• Checking Account: Members can open checking accounts with the credit union to avail facilities like free and unlimited check writing, ATM transactions, VISA Debit transactions and the convenience of E-Statements. Members above 55 years of age can open a Golden Apple Checking Account that offers benefits like no minimal daily balance requirement.
• Low Interest Loans: The credit union offers secured loans for new & pre-owned vehicles at competitive rates to its members. Also, members can apply for unsecured loans at a low Annual Percentage Rate (APR).
• MasterCard: Members of the credit union are also entitled for regular MasterCard, Gold MasterCard and Platinum MasterCard. The cards are offered at fixed rates and no annual fee is charged.
• Savings Accounts: Greater Central Texas Federal Credit Union offers a variety of savings accounts to its members. Some of these include Tiered Money Market accounts, Vacation and Christmas Club, Certificates of Deposit and Variable Rate IRA’s.
• Electronic Services: Members can sign up for online access to their accounts. This allows them to monitor their accounts and make transactions anytime for convenient banking experience. By signing up for electronic services, they can pay their bills online with Bill Pay + at a minimal monthly cost. The electronic services are offered free of cost to members above 55 years of age. These services equip members to make MasterCard payments using their phone or computer through internet. To initiate the service, members can call the Card Services at the number provided on the credit union’s website.
• Other Services: In addition to the above-mentioned products and services; the credit union also provides services like check reordering, an online loan calculator, payroll deduction, direct deposit, wire transfer, ACH origination, ATM services, MasterCard cash advance, MasterCard gift cards, notary service and more.

More and more prospective homebuyers are relying on credit unions for home loans these days, as the credit unions offer a variety of plans and benefits to the members. Besides competitive rates, the credit unions offer low closing costs and their loan programs are ideal to meet typical financial needs. Here are some reasons that make credit unions a good source for home loans in Killeen TX.

• Better Chances of home approvals: It is a fact that the credit unions are more considerate towards you as a member. They listen to your reasons and offer a quick approval. Even if you had problem with your credits in the past, credit unions are ready to make adjustment in the loan terms for the members.  This definitely is one of the major reasons that people seek loan from credit unions now a days.
• Lower rates of interests: The major reason that people are counting on credit unions for their home loans is lower rate of interests. Besides lower banking fees, they require lower balance. This makes them the first choice of union members who want to apply for home loan, or any other loan.
• Personalized service: Credit unions are members oriented. They are nonprofit organizations that help the members for the growth of the community. The aim of a credit union is to provide members with quality customer services. As, all the decisions are made by the volunteer board members, so they have a personalized approach. You can easily tell them your concerns about your loan and flexibility that you desire in your payment options. The credit unions often consider your issues and work with your best interests in focus.
• Low closing costs and time: Getting home loans from credit unions involve less paper work and bureaucratic formalities. It takes less time to get the loan from the credit union and it involves low closing costs.
• Guidance: The credit unions have their resource centers where you can get all the required information regarding your home loan. The guides available there at the center help you take better decisions. Whether you have already taken a loan or applying for the first time, you can get reliable answers to your queries here.
• Non-profit: The credit unions have non-sales approach, as they do not work for profits. The unions work for the advantage of members and are not driven to make profit by selling anything. Their all profits return to the members in the form of lower rates