Credit union · NCUA insured
Gulf Coast Educators Federal Credit Union Credit Card Rates
Top CarrotGulf Coast Educators Federal Credit Union credit cards start at 7.24% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Gulf Coast Educators Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Gulf Coast Educators Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Gulf Coast Educators Federal Credit Union
7.24%APR
- Annual fee
- None
- Up to
- 17.24% APR
Texas Educators Rewards Credit Card
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
Gulf Coast Educators Federal Credit Union credit card score
95
Credit card score
Higher than 98% of U.S. banks and credit unions
- Purchase APRPurchase APR7.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gulf Coast Educators Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Texas Educators Rewards Credit Card
No Annual Fee or application fee. 0% Introductory APR for first 6 months on new purchases for a new card, then variable APR based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% Introductory APR on all new purchases to a new GCEFCU credit card for six months from date of opening; not valid for balance transfers or cash advances. |
| Ongoing | 6.99%–16.99% | None | Base APR is 10.24% (or 8.74% on rates page). Standard purchase variable APR ranges from 6.99% to 16.99% based on creditworthiness and varies with the market based on the Prime Rate. |
Visa Classic
No Annual Fee or application fee. 0% Introductory APR for first 6 months on new purchases for a new card, then variable APR based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% Introductory APR on all new purchases to a new GCEFCU credit card for six months from date of opening; not valid for balance transfers or cash advances. |
| Ongoing | 8.99%–18.00% | None | Base APR is 12.24% (or 10.74% on rates page). Standard purchase variable APR ranges from 8.99% to 18.00% based on creditworthiness and varies with the market based on the Prime Rate. |
Visa Rewards
No Annual Fee or application fee. 0% Introductory APR for first 6 months on new purchases for a new card, then variable APR based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% Introductory APR on all new purchases to a new GCEFCU credit card for six months from date of opening; not valid for balance transfers or cash advances. |
| Ongoing | 9.99%–18.00% | None | Base APR is 13.24% (or 11.74% on rates page). Standard purchase variable APR ranges from 9.99% to 18.00% based on creditworthiness and varies with the market based on the Prime Rate. |
Who can join Gulf Coast Educators Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Gulf Coast Educators Federal Credit Union are eligible for membership.
Military, government and schools
- Employees who work regularly in the Educational Industry in the state of Texas, or who have retired as pensioners or annuitants from such employment, are eligible for membership.
Family and household
- Immediate families or households falling within the eligibility chart, as well as surviving spouses of persons who died while within the field of membership, are eligible for membership.
Membership information collected October 5, 2026.