Home & Auto Loans, Credit Cards

You must be a GECU member (or meet eligibility requirements) and be at least 18 years of age to submit an application.

When requesting a loan for the purpose of postsecondary education expenses, additional disclosures and extended funding times may apply.

Auto Loan Pre-Approval	You'll receive pre-approval for the maximum dollar amount you qualify for a vehicle.
Auto Loan Purchase	If you've already selected your vehicle and know how much you need to borrow, choose this loan option.
Auto Loan Refinance	To transfer your existing auto loan to GECU from another lender, select this option. (Existing GECU loans cannot be refinanced.)
Personal Loan	Apply for a Personal Loan when you need cash for a variety of purposes: vacation, car repairs, medical emergencies, etc.
Platinum MasterCard Credit Card	Why pay more than you have to for a credit card? A GECU Platinum MasterCard comes with no annual fee, 25-day grace period on purchases, low monthly payments, no cash advance fees and ATM access worldwide and you have two designs to choose from! GECU Platinum MasterCard Agreement: The current credit card agreement and pricing information for open GECU Platinum MasterCard accounts may be viewed here. For all other agreements, requests may be submitted by calling 915.778.9221 or by signing on to SmartBranch, clicking on Email/Chat and submitting the request. Platinum Card Member Benefits Platinum Smart Shopper Guide to Benefits
Fully Secured Loan	Secure your loan with a CD/Savings at a low rate. Funds must be on deposit and available. (Checking accounts, IRAs and Christmas Club deposits cannot be considered for this type of loan.)
Home Improvement Loan	To apply for this loan, the property must be your primary residence and located in the U.S. within a 150-mile area of El Paso County. If your primary residence is a mobile home, contact GECU at 1-800-772-GECU. The amount requested for this type of loan should be $18,000 or less.
Household Goods Loan	Finance the purchase of new household goods (furniture, computers, appliances, and electronic equipment, etc.) with this loan.
Debt Consolidation Loan	Save time and money with a GECU debt consolidation loan. You'll have one convenient and affordable payment each month.
Motorcycle Loan Purchase	If you've already selected your vehicle and know how much you need to borrow, choose this loan option.
Motorcycle Loan Refinance	To transfer your existing auto loan to GECU from another lender, select this option. (Existing GECU loans cannot be refinanced.)
Motorhome, Travel Trailer or Fifth-Wheel Loan	Finance the purchase of a new or used motorhome, travel trailer or fifth-wheel with this loan. May also be used to transfer your existing loan to GECU from another lender. (Existing GECU loans cannot be refinanced.)
Recreational Vehicle Loan	Finance the purchase of a new or used camper or off-road recreational vehicle, such as an ATV or four-wheeler, with this loan.
Water Recreational Vehicle Loan	Finance the purchase of a new or used boat or water sport vehicle, such as jet ski, with this loan.
Mortgage Loan	Whether you're buying your first home or moving into a larger home, GECU's wide range of mortgage loans can help you make your dreams come true.

Current Rates

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you.

When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying information.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. To receive a copy of these data send a written request to:

GECU
Attention: Mortgage Department
P.O. Box 20998
El Paso, TX 79998

Note: The products on this page are not insured by NCUA.