Credit union · NCUA insured
GTE Financial
A $3.1B credit union, the 160th largest of 4,329, headquartered in Tampa, FL, with 233,973 members and 24 branches in Florida. Best rates: savings 0.50% APY.
GTE Financial Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#48 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About GTE Financial
Operating since 1935, GTE Financial is a credit union headquartered in Tampa, Florida.
- Headquarters
- 711 E Henderson Ave, Tampa, FL 33602
- NCUA charter
- 196
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school within specified portions of certain Florida ZIP codes is eligible for membership.
Employers and groups
- Employees of GTE Financial and their immediate family members can join.
- Employees of companies that become GTE Financial Community Partners are eligible for membership.
Family and household
- Family members of a primary member are eligible for membership.
Other ways
- Individuals can qualify for credit union membership by joining the CU Savers educational financial club.
Cost to join
- A one-time membership fee of $10 is required to join CU Savers.
Branches
24 branches in Florida
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Florida
24 branches
Tampa area · 18
- Brandon101 E Bloomingdale Ave, Brandon, FL 33511Directions
- Clearwater2168 Gulf To Bay Blvd, Clearwater, FL 33765Directions
- Palm Harbor29492 US Highway 19 N, Clearwater, FL 33761Directions
- Hudson6901 State Road 52, Hudson, FL 34667Directions
- Land O Lakes21827 State Road 54, Lutz, FL 33549Directions
- Trinity10848 State Road 54, New Port Richey, FL 34655Directions
- Plant City2201 James L Redman Pkwy, Plant City, FL 33563Directions
- Riverview11480 US Highway 301 S, Riverview, FL 33578Directions
- Seffner1209 W Martin Luther King, Seffner, FL 33584Directions
- Seminole7691 Starkey Rd, Seminole, FL 33777Directions
- Midtown St Petersburg2190 18th Ave S, St. Petersburg, FL 33712Directions
- St Petersburg4584 38th Ave N, St. Petersburg, FL 33713Directions
- Carrollwood4802 Gunn Hwy, Tampa, FL 33624Directions
- Channelside140 S Meridian Ave, Tampa, FL 33602Directions
- New Tampa20761 Center Oak Dr, Tampa, FL 33647Directions
- South Tampa4202 W Kennedy Blvd, Tampa, FL 33609Directions
- Town N Country7563 W Waters Ave, Tampa, FL 33615Directions
- Temple Terrace9380 N 56th St, Temple Terrace, FL 33617Directions
North Port area · 2
- Lakewood Ranch7375 University Pkwy, Bradenton, FL 34202Directions
- Sarasota3510 Fruitville Rd, Sarasota, FL 34237Directions
Lakeland area · 2
- Lakeland - North5320 US Highway 98 N, Lakeland, FL 33809Directions
- Lakeland - South1275 Oakbridge Pkwy, Lakeland, FL 33803Directions
Homosassa Springs area · 1
- Crystal River5700 N Suncoast Blvd, Crystal River, FL 34428Directions
Ocala area · 1
- Ocala3033 SW College Rd, Ocala, FL 34474Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.13% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.08% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.25% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalNet worth ratio11.13%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.08%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of GTE Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.