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Greater Texas Credit Union

Overview
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Greater Texas Credit Union is a federal credit union based in Austin, Texas. It has been opened since 1952, for 68 years.

With around $635,240,000 in assets, Greater Texas Credit Union is considered to be a very large credit union. It has 18 branches and 16 ATM locations.

About
Address 6411 North Lamar Boulevard
Austin, Texas 78752
Website http://www.gtfcu.org
Phone (512) 458-2558
Fax (512) 458-5853
CEO Howard N. Baker
President of the Board Penny Rychetsky
Services Offered
Map
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Score Card
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68 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
70,246 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members
403:1
Credit union member to staff ratio
403 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$635,237,236
Total assets
Above average
18 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
12.96%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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18 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
Greater Texas Credit Union Branch Locations

Greater Texas Credit Union: Gtfcu
701 W. 51st Street
Austin, Texas 78751
ATM Available
Greater Texas Credit Union: Gtfcu
115 Hunters Crossing Boulevard
Bastrop, Texas 78602
ATM Available
Greater Texas Credit Union: Aggieland
2127 E. Wm J. Bryan Parkway
Bryan, Texas 77802
ATM Available
Greater Texas Credit Union: Gtfcu
1600 North Bell Boulevard
Cedar Park, Texas 78613
ATM Available
Greater Texas Credit Union: Aggieland
201 Southwest Parkway E.
College Station, Texas 77840
ATM Available
Greater Texas Credit Union: Aggieland
501 University Drive
College Station, Texas 77840
ATM Available
Greater Texas Credit Union: Gtfcu
416 S. Jackson Road
Edinburg, Texas 78539
ATM Available
Greater Texas Credit Union: Gtfcu
5425 Polk Street
Houston, Texas 77023
No ATM
Greater Texas Credit Union: Gtfcu
5305 Bingle Road
Houston, Texas 77092
ATM Available
Greater Texas Credit Union: Gtfcu
910 Road to Six Flags Street E.
Arlington, Texas 76011
ATM Available
Greater Texas Credit Union: Gtfcu
1180 Airport Boulevard
Austin, Texas 78702
ATM Available
Greater Texas Credit Union: Gtfcu
1317 Empire Central Drive
Dallas, Texas 75247
ATM Available
Greater Texas Credit Union: Gtfcu
6411 North Lamar Boulevard
Austin, Texas 78752
ATM Available
Greater Texas Credit Union: Gtfcu
6318 Callaghan Road
San Antonio, Texas 78229
No ATM
Greater Texas Credit Union: Gtfcu
11401 US Highway 290 E. Suite A.
Manor, Texas 78653
ATM Available
Greater Texas Credit Union: Gtfcu
5433 Kyle Center Drive
Kyle, Texas 78640
ATM Available
Greater Texas Credit Union: Aggieland
4340 State Highway 6 S.
College Station, Texas 77845
ATM Available
Greater Texas Credit Union: Gtfcu
329 Cheatham Street
San Marcos, Texas 78666
No ATM
Greater Texas Credit Union: Gtfcu
3635 SE Military Drive Suite 100
San Antonio, Texas 78223
ATM Available
Members
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70,246 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members

With 70,246 members, the Greater Texas Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 94% of credit unions.

Fees
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$87
Average fee per member
The average fee per member at the Greater Texas Credit Union is $87, which is high compared to most credit unions. This rate is higher than 78% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Greater Texas Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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403:1
Credit union member to staff ratio
403 per each FTE employee
Compared to 411:1 nationally
Average number of staff
174 staff members
FTE (full-time equivalent)
16% of employees are part-time
159 full-time, 31 part-time

Greater Texas Credit Union has 159 full-time staff members and 31 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 84% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Greater Texas Credit Union has around 403 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$635,237,236
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$18,956
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 90% of credit unions.

Greater Texas Credit Union holds a total of $472,680,000 in loans and leases, which is about $18,956 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Greater Texas Credit Union pays 0.05%.

Loan rates
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12.96%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.19%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.68%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.70%
New car loan rate
Compared to 4.0% nationally
3.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.27%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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