Tools & Resources

We offer a variety of tools and resources to help you manage your finances efficiently and make the right choices. For your convenience, this section of our site offers everything from frequently asked questions and loan calculators to information about debit cards, protection services, and much more.

Tools

  • ATM Cards

    If you have a savings account with us, you can apply for an Automated Teller Machine (ATM) card.

    Your ATM card gives you the convenience of making withdrawals from your savings account at a wide network of ATMs 24 hours a day, 7 days a week.

    With our ATM cards, there is no monthly service charge, and you receive a detailed record of your transactions on your statement. A small fee, to cover each out of network transaction, will be charged to your account. Any transaction fees can be avoided by visiting a Gulf Credit Union ATM. Find a surcharge-free ATM near you.

    Call 409-963-1191 or 800-448-5328 or visit one of our locations to apply.

  • Travel

    If you are traveling within the U.S., we have a couple of travel-friendly products and services for you.

    • Shared Branching available for your convenience.
    • Books of bound one dollar bills, which are great to use for items and services such as tip money or cab fare. You can purchase books of $25 or $50.

    To help us limit any financial interruptions during your travel - whether you’re planning to travel abroad or within the U.S. - please contact us so we know your account will be affected by out of town transactions. Call 409-963-1191 or 800-448-5328 and ask to speak with one of our member service representatives.

  • MasterCard® Debit Card

    Use your MasterCard® Debit Card instead of writing a check to make purchases. You can also use it to obtain cash at any ATM displaying the Cirrus, Pulse, or MasterCard® logo. Each purchase or cash withdrawal is automatically deducted from your Gulf Credit Union checking account and itemized on your statement.

    You can use your MasterCard® Debit Card surcharge-free at any ATM with the co-op logo nationwide. Find a surcharge free ATM near you.

    For lost or stolen MasterCard® Debit Cards, please call:

    • 888.241.2510 (if calling within the U.S.)
    • 909.941.1389 (if calling outside the U.S.)

    To provide additional security to our debit cards, Gulf Credit Union now offers EMV MasterCard® Debit Cards. Please visit the Cards With EMV Chip Technology section of the FAQs for more information.

  • Go Green Services

    You can "go green" by using the following services:

    • E-statements
    • MasterCard Debit Card
    • Free online bill pay
    • MasterCard™ credit cards
    • Online Financial Center
    • Direct deposit
    • Online loan application
    • Home banking
    • ATM locator
    • Mobile banking
  • Cashier's Checks

    For your convenience, we offer cashier’s checks. This is a safe and convenient alternative to withdrawing large amounts of cash. Gulf Credit Union offers checks signed by an authorized signer to guarantee funds.

    If you are a member who is 55 years and older, there is no charge for up to five (5) cashier’s checks.

  • Wire Transfers

    Do you need to send money in a hurry? Gulf Credit Union can do wire transfers from your credit union account to an account at another financial institution. Funds can be wired safely and easily on the same day the transaction is initiated. Wire transfers may be requested in person, by phone, or by mail. There is no charge for incoming wires.

    Please visit our Rates and Fees section for more information about domestic and international outgoing wire transfer fees.

  • Protection Services

    Overdraft Protection

    Sign up for one of our overdraft protection options and avoid having checks returned. You can have funds transferred from your savings, checking, cash management, pre-approved line of credit, or other qualified accounts.

    To find out how you can apply for any or all of these time-saving services, email us; call one of our member service representatives at 409-963-1191 or 800-448-5328; or visit the Gulf Credit Union location nearest you.

    Stop Payment

    Your security and peace of mind are very important to us. Gulf Credit Union can perform a stop payment - at your authorized request - of a check or an electronic withdrawal drawn on your checking account. Stop payments are executed on the spot, so there’s no waiting period for the hold to take place.

    Stop payment requests may be taken over the phone, if you have qualified yourself properly with our Member Service Department. You can also request a stop payment by visiting one of our locations. For security purposes, member verification is required and a fee will be debited from your checking account to make a stop payment. Call our office at 409-963-1191 or 800-448-5328 for more information.

    Notary Public

    Need a document notarized? No problem. An authorized notary officer is available at all Gulf Credit Union office locations to sign and seal official documents. You will have peace of mind knowing that forms are completed in a legal and accurate manner. There is no service charge for GCU members. We also have employees who can guarantee signatures for member documents.

    Night Depository

    We have convenient night depository drops at all of our locations. The drops are located in the drive-thru section in the first lane. Call us at 409-963-1191 or 800-448-5328 if you have any questions or concerns.

  • Payment Protection

    Sign up for Payment Protection through Minnesota Mutual when you sign for your loan. As a credit union member, you and your family can have the valuable financial protection you need when you take out a loan. Premiums for the coverage you select are reasonable. In fact, when you compare the cost of Payment Protection with the benefits offered, you’ll find the coverage well worth it.

    Payment Protection can:

    • Reduce your financial burden and protect your family
    • Protect your income, collateral, and credit rating
    • Provide coverage at home and at work
    • Give you peace of mind

    Plan Benefits

    It’s reassuring to know that not only your family can be financially protected, but your collateral and your income can be protected with Payment Protection and Death Benefit. In the event of your death, Payment Protection pays the insured balance of your loan, up to the policy maximum. Should you become totally and continuously disabled by a covered sickness or accident that persists beyond the policy waiting period, your loan payments are protected.

    Qualifications

    To qualify for Payment Protection:

    • You must have not reached the maximum eligible age on the date of your loan;
    • You must be actively at work and regularly performing all of the usual duties of a full-time, gainful occupation; and
    • Only one member may be insured for any one loan.

    If a member is not working at the time of the advance, the statement of good health applies.

    Eligibility, exclusions, benefits, and termination vary according to Gulf Credit Union’s master contract, which is controlling in all instances. Be sure to consult a loan officer at Gulf Credit Union for complete details.

    Sign Up

    Applying for Payment Protection and Death Benefit is simple. Talk with a loan officer today. The sooner you enroll, the sooner you’ll have this important financial coverage working for you and your family.

    Cost

    Coverage costs just pennies a day. Premiums can be added to your monthly loan payments for your convenience.

Resources

  • Calculators
    • Auto Loan - Use this calculator to help you determine your monthly car loan payment or your car purchase price.
    • Credit Union vs. Dealer Financing - Use this calculator to help you compare financing between your credit union and low interest dealer financing.
    • Mortgage - Use this calculator to generate an estimated amortization schedule for your current mortgage.
    • Credit Card Payoff - Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
    • Savings - This calculator demonstrates how to put this savings strategy to work for you.
  • Disaster Information

    We know the event of a disaster or evacuation can be very stressful, and that is one of the reasons Gulf Credit Union is well-equipped with a disaster plan. The purpose of this plan is to help ensure you receive minimal disruptions in the event of a disaster or evacuation. This proactive plan is designed so we can return to “normal” operations in an efficient and timely manner. This plan is also helps you know your money is safe and that you will be able to access your funds with minimal or no interruptions in the event of a disaster/ evacuation.

    We will keep you updated on the situation at hand, by placing updates on our website (GECU.org) as information becomes available.

    Available Resources

    • Gulf Credit Union surcharge free ATMs
    • All Gulf Credit Union locations
    • All Shell Fastlane locations—Beaumont, Groves, Lumberton, Nederland, Port Arthur, Winnie and Vidor
    • Wal-Mart—Orange, Lumberton and Jasper
    • All ATMs displaying the Co-op Logo Nationwide
    • Shared Branching is a free service that Gulf Credit Union has partnered with Credit Union Service Centers to give you access to your GCU account at thousands of locations across the country. There are 340 locations in the state of Texas. This service will allow you to conduct transactions just as if you were at one of our Gulf Credit Union locations. Log on to www.cuservicecenters.com to locate participating CU Service Centers.

      You can conduct a range of transactions, such as:

      • Deposits
      • Withdrawals
      • Loan payments
      • Make transfers between accounts
      • Purchase money orders, travelers checks and official checks*

      To take advantage of this service, when you enter a shared branch you only need to bring:

      • Your home credit union's name
      • Your account number
      • Valid government-issued photo identification, i.e., State Driver’s license, US Passport
    • 24/ 7 Call Anytime Teller (CAT) available in English and Espanol, 409.963.1432
    • After we have been declared an emergency, we will operate from our Disaster Recovery Center (DRC). While operating from the DRC, scheduled payments thru our FREE online bill payment system will be completed.
    • ACH Direct Deposits will continue to post as they are received
    • For inquiries, transfers or wires, please call 800.448.5328 or 409.963.1191

    Financial Plan

    In addition to the physical preparations, such as developing an evacuation plan, packing essential items such as clothes, food, medications, tools, etc., it’s also very important you have a financial plan. The following is a list of suggestions for proactive steps you can take to help ease your stress in the event of a disaster/evacuation.

    1. Make sure you have enough cash available.Withdrawal a sufficient amount of cash from your GCU account to cover travel and other costs incurred for an extended period of time.
    2. By having a MasterCard® Debit Card from Gulf Credit Union, you will be able to access your cash from any ATM displaying the Co-op Logo Nationwide. If you don’t already have a MasterCard® Debit Card, you may order it and receive your card the same day at our Groves Location, or you may receive your card next day at our Beaumont, Bridge City and Mid County Locations. Your MasterCard® Debit Card will give you access to your checking account at the point of purchase, but will allow you to access both your checking and savings accounts at ATMs.
    3. Consider using a credit card. While out of town, several places may not take “out of town” checks and you may not want to carry a lot of cash that is easily accessible while you are away. A credit card can help with items such as fuel for your vehicles, hotel rooms, food, and whatever else you may need during your time away.
    4. Make sure you have a list of Gulf Credit Union access numbers and website handy. Please print any information from our website you feel would be useful in the event of a disaster/evacuation.
    5. Make sure your information that we have on file, such as your e-mail address and your mailing address, is correct.

    Hurricane Checklist

    Remember, these are suggestions as to what you should bring. Gulf Credit Union is not responsible for any items that are not included in the supply checklist. If you feel something is not on the list that you should bring with you, please make sure it is included in your personal hurricane supply list.

    You may also print your free hurricane tracking chart at: www.nhc.noaa.gov/tracking_charts.shtml

    Resourceful Websites

    Gulf Credit Union is not responsible for anything incurred during contact with a third party group/ website. The links and information included in our website are intended as recommendations and tools for your use.

  • Entertainment Discounts

    Schlitterbahn

    Use the following information to get your discount:

    • 2017 Code: 201700158

    Wet'n'Wild SplashTown

    • Use the following login information:
      • Username: Gulf
      • Password: Gulf2017

    SeaWorld San Antonio

  • Member Financial Education

    At Gulf Credit Union, we believe in providing helpful financial information for our members. Please take a look at the free resources that we offer to assist our members in making responsible financial decisions.

    Click here to access Member Financial Education resources.