LOANS & CREDIT

Get Started With a Loan or Credit Card

If you’re ready to apply for a loan or credit card, you’re in the right place!

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Loan & credit types



Apply for a loan online or in person. To schedule an appointment or if you have any questions, call 1.800.772.4328.
Helping You Apply for Loans and Credit Cards
1All loans are subject to approval. Rates and terms are based on vehicle year and borrower’s credit qualifications, and are subject to change. Promotional rates and refinancing do not apply to existing GECU loans. Other conditions apply. Membership eligibility is required.
2All loans are subject to approval. Other conditions apply.
3Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment credit cards only. 1.90% introductory Annual Percentage Rate (APR) is subject to qualification that is based on creditworthiness and other factors. The introductory rate is fixed for the first six billing cycles after opening the account for all purchases, balance transfers, convenience checks and cash advances. After that, the variable standard rate for purchases, balance transfers and convenience checks will apply (12.65%–17.90% APR as of April 1, 2023). The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. The introductory rate may end sooner if your payment is late. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Empowerment credit card at your GECU location or online. Introductory rate and range of rates do not apply to the GECU Rewards credit card. 
4Subject to credit qualification and approval. Other conditions apply. Introductory rate is not available for the GECU Rewards credit card. The variable standard rate for purchases, balance transfers and convenience checks is 15.49%–17.90% Annual Percentage Rate (APR) as of April 1, 2023. The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. Introductory offer applies to new GECU Rewards credit cards opened after August 1, 2021. You will only earn 4.5 points for every $1 on qualifying purchases within the first three months of opening the account, up to $5,000 total spent. Once you spend $5,000 within the first three months, you will earn 1.5 points per $1. Cash advances, balance transfers, ATM transactions, and transactions with the use of convenience checks are not eligible to earn points. Other limitations apply. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Rewards credit card online. The GECU Pickaxe Rewards credit card is not a UTEP-sponsored affinity program. 
5All loans are subject to approval. Commercial loans are available only in Texas and New Mexico. Other conditions apply.

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