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 Refinance	To transfer your existing auto loan to GECU from another lender, select this option. (Existing GECU loans cannot be refinanced.)
Auto Loan Purchase	If you've already selected your vehicle and know how much you need to borrow, choose this loan option.
Overdraft Protection	Enjoy peace of mind and save money with this convenient personal line of credit on your checking account for overdraft protection.
Personal Loan	Apply for a Personal Loan when you need cash for a variety of purposes: vacation, car repairs, medical emergencies, etc.
Ready Credit (Line of Credit)	A convenient way to get money when you need it with a pre-determined line of credit. Once approved, you can easily access it through SmartLine, SmartBranch, or SmartCall.
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 915.774.6809 or by signing on to SmartBranch, clicking on Email/Chat and submitting the request.
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 $15,000 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.
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

 

Loan Payments

For your regular Installment loans, please mail them to: GECU P.O. Box 981197 El Paso, TX 79998-0998

For your Mortgage payments, please mail them to: GECU P.O. Box 981529 El Paso, TX 79998-9951

For your GECU MasterCard Platinum payments, please mail them to: GECU P.O. Box 672051 Dallas, TX 75267-2021

 

 

Credit Life Insurance

Optional, low-cost Credit Life Insurance is available on all GECU loans except Mortgage Loan products. This coverage insures loans up to $75,000 with repayment terms of 240 months or less. In the event of your death, your loan will be marked "paid in full," relieving your family or co-signer of your debt.

Credit Life Insurance is available to members who meet the "working member" requirement. Single and joint coverage is available. You may purchase this insurance at the time you originally borrow the money or you may add it at a later date. Premiums are calculated based on the outstanding loan balance each month and then added to the loan.

Benefits are applied directly to the insured loan balance(s) and finance charges stop accruing on the member's date of death. Maximum age limit is 70.

Credit Disability Insurance

In addition, low-cost Credit Disability Insurance is also available for the primary member applying for the loan. The maximum coverage is $75,000 per loan. The maximum disability payment per loan is $1,100 per month, up to 120 months.

This optional protection is available if you are working for wages or profit at least 25 hours a week. Benefits begin on the 15th day of disability and continue until you return to work, the maximum term of 120 months has expired, or your loan is paid in full. The low monthly premium is calculated based on the outstanding loan balance each month and then added to the loan. Maximum age limit is 66.

Important Information About Opening New Accounts

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.