Greater TEXAS Federal Credit Union

This has been my credit union for many years. They provide excellent customer service. Love them.

I have been going to GTFCU for a long time. Probably 20 years but I’m not sure. A long time. They are good because I never pay that much attention to them. They just run like a clock in the background. Had long term loans that went fine and they did a free notarizing my will for me. They are close and they are open convenient hours. They have always been friendly with me and the drive though tubes work most of the time :) No complaints but I never had any late payments or issues of the like.

«Your financial partners for life» MY ASS!!! I rated this company one star and they aren’t even worthy of it! They have lost my business for good. I have applied for an auto for the second time and you would think that it would be as smooth and great as it was the first time! I had no pleasure working with Juanita Paxman NMLS# 782 081. She provided me with the WORSE customer service, stinky attitude, and lack of communication. She is not clear, does not responded back to emails nor is she thorough when she finally decides to get off her blessings and call back. I had to go through 3 other loan officers to get some help because Juanita was completely unhelpful. I do not appreciate how treated me. Calls should be monitored when deal with that brainless child. Never again will I do or send business to Greater Texas Credit Union. I would NEVER have this bank as a «financial partner for life» and then have them screw me over as I did these past 2 days. HORRIBLE HORRIBLE HORRIBLE Loan Officer and bank in general. RUN from Juanita Paxman NMLS # 782 081 unless you want to be screwed over.

Everything was going fine until my debit card stopped working, for some reason ONLY at HEB. I called the bank to ask why, and they flat out told me that I had not tried to use my card at HEB or they would have a record of it, approved or not. I tried to use the same card at HEB’s, different ones too, and it never worked. I called again, and even though they did not believe me that I had tried to use my card (they saw no record), the phone person told me to go to the Lamar branch and get a replacement card. I went there and they tried to charge me $ 10 for a replacement card! I explained to them that the card still works at some places and that I did not want to pay $ 10 for a debit card to use my own money. The «supervisor» told me she could lower the fee to $ 5. I do not want to pay $ 5, and have never had to pay these charges at my other banks. Ultimately, my business was not worth $ 5 to this bank so I promptly closed my account with them. I am quite surprised that my business was so easy for them to dismiss.

I have been a member for over 30 years (no, seriously, I didn’t even live in Austin proper when my parents started my account here). I have nothing but amazing things to say about the staff, credibility and reliability of the GTFCU staff. Very professional, hard working and aiming to please.
They do have branches in other areas of Austin but I try and visit the main branch as much as I can. They are also located next door to Michi Ramen!
I’m a member for life!

Left BofA to switch to a credit union. Shortly there after I applied for a used car loan for a daily beater for driving to work. They approved it for far less interest then what BofA had ever offered.
When I go into the local branch they know me by name. They know where I work and are friendly.

I have been a member for years they are good to us

After building what I thought was an excellent relationship with a bank, it turns out GTFCU could care less about long term relationships. You would think that after paying off multiple loans worth tens of thousands each, the bank would at least recognize you… and perhaps treat you with a little more respect, considering it’s been years in the making. Not GTFCU.
Well, here’s something for the marketing dept at GTFCU to think about. The last time I asked for a loan, you spent days on consideration. Amplify had my approval in 5 minutes. I was already driving my new car when your loan officer decided to call me back… strike one.
I was told by a loan officer three years ago that they base their decisions on more than just income and credit rating — that building a relationship was important to them. Well, I would assume that relationship might mean something more than a ¼ point for having an account for five years plus… Strike two.
There a plenty of places to take my business if all I cared about was interest rate and responsiveness. GTFCU has never been the least expensive or the fastest… but I thought that maybe if I showed responsibility and month after month of on time payments, they might care a little more about my business… Strike Three.
I walked in this morning to consider another loan with them. I was recognized by the loan officer — but not even a ‘thanks’ for coming back in. Rates are the same (save the ¼ point as explained above… oh, and you can get another ¼ point for direct withdrawal) but income verification necessary for our sixth loan… credit rating is the only thing that matters concerning interest rates.
So much for a local credit union that is supposed to care. Bye Bye GTFCU. You won’t be getting anymore of my business until you make a concerted effort to give a Damn. And it doesn’t sound at all like you ever will.

I’ve been a member for over 30 years. Only two mistakes have been made by the Credit Union in all of that time, and they identified and corrected errors preventing any financial problems for me. Free checking, free bill pay, online and phone accessibility have made being a member here very easy when I have not been able to get to a branch in person. GTFCU has always given me lower interest rates for car loans than I could get anywhere else, with no hidden fees or penalties. I recommend them.

I have been a member of GTFCU for going on ten years now and have never had a complaint. The people are friendly and helpful and any time I have had an issue such as debit card fraud they have been expedient and very helpful.
I recently had an issue with my account due to a third party error. The bank took care of this quickly and made sure any charges caused by the error were taken care of. It is nice to know that I can rely on my bank for quality personal service in this day and age.

I opened a student checking account at Texas A&M University in College Station. It was called Aggieland Credit Union and was a part of Greater Tx Federal Credit Union. When I bought my first car, I applied for auto loan through their new branch on South East Parkway. Upon graduation and getting a job in the DFW metroplex, I continued my banking with GTCU.
For metroplex the size of DFW, they have one branch in Arlington (right next to the Ballpark) and one other Branch in Dallas downtown. I do most of the banking online and very few time now and then I stop by in person to their branch. I have been satisfied with their service on loans, wire transfers, over draft protection, free check books etc. One suggestion it would be nice to have Saturday working hours as most commercial banks do.

I have had an account for about five years now. For the most part, it does the job. I do have a few frustrations with them, and I’ll be changing unions/​banks soon, but only because there is not a branch close to my home now (and there are higher interest rates elsewhere). One of my frustrations, is that every time I have moved in the last five years, which has been at least four times, due to internships, relocations, etc., I have to fax or email a signed statement with my old and new address. They really should make this convenient, allowing it to be done online. Also, each time, soon after I change my address, I receive a $ 3 return mail fee and I have to call them each time to get them to remove it. I get whatever I can electronically, but they always mail me something (probably a letter stating that my address has been changed) and I get charged. I asked recently why this always happens, and they said because the rep forgets to change the ‘mail code’ item. So, that’s a training issue that inconveniences me. Another frustration I have, is that when I have an issue that I have to call about, I call the automated line and press ‘6’ for member services and the person who takes the call always says (after I’ve described the problem in detail), «let me transfer you to member services.» I asked them the last time about this, and they said they are ‘member response’ and they take the simple calls for member services to save members wait times on hold when they call in. So, because there are people who call about simple issues, like branch times/​locations, balances, and other stuff that can be checked online, I have to spend more time going through the system when I have an issue that can’t be solved by the internet. How is this supposed to save me time? And there have been a few other small issues (mistakes on their side) in the past five years…
Since I do not have a branch by my house, I’ve been using a shared branch, and that’s only caused more inconveniences because of each credit union’s specific rules. I’ve had holds placed on checks for days, and now I’m going to have to call the shared branch, because I made a deposit on the 7^th, and I just called Greater TX and they don’t see it.
So, overall I do recommend this credit union as long as you aren’t using a shared branch for services, and if you can tolerate the inconvenient little ‘kinks’ in the system. But I am going to look for a better option for me soon. (And I still recommend this CU over ‘we only care about us’ major banks like Wells and Cap One… definitely!)

BEWARE! GTFCU holds YOUR money longer than other financial institutions. My coworkers have access to their direct deposits a full day, sometimes two, before I do. I’ve been told ‘It’s their polcy. It would be like them accepting a post dated check. It’s as a courtesy.” Courtesy to WHO?! Certainly NOT their members.
I’ve been a member for nearly 20 years, but am looking elsewhere because of this!

FINANCIAL PARTNER??? — I don’t think so — I’ve been a Credit Union Member for approximately 24 years and have NEVER defaulted on any payment to the Credit Union. I’ve even referred my family members as well as co-​workers to them.
I have automatic draft on my account and have had that for at least 10 – 15 years. I was amazed at how they assumed my other four auto loans from my other creditors while I was with them over the past 10 years and now that I’ve went through a divorce; my credit with the Credit Union was NEVER involved. Payments were still going through and low and behold I WAS DENIED credit on my most recent auto loan request (which I HAD to have since my other vehicle wouldn’t run anymore) through them.
First I was told it was based on debt to income ratio and then when my debt to income ratio was taken care of; the next month they gave me ANOTHER excuse of upside down on my auto, if I could come up with $ 5,000 they could look at it. I had been upside down on the other auto loans they assumed, when in fact they took those.
I have been a loyal customer for 24 years haven’t had no trouble until NOW. I’ve asked at least four times for them to assume the note that I have now with my my current auto loan and keep getting a run around.
I have good credit (not the best, but good enough) — I’ve stayed with them for 24 years and now they say FINANCIAL PARTNER? Where’s the help when I need it now?

Great customer service. Transactions are always accurate. Can deposit checks with scanner. Bill pay and online banking is mediocre. Part of CU Service Centers is bonus.
If GTFCU needs to get your attention, they freeze your account. That can cause major financial issues. I would only recommend this credit union if your expectations are low.

GTFCU is a great bank! I’ve never had any problems with them and they have a $ 3 overdraft fee (the lowest fee I’ve ever come across). The bank tellers are always very kind and courteous and really know what they’re doing (something you would naturally expect in a bank, but you’d be surprised).
Their telephone banking is super easy to use, and I love their online banking. Their website was recently revamped to give it more of a modern look (before they didn’t have check scans and full transaction detailing) and it seems very secure… there are several steps you have to go through to log on to your account… at first I thought it was a little cumbersome but now I feel pretty safe that my information won’t easily be cracked into.
I’ve been a member at this bank for several years now and I definitely seem myself as being a customer for years and years to come (at least until the robot take over planet Earth).

I lived in Austin until I recently moved to Fort Worth and have an auto loan through Greater Texas. They offered me low rates, timely service, and some of the best treatment I’ve ever experienced in dealing with a financial institution. Although they only have one branch that is local to my current area (Greater Texas Federal Credit Union in Arlington, TX), I will continue to do business with them even if it requires a little bit of drive time. No one will treat you as fairly as Greater Texas!