Join Our Credit Union Family!

Become a member and be part of our 90-year mission to elevate our communities throughout Texas and New Mexico.


Perks of being a member of our credit union

  • Helping your neighbor: Your deposits help fund personal1 and business loans2 with competitive rates that can help your neighbor reach their goals. Earnings from loans benefit members with competitive rates, improved technology and more.
  • Access to benefits: Members have access to competitive rates for loans, dividends on deposits, safe and secure online-account systems, 24/7 access to their money, Trustage®3 insurance offers, a 15% discount at the Team Shop inside Southwest University Park,4 and more!
  • Elevating your community: The GECU Foundation5 contributes to organizations that focus on 11 core developmental issues that act as barriers to our community’s well-being and prosperity.
  • Join the movement: Almost anyone can become a member! Find out if you can join and start making a direct impact in your community. Join now!
Rate and Balance Image

Low Introductory APR on Balance Transfers

With a GECU Empowerment Credit Card

Take a deep breath when you transfer your high-interest-rate credit card balance to a GECU Empowerment credit card. Enjoy a 1.90% introductory APR1 for the first six months on balance transfers; after the first six months, the variable rate will be 13.15%–17.90% APR.
How to Become a Member of Our Credit Union
  • What do I need to become a credit union member?
    All you need to become a member is a current, valid picture ID and $10 to open a share account.
  • How can I become a member?
  • At what age can an individual join GECU?
    Members can join at any time after birth.
  • Does my membership expire?
    Once you become a member, you’re always a member as long as you maintain your share account balance and it remains active.
  • Do I get my $10 back if I close my membership?
    If you retain your account for a period of six months, you will receive your $10 after you close your membership.
Membership eligibility is required.
1Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment credit cards only. 1.90% introductory Annual Percentage Rate (APR) is subject to qualification that is based on creditworthiness and other factors. The introductory rate is fixed for the first six billing cycles after opening the account for all purchases, balance transfers, convenience checks and cash advances. After that, the variable standard rate for purchases, balance transfers and convenience checks will apply (13.15%–17.90% APR as of October 1, 2023). The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. The introductory rate may end sooner if your payment is late. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Empowerment credit card at your GECU location or online at Introductory rate and range of rates do not apply to the GECU Rewards credit card.
2All loans are subject to approval. Commercial loans are available only in Texas and New Mexico. Other conditions apply.
3TruStage® Insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. The Auto and Home Insurance Program is issued by a leading insurance company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository institution. GECU does not endorse the organization(s) associated with the TruStage Insurance Program and, hereby disclaims any responsibility of such organization(s). GECU does not represent either the third party or the member if the two enter into a transaction.
4Limitations apply. See Team Shop for details.
5The GECU Foundation is a registered 501(c)(3) public charity established to maximize philanthropic efforts benefitting education, community programs and charitable giving. If you itemize deductions on your federal tax return, you may be entitled to claim your donation to the GECU Foundation as a charitable deduction. Please consult your tax adviser.
6Transaction fees may be charged by owner of non-GECU ATMs.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
© 2024 Mastercard. All rights reserved.
Cookies help us improve your website experience.
By using our website, you agree to our use of cookies.