Gte Federal Credit Union

Headquarters

711 E Henderson Ave
Tampa, FL 33602
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.75%	5.50% →
1-Year CD	4.33%	4.65% →
2-Year CD	3.76%	4.25% →
5-Year CD	3.30%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Gte is an NCUA insured institution located in Tampa, FL. It was founded in 1935 and has approximately $2885.4 millions in assets.

Who can join?

Family members eligible for membership include the spouse, child, parent, brother, sister, stepparent, stepchild, grandchild, or grandparent of the primary member.

Any business can apply to join as a GTE Financial Community Partner.

If you or an immediate family member works for a Community Partner of GTE Financial, you can join.

Anyone who lives, works, worships, or attends school within the following zip codes is eligible for membership: Portions of 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33610, 33619.

You can join GTE Financial through our non-profit educational financial club, CUSavers.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 196
Date Established	1935
Assets	$2,885.40 million
Loans	$2,357.30 million
Deposits	$2,528.53 million
Capital	$328.52 million

Field of Membership Restrictions

Membership in GTE Financial is open to anyone through joining CUSavers ($10 one-time membership fee). Membership is also open to those who live, work, attend school or worship in select areas of zip codes 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33610, and 33619 in the Tampa area.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.75%	$100	-	Learn More Reviews
Money Market	0.40%	$0	$2,499	Learn More Reviews
Money Market	0.50%	$2,500	$9,999	Learn More Reviews
Money Market	0.65%	$10,000	$49,999	Learn More Reviews
Money Market	0.80%	$50,000	$99,999	Learn More Reviews
Money Market	1.06%	$100,000	$249,999	Learn More Reviews
Money Market	1.57%	$250,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Months	3.04%	$500	-	Learn More Reviews
Jumbo 6 Months	3.30%	$100,000	-	Learn More Reviews
12 Months	4.07%	$500	-	Learn More Reviews
Jumbo 12 Months	4.33%	$100,000	-	Learn More Reviews
18 Months	3.82%	$500	-	Learn More Reviews
Jumbo 18 Months	4.07%	$100,000	-	Learn More Reviews
24 Months	3.51%	$500	-	Learn More Reviews
Jumbo 24 Months	3.76%	$100,000	-	Learn More Reviews
30 Months	3.30%	$500	-	Learn More Reviews
Jumbo 30 Months	3.56%	$100,000	-	Learn More Reviews
36 Months	3.25%	$500	-	Learn More Reviews
Jumbo 36 Months	3.51%	$100,000	-	Learn More Reviews
48 Months	3.14%	$500	-	Learn More Reviews
Jumbo 48 Months	3.40%	$100,000	-	Learn More Reviews
60 Months	3.04%	$500	-	Learn More Reviews
Jumbo 60 Months	3.30%	$100,000	-	Learn More Reviews

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Gte

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More
NMLS ID: 491986						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Gte
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Gte branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Gte Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Ocala 200	747.52	A	View Lobby Hours
Hudson	803.75	B	View Lobby Hours
Trinity	813.45	C	View Lobby Hours
Land O Lakes	814.00	D	View Lobby Hours
New Tampa	815.43	E	View Lobby Hours
Carrollwood	823.35	F	View Lobby Hours
Palm Harbor	823.85	G	View Lobby Hours
Temple Terrace	824.70	H	View Lobby Hours
Town N Country	825.02	I	View Lobby Hours
Lakeland	828.08	J	View Lobby Hours
Plant City	828.37	K	View Lobby Hours
Seffner	828.61	L	View Lobby Hours
Ybor	829.76	M	View Lobby Hours
Headquarters	829.88	N	View Lobby Hours
Downtown Tampa	830.53	O	View Lobby Hours
South Tampa	831.29	P	View Lobby Hours
Brandon	834.76	Q	View Lobby Hours
Seminole	837.54	R	View Lobby Hours
St Petersburg	840.08	S	View Lobby Hours
Midtown St Petersburg	843.85	T	View Lobby Hours
Sarasota	872.73	U	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

GTE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Gte Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gte. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Gte	U.S. Average
6.35%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Gte had $19,690,090 in non-current loans and $2,213,807 in owned assets. To cover these potential losses it had $328,517,487 in net worth and $16,300,701 in loans loss reserves. That gives it a Texas Ratio of 6.35%.

Net Worth

Gte	U.S. Average
11.33%	13.93%

Gte FCU has a net worth of 11.33% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Gte

Run Away As Fast As You Can

August 15, 2019 |

Online CDs 60 Month Rates

I applied for a jumbo CD account over two weeks ago. They asked me for more documentation than my mortgage company did and then they did a hard credit pull. They advertise fast and simple they are simply not. I’ve provided everything (my drivers license, social security card, complete bank statement, picture of my debit card and a copy of my utility bill) and the account still isn't open. Absolute worst customer service ever.

Is this review helpful? Yes:4 / No: 1