Greater Central Texas Federal Credit Union,
3305 E Elms Road
Killeen, TX 76542
Telephone: 254-690-2274
www.gctfcu.net

Benefits Of Availing Online Service Offered By A Credit Union

28. December 2017 Administrator Blog (0)
Credit unions are a favorite amongst masses due to the services and convenience they offer to their members. Not only do they offer online tools and facilities which save a member’s precious time and money but they also provide some of the best secure online services free of cost. Examples of such online services are payment of bills, banking, offering e-statements, mobile banking and so on.

Here we have listed certain benefits of availing online services of a credit union.

  • Keeping Up With Your Accounts 24/7
Availing the online banking services that credit unions offer makes it convenient and easy for members to access and manage their money at any hour of the day. There are no forms to fill, no queues, etc. Your money is just a tap away. You can also get details about previous transactions and current balance by click of mouse though online panel provided by credit union.

  • Easy Transfers
This is a person to person service which makes it easy to send and receive money securely. No need to write a check to send someone money. The Electronic Transfer service lets you carry out these transactions in less than a day’s time.

  • Fast And Secure Monthly Statements
Online services save on a lot of time by offering members the facility to access e-Statements. It becomes very easy to manage finances as per ones convenience. The e-Statements and forms are available on PC’s and smartphones. All you have to do to sign up for these statements is to log on to your credit union’s online banking account.

  • Protection Of Personal And Financial Information
With more people leaning towards transacting online, the security of one’s personal and financial information is crucial. When availing online services offered by credit unions, you are completely safe. Information of each and every member of the credit union is highly secured.

  • Timely Payment Of Bills
Credit unions offer online bill payment through which you can make quick and secure payments, anywhere and at any time. In a flick of a second, you can view your bill details, history, make payments etc. You would never forget to make important payments as Credit Unions offer you a convenient service through which you can pre-schedule them.

We, at Greater Central Texas Federal Credit Union, offer various online services to our members in Killeen, TX. For more information call us at (254) 690 – 2274.

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GCTFCU Blog | ‘Skip-A-Payment' Option At Greater Central Texas Federal Credit Union
Greater Central Texas Federal Credit Union,
3305 E Elms Road
Killeen, TX 76542
Telephone: 254-690-2274
www.gctfcu.net

‘Skip-A-Payment' Option At Greater Central Texas Federal Credit Union

11. February 2015 Administrator Auto Loans, Home Loans (0)
Borrowing money can help ease a difficult situation and bring things back to track. Personal loans like auto loan, home loan and other loans help people overcome financial crisis. However as banks usually have strict conditions along with scrutinizing terms and conditions, people often prefer a credit union to secure a loan. Greater Central Texas Federal Credit Union is a non-profit organization owned by its members and offers loans at low interest rates.

An issue that comes up with loans is its repayment. Taking out a fixed monthly payment month after month can be a nerve wrecking experience. There are many reasons that people fail to pay their monthly payments such as loss of employment, sudden unexpected medical expenditures or other expenses, which cannot be avoided. However once you miss a payment it becomes difficult to get back on track and streamline your expenses. In such situations, credit unions are very helpful as they are considerate, flexible and lenient.

Greater Central Texas Federal Credit Union have flexible terms and conditions and in certain situations, also offer relaxation to the members who have borrowed money from the union. We also offer the ‘slip-a-payment’ option that helps members pay their payments easily. The skip-a-payment option allows the borrower to skip a payment at a nominal fee. It is available for the members provided that the loan account remains in good standing. Skip-a-payment is usually available on auto loans and RV loans. This option can be availed once per year and the loan should be more than 6 months old. Mortgage loans are however often excluded from this option.

By offering ‘skip-a-pay’ option, you can easily overcome the financial crisis and skip a loan payment without affecting your credit rating. It is however, important to know that “skip-a-pay’ is a temporary option that may offer you relief for some time, but it comes at a cost. Interest still applies on your loan balance and even if you skip a payment it will extend the number of months that you may require paying off your balance.

We, at Greater Central Texas Federal Credit Union provide you attractive loans at flexible terms. We offer ‘skip-a-payment’ option for members who are unable to make a particular month’s payment. For more information, visit us at 3305 E Elms Road, Killeen, TX 76542 or call (254) 690 – 2274.
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GCTFCU Blog | Credit Union Killeen - Apply Home Loan At Low Interest Rate
Greater Central Texas Federal Credit Union,
3305 E Elms Road
Killeen, TX 76542
Telephone: 254-690-2274
www.gctfcu.net

Credit Union Killeen - Apply Home Loan At Low Interest Rate

23. April 2016 Administrator Home Loans (0)
A credit union is basically a financial cooperative that offers home loans on membership basis at very low interest rates. It is customer-centric and works towards providing benefits to the members. Moreover, there are no minimum balance requirements, very less charges and all the accounts are federally insured.

Besides providing affordable financial services, a credit union has a number of benefits to offer as far as home loans are concerned. Low interest rates and minimal or no additional charges make credit unions a suitable option to get mortgage for your home. So, if you are also looking to apply for a home loan in Killeen, read on to know the advantages that you can enjoy as a member of a credit union:

  • Customer satisfaction: A credit union is a non-profit organization which works solely for the contentment of its members and give out all the monetary benefits to their members. Therefore, in order to get a home loan from a credit union, all you need to do is become its member and fulfill the specified terms and conditions. Once you become a member of the credit union, you are entitled to get lifetime benefits.
  • Get lower interest rates: If you apply for a home loan at a credit union, you will get the advantage of paying a lower rate of interest. This eventually means higher savings in the longer run. You can also compare the interest rates offered by various credit unions in Killeen and make a decision accordingly.
  • Large network of branches: Most of the credit unions belong to larger networks and therefore have several branches as well as ATMs available for the convenience of their members. So, the clients can easily handle their financial transactions from multiple locations across the city.
  • Lower fees: A credit union offers flexibility in terms of rates and fees charged for the home loan. The aim is to keep the fees as low as possible. You will be generally paid higher yields on savings and certificates.
  • Do online transactions: You can pay your monthly home loan installments either through check or online. You can also obtain all the loan information online and make bill payments. This means you can handle your accounts conveniently from anywhere.
Greater Central Texas Federal Credit Union is a leading credit union in Killeen, TX. We offer low interest home loans with minimal paperwork and easy repayment options. For details, you can call at (254) 690 – 2274.
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