Community Involvement - Volunteerism & community involvement are the two pillars of credit unions. They welcome people from various walks of society to build a strong community bond. Greater Central Texas Federal Credit Union is committed to set a spirit of solidarity within the institution and provides financial solutions at feasible prices.

Better Rates on Loans and Saving Accounts - Credit Union offer higher yields on the savings to help you achieve personal financial goals.  Since they're not focused on churning profits, they provide satisfactory returns in the form of higher interest rates on savings accounts, lower fees, lower rates on loan and credit cards.

Easily Accessible - Credit unions are tailored to meet the expectations and interests of their members. Their easy accessibility allows a member to gain economic support in a brief period of time. They pay attention on every loan application individually and try to give best possible financial solution. It is often easier to get approval for a credit from a credit union.

Democratic Voting - As a member & part-owner of credit union, you have a say in the decisions, including the selection of board members and new proposals. There are several ways one can participate & volunteer to influence the strategic management of a credit union. A credit union preserves its integrity by allowing each member to vote and participate in the elections.

Personalized Financial Service - Credit unions tend to focus on providing excellent customer service. Members of credit unions enjoy the perks of personalize attention and service. 

Financial Counselling - Credit unions often provide financial counselling led by local experts. They offer valuable advices and support to assess financial priorities of an individual and impart better understanding & knowledge of a particular service or product. A financial counsellor helps a client to take good investment decisions, thereby maximising the probability of higher returns.  

Insured by the National Credit Union Share Insurance Fund (NCUSIF), Greater Central Texas Federal Credit Union offers a wide array of services. We have been serving our community with financial needs since 1957.  With various types of saving accounts like Share Account, Money Market Accounts, Christmas Club, Vacation Club, Certificates of Deposits and Individual Retirement Account, we try to cater different financial needs and interests of our members. We grant Secured and Unsecured loans at reasonable rates. Services like Direct deposit, Payroll deduction, Notary Service, MasterCard Cash Advance, On-line access, MasterCard Gift Cards, Wire Transfer, ACH Origination, Bill Pay, ATM and automatic transfer services are available. Greater Central Texas Federal Credit Union works within the area of Bell County, Texas, west of Interstate 35.

Contact us by filling up the contact form available on our website.

Greater Central Federal Credit Union is a member-owned cooperative that strives to provide its members with affordable and convenient financial services and products. It was formed in 1957 by a group of 9 teachers who contributed money to be used by any one of them in need of finances at affordable rates. Till date, the credit union is committed towards providing the best services and lending opportunities to its members. It is insured by the NCUSIF (National Credit Union Share Insurance Fund).

The credit union provides the following loans and financial services to its members:

Credit unions offer a number of affordable and convenient investment and savings options to members. These options are useful for future expenses such as college education, retirement, vacations and more.

Let us take a look at the savings and investment options provided by Greater Central Texas Federal Credit Union:

If you are looking for convenient and affordable financial services, consider availing the services of a credit union near you. Credit unions are non-profit organizations that provide a variety of financial services and products to their members. They are committed towards providing the services at the earliest and are dedicated towards customer satisfaction. Greater Central Texas Federal Credit Union provides a wide array of affordable financial services to its members in Killeen, TX.

Listed below are the financial services and products that can be availed at a credit union:

In the pursuit of dreams and aspirations, financial support often becomes a crucial stepping stone. This is where credit unions shine. Credit unions are not-for-profit institutions, which often translates to lower interest rates and more favorable terms for borrowers. Credit union loans can be a valuable tool for achieving financial goals.

Below are methods through which credit unions contribute to goal achievement:

Competitive interest rates offered by credit unions can significantly enhance your ability to achieve your financial goals. These rates translate to cost savings and open investment opportunities, allowing you to channel more income into wealth-building ventures or asset acquisitions. Moreover, they may permit you to opt for shorter loan terms without a substantial increase in monthly payments, helping you pay off your loans faster and reach your goals more swiftly.

Besides competitive interest rates, credit union loans often come with more favorable terms, such as extended repayment periods, reduced fees, and more accessible eligibility criteria. Whether you aspire to buy a home, start a business, or pursue further education, credit unions' personalized lending solutions ensure you are well-equipped to pursue your goals.

Credit unions prioritize a member-centric approach, tailoring their services to member’s unique needs and aspirations. Their understanding of customers’ financial situation allows them to offer customized financial solutions, including loans and savings plans, that align perfectly with your objectives.

Credit unions go beyond traditional banking by providing comprehensive resources and guidance that enhance financial literacy. Financial education services offered by credit unions are instrumental in helping individuals pursue their financial goals. Through workshops and seminars, they empower members to understand essential financial concepts, from budgeting and saving to credit management and investments. 

The cooperative structure of credit unions lies at the heart of their unique approach to finance, nurturing a virtuous cycle of mutual assistance that is deeply rooted in their mission to enhance the financial well-being of members. Within this system, the savings of one member seamlessly transform into opportunities for another. 

Overdraft protection services safeguard your credit score, a vital component for major financial objectives. The service ensures financial stability and protects against unexpected expenses, enabling you to stay committed to your budget and savings plan. This peace of mind allows you to concentrate on your goals, whether they are saving for a significant purchase or building an emergency fund. 

The comprehensive range of services offered by credit unions forms a vital support system on customers’ journey. For more information, visit the Greater Central Texas Federal Credit Union, 3305 E. Elms Rd., Killeen, TX 76542, or call (254) 690-2274. 

Credit unions are more than just financial institutions; they are committed financial partners who strive to enhance the financial well-being of their members and the communities they serve. Their commitment to ethical and inclusive banking makes them a valuable resource for individuals and families looking to achieve their financial dreams. At Greater Central Texas Federal Credit Union (GCTFCU), we are committed to member empowerment and offer a wide array of financial services tailored to the unique needs of our members.

Listed below are some compelling reasons to be a member of a credit union:

When you choose credit union services, you are not just a number. At GCTFCU we offer personalized financial solutions. Our dedicated staff takes the time to understand your goals and aspirations..

Credit unions membership provides a notable advantage through lower fees and competitive rates.  They are known for their commitment to offering financial services with minimal fees. When it comes to interest rates on savings accounts, loans, and credit cards, credit unions often provide rates that are highly competitive.

Credit unions are deeply rooted in their local communities. At Greater Central Texas Federal Credit Union, we prioritize our members and the communities we serve. Our commitment to community involvement sets us apart, as we reinvest in the areas where our members live and work.

What makes credit unions unique is their member-focused ownership structure. As a part of Credit Union, members chooses the management.

Financial literacy is the key to financial empowerment. Credit Union’s offer comprehensive financial education resources and personalized guidance to help members make informed choices and plan for a brighter financial future.

Credit unions take a member-first approach, which means they prioritize the financial well-being of their members over profits. This approach often translates into more favorable loan terms, including lower interest rates and flexible repayment options.

Credit unions aim to build long-lasting relationships with their members, offering ongoing financial support and guidance.  Credit unions recognize that financial needs change over time and are there to provide guidance and support at every stage of life.

Members of a credit union enjoy a range of benefits. Credit unions not only strengthen the financial foundations of their members but also play an integral role in building prosperous and resilient communities.

For more information, visit Greater Central Texas Federal Credit Union at 3305 E. Elms Rd., Killeen, TX 76542, or call (254) 690-2274.

A credit union savings account lets you securely store your money and earn modest interest. Credit union members run these cooperatives as owners and customers, emphasizing competitive rates. At Greater Central Texas Federal Credit Union, we are more than a financial institution - we are your financial success partners. Our diverse savings accounts, including IRAs, Club accounts, Share Certificates of Deposit, and Regular Share Savings, empower your financial future.

Following is a list of the benefits of opening a savings account with a credit union:

Credit unions play a significant role in meeting the financial needs of individuals. Whether it is managing day-to-day transactions, saving for the future, or seeking financial assistance, you can count on credit unions for reliable and affordable financial services. Greater Central Texas Federal Credit Union has been providing financial services to its members for more than six decades.

Following are some of the diverse financial services offered by GCTFCU:

Owning an RV is not just about having a mode of transportation; it represents a lifestyle of freedom, exploration, and creating lasting memories. At Greater Central Texas Federal Credit Union, we strive to make the dream of RV ownership a reality by offering competitive interest rates, flexible loan terms, and a seamless loan application process. Whether you are a seasoned RV traveler or a first-time buyer, our team is committed to providing personalized assistance and finding the best financing options tailored to your specific circumstances. With our RV loans, you can embark on your RV adventures with confidence, knowing that you have the financial support of a trusted credit union behind you.

Let us look at how credit unions can help in getting an affordable RV loan: