Credit union · NCUA insured
GCTFCU Savings Rates
GCTFCU’s best savings rate is 0.10% APY on $10,000, with its Money Market Tier Accounts. Rates checked October 16, 2026.
How GCTFCU’s savings rates compare
Compared with banks and credit unions near Killeen, TX, where GCTFCU has the most branches. $10,000, best rate first.
This credit union’s best
GCTFCU
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Market Tier Accounts
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
GCTFCU savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where GCTFCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Tier Accounts
0.10%APY
Membership required: live, work or worship within the portion of Bell County, Texas, west of Interstate 35.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.10% | — |
| $10,000 – $24,999 | 0.10% | $10 |
| $25,000 and up | 0.20% | — |
Sources (3)
All captured Sep 17, 2026
Share Savings Account
0.10%APY
Must live, work, or worship within Bell County, Texas (west of Interstate 35). Requires 2 forms of ID. $5.00 opening fee, $20.00 to remain in account to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and upMinimum $20 + $5 fee to open and earn dividends.$20 and up | 0.10% | $10 | Minimum $20 + $5 fee to open and earn dividends. |
Sources (4)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
0.50%APY
Available if you work and are under age 70 1/2. Offers variable rate Traditional and Roth IRAs. Must live, work, or worship in Bell County.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate.Any balance | 0.50% | $50 | Variable rate. |
Sources (4)
All captured Sep 17, 2026
Who can join GCTFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.