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Gecu

PO Box 20998, El Paso, TX 79998
NCUA Insured2.5 (135 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1932

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 20998

El Paso, TX 79998

Service Area

This credit union is located in El Paso and serves members in the TX area. Currently serving 441,513 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 Β· NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.17%

Used Auto Loan

6.17%

Personal Loan

14.53%

Credit Card APR

12.55%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union β€” not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(27 total)

Member Reviews

2.5

135 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ozz Villa

Ozz Villa

4 months ago

Prepare yourself for long waits. This is the worst financial institution you can imagine. They don't value your time whether with a live teller, by phone or at one of their inhuman video tellers. Open accounts elsewhere. You can't go wrong skipping this place. I'm here on Wednesday 2/4 at 1:49.

MC TX

MC TX

3 months ago

This review is for GECU Operations Center in airway, Ms Andrea from loans has been amazing helping me to complete the application through the app. Very patient, professional and very well informed. Thanks ms Andrea for the follow up ph call and keep up the great work πŸ˜ƒ

Victoria Arredondo

Victoria Arredondo

5 months ago

I did a mortgage refinance which offers a free $500 gift card. I had to bust hoops for it by calling several times & being on hold over an hour. Then they asked me to call them back to check on the status of my gift card, claiming that there had not been enough time that passed since my closing (it had been 3 weeks) & that I had to wait a whole month. Sent an email to Leticia Lopez (the woman that did my refinance) I mentioned that I never received my gift card ; instead of it being automatically sent to me. Just beware if you refinance keep an eye out for your gift card because someone may be collecting them for themselves you don’t speak up.

Cristian Lopez

Cristian Lopez

4 months ago

Don't get your home financed with GECU, they sent my escrow reibursment to the wrong adress and they haven't resolve anything in over 3 weeks. They were also over charging me in my mortgage $200 per month, supposedly my payment was going down this month but they still charge me the wrong quantity eve tough updated monthly payment shows in the GECU app. Worst customer service.

Carlos Fuentes

Carlos Fuentes

6 months ago

worst bank ever, with their camera tellers they take forever and also they will keep your money if you leave any left on a closed account, these bank should be closed forever worst customer service

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • β€’ Current loan rates & terms
  • β€’ Membership eligibility requirements
  • β€’ Minimum deposit to open an account
  • β€’ Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).