Greater Central Texas
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1957
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Killeen, TX may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1957
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Killeen and serves members in the TX area. Currently serving 2,087 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 · NCUAKey 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
5.00%Used Auto Loan
5.50%Personal Loan
13.75%Credit Card APR
9.95%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — 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).
Odessa, TX
Houston, TX
Amarillo, TX
Levelland, TX
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(1 total)
Member Reviews
4.3
16 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Ophelia Charlotte
4 months ago
I was visiting family and remembered this crappy place. I remember my first debit card ever being with them. I was 19 years old and had been helicoptered over my whole life by parents who didn't teach me actual life skills, so when I was on my own and had to cash my first check from my first job, I didn't know how to do it. The lady was so rude and hesitant and just like... stared at me, barely wanting to show me how to do it. That was fine... But years later during covid someone hacked one of my accounts and stole hundreds of dollars from me. I contacted everyone I could, canceled everything I could, and did everything, but these people said there was nothing they could do to get that money back for me. Literally said it was me that authorized that money being taken. ...Cool. There are various reasons I do not miss banking here, now that I have accounts with other banks. Banks that aren't inconvenient to use, the employees arent rude, the overdraft fees aren't constant and terrible, and also, banks that let you use things like cash app without giving you crap. Don't use this place👎
Yesenia Cervantes Vazquez
2 years ago
This credit union is amazing, I have been with them since I was probably 18 and now I'm almost 40 yrs old! I have closer to home options with flexible hours to fit my schedule, but year after year I choose to stay with GCTFCU. The staff work together in unison, if you like going to a business where you will be treated with dignity and like family, this Credit Union strives to do that! Thanks GCTFCU.
larry jacobs
5 years ago
I've been with the cu for over 30 yrs and always, always, were treated with the highest respect. I normally don't write reviews but this cu deserves one that tells the truth
KrissKross
5 years ago
Great Bank have been with them for 8 years they are very friendly staff and help you with what you need to get done. Also NEVER crowded I love it.
Laurene Glover
a year ago
Always helps and solves my banking problems.
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • 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).
Key Information
Phone
(254) 690-2274Website
Visit WebsiteMembers
2,087
Total Assets
$33.9M
Year Opened
1957
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile