions/texas /gulf-coast-educators " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Gulf Coast Educators Credit Union locations Search, filter, and browse all 9 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-coast-educators Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp