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.

• Easy To Set-Up: To activate direct deposit, inform your employer and fill out a direct deposit form. You will need your credit union account number, routing number and a voided check of the account in which you intend to receive the payment.
• Fast And Convenient: With direct deposit, you are not required to wait in lines to deposit or cash a pay check. Your money is easily deposited to your account even when you are away on a business trip or vacation.
• Good For The Environment: Direct deposit is environment-friendly as there is no paper involved.
• More Secure: Direct deposit is a safe and confidential method of receiving payments. It reduces the chance of anyone sneak-peeking into your financial information as the funds are transferred discreetly into your account. Also, it eliminates the chance of your pay check being lost or stolen.
• Digital Storage Of Financial Information: Online modes of payment like direct deposit have eliminated the need to keep a tab on your payroll history. You can easily access your financial information as it is digitally saved.
• Facilitates Savings: Direct deposit makes you better at budgeting and saving. You can split the incoming payments between your checking, saving & retirement account. This set-up encourages savings. Also, it gives you time to pause and reflect on the expenses for a better budgeting.
• Automatic Bill Payments: As you know when the payment will be directly deposited in your account, you can schedule automatic bill payments accordingly to avoid the hassle of remembering due dates.
• Saves Costs And Energy: A lot of time and expenses are saved by relying on direct deposit for making payments. Preparing payrolls involves writing, signing, folding, delivering checks and expenses incurred on envelopes and checks. Sometimes checks have to be re-issued if lost or stolen. Direct deposits reduce such costs and channelize the energy of human resources towards more productive tasks.
• Flexibility: Direct deposit is not just limited to pay checks but can also be used for expense reimbursements, unemployment benefits, receiving income tax returns, travel and cash advances, etc.