At a glance
From its website, read 3 Nov 2026GECU Federal Credit Union is a credit union based in El Paso, Texas. Its website describes auto loans, commercial real estate loans, equipment loans and 4 other loan types. Where it lends: Texas and New Mexico. The consumer loan APR it states is 11.05%. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (915) 774-4750 source |
|---|---|
| Toll-free | (800) 772-4328 source |
| Apply online | Page with the application link |
| Website | www.gecu.com |
| Office (official list) | 1225 Airway, El Paso, TX 79925 |
What their website says about applying
We recommend getting prequalified for your financing at the very beginning of your home search.
sourceTwo most-recent W-2s
sourceYou should prepare to bring your business financial statements, such as a balance sheet, income statements and others.
sourceApply to get preapproved for an auto loan
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 3 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate: 11.05% APR | 60 monthly payments of $21.85 per $1,000 borrowed at 11.05% APR. | source |
| Auto / vehicle loans | Term: see their wording | affordable payments and terms up to 84 months. | source |
| Home repair / improvement loans | Term: see their wording | 109 to 120 months | source |
| Personal / consumer loans | Term: up to 10 yr | Up to 120 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Membership eligibility is required
source - Collateral flexible or not always required
No collateral
source - First-time homebuyer program
Yes, we offer loan programs to help you become a homeowner.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 31 Mar 2014 |
| RSSD ID | 364690 |
| Address | 1225 Airway, El Paso, TX 79925 Directions (Google Maps) |
| Website | www.gecu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 3 Nov 2026Read from 12 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Membership is required for loans, and personal and auto loan amounts were not stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Yes, GECU offers vehicle loans for used and new cars as well as trade-ins. | source |
| Commercial real estate loans | from $50,000 | Investment property loans start at $50,000 | source |
| Equipment loans | — | , equipment loans, | source |
| Home mortgages | — | Complete our simple application today for our mortgage loans with competitive rates. | source |
| Personal / consumer loans | — | APPLY FOR A PERSONAL LOAN | source |
| SBA-backed loans (7(a)/504/Community Advantage) | up to $5M | An SBA 7(a) is a small business loan designed for business owners looking to acquire an existing business, buy out a partner, expand, move to a new location, purchase real estate or purchase equipment up to $5 million. | source |
| Small-business loans | from $50,000 | Business-working-capital lines of credit starting at $50,000 | source |
Loan sizes
Investment property loans start at $50,000
sourceBusiness-working-capital lines of credit starting at $50,000
sourceAn SBA 7(a) is a small business loan designed for business owners looking to acquire an existing business, buy out a partner, expand, move to a new location, purchase real estate or purchase equipment up to $5 million.
source
Service area
Texas and New Mexico
We offer credit union services like checking and savings accounts, loans, and more to communities throughout Texas and New Mexico.
source
Statewide: New Mexico, Texas
Borrower focus
Languages
- Spanish
Ve nuestras tasas competitivas de préstamos para auto
source
Online application
Yes — the site links to an application. Apply online for a new or used auto loan today
source
Pages read (12)
- https://www.gecu.com/
- https://www.gecu.com/loans-and-credit/home-loans/new-home-purchase/new-construction/preferred-builders
- https://www.gecu.com/rates/auto-loan-rates
- https://www.gecu.com/rates/home-loan-rates
- https://www.gecu.com/rates/personal-loan-rates
- https://www.gecu.com/rates/home-improvement-loan-rates
- https://www.gecu.com/loans-and-credit/auto-loans
- https://www.gecu.com/rates/credit-card-rates
- https://www.gecu.com/loans-and-credit/home-loans
- https://www.gecu.com/loans-and-credit/commercial-loans
- https://www.gecu.com/es-ES/loans-and-credit/auto-loans
- https://www.gecu.com/loans-and-credit/auto-loans/new-used
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$10.6 million in 7 awards from the U.S. Treasury's CDFI Fund, 2013–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Program, Financial Assistance | $510,000 |
| 2021 | CDFI Program, Financial Assistance | $676,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $500,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as GECU (charter 24941). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $4.7 billion (as of 30 Jun 2026) |
|---|---|
| Members | 441,043 (as of 30 Jun 2026) |
| Offices | 24 in 2 states (as of 30 Jun 2026) |
Offices by state and county (24)
Texas (22 offices)
- El Paso County (22): 1225 Airway Blvd, El Paso 79925 (main office); 10425 Vista Del Sol Dr, El Paso 79925; 11400 Sean Haggerty Dr Bldg D, El Paso 79934; 11987 Rojas Dr, El Paso 79936; 12400 Montwood Dr, El Paso 79928; 12598 Rojas Dr, El Paso 79928; 1265 Joe Battle Blvd Ste B106, El Paso 79936; 12801 Edgemere Blvd Bldg A, El Paso 79938; 1545 N Lee Trevino Dr, El Paso 79936; 2208 N Oregon St, El Paso 79902; 429 N Yarbrough Dr, El Paso 79915; 4521 Cohen Ave, El Paso 79924; 5710 N Mesa St, El Paso 79912; 6801 Viscount Blvd Ste A, El Paso 79925; 716 N Piedras St, El Paso 79903; 7227 Viscount Blvd, El Paso 79925; 7410 Helen Of Troy, El Paso 79912; 7955 N Mesa St Ste B, El Paso 79932; 8936 Alameda Ave, El Paso 79907; 9435 Dyer St, El Paso 79924; 13750 Eastlake Blvd, Horizon City 79928; 10860 N Loop Dr, Socorro 79927
New Mexico (2 offices)
- Doña Ana County (2): 141 N Roadrunner Pkwy, Las Cruces 88011; 3275 Rinconada Blvd, Las Cruces 88011
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by GECU Federal Credit Union (NCUA charter 24941, filed as “GECU”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $3.85 billion, 211,986 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.7% from $3.51 billion on 30 Jun 2025 |
| Members | 441,043 (as of 30 Jun 2026); 435,429 (as of 30 Jun 2025) |
| Loans per member | $8,738 (total loans divided by members, 30 Jun 2026) |
| Total assets | $4.74 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $792.8 million | 20.6% |
| Used vehicle loans | $1.24 billion | 32.2% |
| First-lien home mortgages (1-4 family) | $566.4 million | 14.7% |
| Other real estate loans (junior liens, other) | $124 million | 3.2% |
| Commercial (business) loans | $582.3 million | 15.1% |
| Credit cards | $305.5 million | 7.9% |
| Other unsecured loans | $207.4 million | 5.4% |
| Leases and other secured loans | $33.6 million | 0.9% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025GECU Federal Credit Union reported 1,193 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $147.8M (median loan about $95,000). 211 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 211 | 18% |
| Refinance (incl. 354 cash-out) | 402 | 34% |
| Home improvement | 465 | 39% |
| Other purpose | 115 | 10% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 1,193 | 100% |
Included above: 5 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 25 counties with at least one; 95% of its 2025 loans were for properties in Texas:
- El Paso County, TX (1,116)
- Doña Ana County, NM (43)
- Otero County, NM (5)
- Sierra County, NM (3)
- Denton County, TX (3)
Filed under LEI 549300IV3BQZRSE82O16 as “GECU”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 2 → 4 | Rank among the 10 certified CDFIs in Texas with SBA approvals in either period: 6 → 5. |
| Total assets (Call Report, 30 Jun 2026) | $4.74 billion | Larger than 100% of the 14 other certified credit unions in Texas (median $169.6 million). |
| Loans as a share of assets | 81% | Median of the same 14 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $3.51 billion → $3.85 billion (+10%) | Median change of 14 other certified credit unions in Texas: +3%. Rank by loans held among these 15: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 1,193 | More than 94% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Texas with SBA approvals FY2023–2026 | 9 | rank 6 → 5 of 10 |
| Call Report total assets | other certified credit unions in Texas | 14 | larger than 100% |
| Loans held then vs now | certified credit unions in Texas reporting both dates | 14 | rank 1 → 1 of 15 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 94% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 8 SBA-backed approvals for GECU Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 8 7(a) loans as the lender: $1.7M in total (gross amount approved), median $175,000
By fiscal year: FY2020 1 · FY2021 0 · FY2022 1 · FY2023 1 · FY2024 1 · FY2025 1 · FY2026 3.
By program
- 7(a) SBA Express (5, 62%)
- 7(a) standard (3, 38%)
Borrower industries
NAICS sector, 3 or more loans.
- Arts, entertainment, and recreation (4)
- Health care and social assistance (3)
How this lender was matched in the SBA files: NCUA charter 24941, found through the RSSD ID in NCUA records (SBA lists “GECU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. GECU Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in El Paso and Texas
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- FIRSTLIGHT FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Mountain Star Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Personal / consumer loansVerified
- ONE SOURCE FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loansVerified
- Raiz Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loansVerified
- Tigua Community Development CorporationLoan fund · El Paso, TX · Native CDFIOfficial list only
Work at GECU Federal Credit Union? Link to this page
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