• Focus on the community: A credit union aims at uplifting the financial understanding and positioning of its members. They plough back the finances they raise for the improvement of the objectives, thus making them a viable social organization.

• Easier loans and lower interest rates: Accessibility of loans at competitive interest rates is one of the biggest advantages of a credit union. The application process is much easier and the loans are approved in a shorter period of time.  

• Lower banking fee: Their overdraft policies, minimum balance policies are competitive and designed keeping in mind the benefit of the members.

• Easy to join: It is easy to become a member of a credit union. Membership may be accepted depending on your area of residence, thus opening its gates to more and more members.

• Education: One can trust a credit union to offer the best advice when it comes to financial constraints and liabilities. They organize periodic seminars, panel discussions, lectures, and personalized financial counseling to make the members aware of latest financial tools available.

• Accessibility: Credit Unions are managed by representatives amongst the members and thus are more receptive to an individual’s concern. They are connected digitally, giving its members various windows to interact and exchange views, all round the day.

• More personal: You can strike personal relations with the staff as they are more forthcoming in attending to your queries than anywhere else. You can discuss your problems, raise queries and express opinions as these unions respond promptly to feedback.

Greater Central Texas Federal Credit Union has its origins dating back to 1957. We are a secure and sound credit union, based on a not-for-profit model, where all the proceedings from the credit unions go back to our members. The large number of financial opportunities and member services that we offer give us the reputation of being a highly trusted financial service provider. Here is a look at some of the key benefits that you can avail with a GCTFCU membership:

• Payroll deduction
• Direct deposit
• ATM
• Wire transfer
• Cash advance on your MasterCard and MasterCard gift cards
• Bill payments
• Online access to your account
• ACH origination
• Notary service

In addition to the aforementioned convenience services that we offer our members, you can also benefit from a wide range of savings and investment options. These are especially useful if you are planning to make a huge investment like a house or a car. As a GCTFCU member, you are entitled to open a regular share savings account, for which you need a minimum of only $25.00 to start with. You can benefit from our attractive dividend rates, which are paid on a quarterly basis.

Other popular saving options that our members can avail include Share Certificates of Deposit, IRAs, and club accounts. The SCD requires a minimum balance of $1000, and flexible terms ranging between 6 months and 36 months. The interest on these accounts is compounded quarterly. For those looking for a secured auto loan, getting a GCTFCU membership is a great idea, because we offer cheap interest rates and flexible loan terms, making it easy for you to convert your dream into a reality.

Our members are entitled to a wide range of options while getting an auto loan, which include pre-approval on the loan and refinancing. Other loans that we offer include boat loans, RV loans, home improvement loans etc. You can also enjoy low rates on our credit cards, which start from as low as 8.99% for our MasterCard Platinum. Our members are privileged to use these credit cards worldwide, without having to pay any annual fee.

You can also avail our exclusive skip-a-payment feature, which makes it easy for you to sail through a rough financial patch without having to worry about lagging behind on your loan payment. Our efforts remain to provide the best service and lending opportunities to each of our valuable members.