MILITARY, MEMBERSHIP AND RESOURCES

Helping You Reach Your Financial Goals

When you join GECU1 as a military service member, Veteran or family member, you can take advantage of our financial products, services and military-focused initiatives, no matter where you are currently stationed or reside.

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How we support and assist our military service members

  • Supporting U.S. Armed Forces: GECU recognizes and supports the U.S Armed Forces through various community events, sponsorships and organizations, such as GECU American Heroes at El Paso Chihuahuas.
  • Remote access to our products: GECU has the tools and resources that you need whether you’re actively serving in the U.S., stationed overseas, a Veteran or a family member.
  • Early direct deposit2: Military and other government entities receive their payroll direct deposit a day early with GECU.
  • VA Home loans: Have your home loan guaranteed by the Department of Veterans Affairs (VA).3

Military Tools and Resources

24/7 Account Access

Have convenient access to your accounts anywhere, anytime.
Have convenient access to your accounts anywhere, anytime.

BEST FOR: Members who want easy access to their finances.


  • Receive your payroll direct deposit a day early
  • Account access with GECU Online Banking and the GECU Mobile App4
  • Send and receive money from family and friends with Zelle®5
  • Withdrawals at surcharge-free ATMs worldwide6
  • Make your GECU loan payments online or through an external account

Checking and Savings Accounts

Enjoy everything that our checking and savings accounts have to offer!
Enjoy everything that our checking and savings accounts have to offer!

BEST FOR: Members who want a checking and savings account that’s completely designed for their daily life.


  • A GECU checking account7 gives you 24/7 access to your money with a debit card.8 Plus, enjoy Mastercard® Zero Liability!9
  • Security alerts10 and fraud-prevention tools
  • Accomplish more with the tools and support of GECU’s savings accounts1

Credit Cards and Loans

Finance everyday purchases or life events with GECU credit cards or loans.
Finance everyday purchases or life events with GECU credit cards or loans.

BEST FOR: Members looking for a loan or credit card that fits their needs.


  • Get any new, used, hybrid or electric car of your dreams with a GECU Auto Loan11 — financing is available for any U.S. auto purchase
  • Choose a GECU credit card with a low introductory rate or one that gives you bigger rewards
  • We offer VA home loans12 that come with competitive rates, flexible terms and affordable payments
  • You can get a GECU Personal Loan13 for anything from car mishaps to home projects
  • We have the commercial loan14 solutions to help you improve and grow your veteran-owned business

VA Home Loans

This loan is guaranteed by the Department of Veterans Affairs (VA).
This loan is guaranteed by the Department of Veterans Affairs (VA).

BEST FOR: Current military service members, Veterans and eligible surviving spouses.


  • No Private Mortgage Insurance (PMI)
  • You may qualify for no down payment
  • Enjoy competitively low interest rates, flexible terms and affordable payments

Servicemembers Civil Relief Act (SCRA)

GECU can answer your questions to see if you qualify for the SCRA.
GECU can answer your questions to see if you qualify for the SCRA.

BEST FOR: Members who want to take advantage of the benefits that SCRA offers.


  • Active-duty military service members may be eligible for legal and financial protection
  • Possible qualification of SCRA benefits, such as interest rate limitations on all qualifying loans obtained prior to meeting the requirements of military service while being in active duty

Military Support and Appreciation

GECU is involved with the following military-affiliated organizations:
GECU is involved with the following military-affiliated organizations:
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Join our Credit Union Family

Become a member and be part of a movement that helps the communities that we serve. Plus, we can help you achieve financial well-being with products, services, financial education and more. Join online today!
We’re Here to Answer Your GECU Membership Questions
  • How can I become a member or open an account with GECU?
  • I am going to be overseas. What should I do to prepare financially?
    GECU has the necessary tools and resources that can help you prepare for any financial need. Set up an appointment with one of our financial coaches by calling 915.774.2160.
  • Can my family join GECU?
    Yes, your family can join GECU. They can open their own accounts or you can add them to yours.
  • How can I access my accounts if I’m stationed outside of Texas and New Mexico?
    You can conveniently access your accounts, send or transfer money, and make credit card or loan payments through GECU Online Banking and the GECU Mobile App — you can also make withdrawals at 80,000+ surcharge-free ATMs nationwide.5 If you have a GECU debit or credit card, you can use it anywhere that Mastercard is accepted.
  • Where can I make a loan or credit card payment?
    You can make your payments by logging in to your GECU Online Banking or mobile banking account, or by calling toll-free at 1.800.772.4328.
  • How can I make a loan payment from another bank account?
    Web portal payments can be made with a credit or debit card. To use this service, you’ll need to create an online account. To make your payment, you’ll need your member number, your date of birth and the last four digits of your Social Security number. There is a $5 convenience charge for this service.

    Pay-by-phone payments can be made using a touchtone phone. You’ll need your loan number and ZIP code to make your payment. There is a $5 convenience charge for this service. Please call toll-free at 1.800.772.4328, and press 2 to make a payment by phone.

    You can set up a recurring payment from the account of your choice. There is a one-time charge of $5 for this service through the web portal. If you stop the recurring payment and set it up again at a later date, you will need to pay the convenience charge again.

    If you’d like to make a payment from an account at another financial institution through a GECU Contact Center representative, there is a $15 charge for each transaction.
  • I am having issues with being able to pay my loan on time while I’m on active duty. What can I do?
    The Servicemembers' Civil Relief Act (SCRA) postpones or suspends certain civil obligations to enable service members to devote their full attention to duty and relieve stress on their families. It covers all active-duty service members, reservists, and members of the National Guard while on active duty. For additional information, visit the Department of Justice.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
© 2023 Mastercard. All rights reserved.

1Membership eligibility is required.
2Early access to direct deposit funds is subject to when GECU receives notice of payment from the payer. Early access to direct deposit funds is not guaranteed, may be stopped at any time, and may vary between pay periods.
3VA loans are offered to qualified borrowers who are serving or have served in the United States Armed Forces. Other conditions apply.
4Data service charges may apply through the wireless carrier.
5U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
6Transaction fees may be charged by owner of non-GECU ATMs.
7Must have a GECU share account to open a checking account.
8Debit card is available with checking accounts. Certain fees and conditions apply.
9Under Mastercard® Zero Liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us; otherwise, your liability will be determined by the GECU Terms and Conditions.
10Standard text-messaging and data rates may apply through the wireless carrier.
11All loans are subject to approval. Rates and terms are based on vehicle year and borrower’s credit qualifications, and are subject to change. Promotional rates and refinancing do not apply to existing GECU loans. Other conditions apply.
12All loans are subject to credit qualification and approval. The property must be located in Texas or New Mexico. Certain fees and conditions apply.
13All loans are subject to credit qualification and approval. Other conditions apply.
14All loans are subject to approval. Commercial loans are available only in Texas and New Mexico. Other conditions apply.
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