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 | Reasons To Get A Car Loan From A Credit Union
Greater Central Texas Federal Credit Union,
3305 E Elms Road
Killeen, TX 76542
Telephone: 254-690-2274
www.gctfcu.net

Reasons To Get A Car Loan From A Credit Union

21. August 2019 Administrator Blog (0)
A credit union is a not-for-profit financial cooperative that provides traditional banking services such as opening accounts and offering loans. It poses as a great option for financing a new or used car because credit union members enjoy benefits such as low interest rates, minimum loan requirements, financial advice, etc.

Listed below are reasons due to which it is highly recommended to borrow a car loan from a credit union:

  • Membership Process: The prerequisite for applying for a car loan from a credit union is that the borrower should be its member. The membership eligibility requirements are based on where a prospective member lives, works or worships. Once you find a credit union that you are eligible for, all you need to do is submit a duly filled application form with required documents and make a small deposit to open an account. Being a member of a credit union, you are eligible to apply for a loan from that credit union.
  • Low Interest Rate: Credit unions offer highly competitive interest rates on car loans. The underlying reason is that credit unions are non-profit organizations which reinvest their profits to benefit their members.
  • Quality Customer Service: Members of credit unions enjoy personalized services. They are encouraged to discuss any concerns they may have about the loan, inquire about flexible repayment options and review their financial situation with professionals.
  • Non-Sales Approach: Credit union’s aim is to offer members high quality financial products and services without focusing on profits. Instead of trying to sell a service, credit unions try to help members make the best financial decision as per their individual requirements and financial status.

Greater Central Texas Federal Credit Union offers car loans to its members. The members can apply for loans online or visit the credit union. The credit union offers other services including a variety of savings account, MasterCard, checking account, etc. Members can choose the services that match their requirements and contact the officers for understanding the terms. For more details on reasons to buy car loans from a credit union visit, 3305 E. Elms Rd., Killeen, TX – 76542.

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GCTFCU Blog | Secured Auto Loans 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

Secured Auto Loans At Greater Central Texas Federal Credit Union

11. April 2015 Administrator Auto Loans (0)
Secured auto loans are a much more convenient and affordable financing option for most people. These require the borrower to put up a personal property or asset as collateral against the loan amount. As a result, the lender gets a security against his money and the interest rates can get much lower.  In most secured auto loans, the collateral pledged is the purchased car itself.

Greater Central Texas Federal Credit Union is a renowned financial institution offering affordable secured auto loans to the people of Killeen, TX. The credit union is a non-profit organization and works solely for the benefit of their members. Greater Central Texas Federal Credit Union provides cheap auto loans but also make sure that the loan is approved in the shortest possible time.

Benefits Of Secured Auto Loans

  • The entire application process for a secured loan will take much less time as you are providing a security for the money being borrowed.
  • The rates of interests offered in secured auto loans are usually low and fixed. Thus, the monthly payments are quite low and stable through the entire loan period.
  • Since you have pledged a valuable possession for the loan, you are most likely to get 100 per cent finance for your car. Also, the expenses for the insurance and registration could also be included in the loan amount. 
  • Depending upon the value of the collateral, it is easy to get a lower interest rate on a secured auto loan. Thus, the monthly repayments will not be a financial burden and you would not need to default on your loan or lower your credit rating.
While searching for secured auto loans in Killeen, make sure you conduct a careful evaluation of the terms and policies of the ones you are considering. You must know the number of missed payments after which your car will be repossessed and if there is a penalty for the prepayment of the loan. You should also make sure you ask the lender about any discounts or extension possible in the loan period. Finally, the most important points when deciding on a secured auto loan are penalties, interest rates and affordability.

For more details about the secured auto loans offered by Greater Central Texas Federal Credit Union, feel free to call us at (254) 690 – 2274 or visit 3305 E. Elms Rd., Killeen, TX  76542.
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