In this time of need regarding Hurricanes Helene and Milton, GTE is here to help in any way we can. Explore the resources below to learn more about how GTE Financial can assist you during challenging times. Together, we can navigate uncertainty with confidence.
Emergency readiness information
Important Hurricane Updates:
All community financial centers are currently open regular business hours to serve you.
Need financial assistance after the storm?
Login to Online Banking and click 'Offers' to apply or submit a request
Skip-A-Pay
Skip-A-Pay allows you to enjoy more of your money, so you can do more of the things that YOU want to do! Eligible members can skip their loan payment during the month of their choice and get back to more of what life has to offer!
Requirements:
- Offer is only valid for qualifying loans to skip one time per 12 calendar months
- If a member has multiple qualifying loans, you may skip each loan at different times
- Loan account(s) and membership must be in good standing
Emergency loan
GTE is offering Emergency Loans to members impacted by recent weather disasters. We encourage you to explore our options.
Loan overview:
- Qualifying members can receive a minimum of $500 with a 6 month term and a maximum of $3,000 with a 36 month term, as low as 9.99% APR
- Loan amount will be based on the member need
- Low, fixed-rate emergency personal loan available to qualifying members in areas impacted by severe weather
GTE Instant Cash
Facing unexpected expenses? GTE offers a responsible solution: our exclusive short-term loan for members. Avoid predatory lenders with fair terms and manageable payback periods. Protect yourself from high interest rates—apply today!
Instant Cash overview:
- From $200-$2,000
- 3-12 months
- 28% APR
GTE Instant Cash benefits:
- Your cash will be deposited into your checking account within minutes upon approval
- Receive fast loan approvals and decisioning
- Application fee is just $20**
- Our rates are exponentially lower than alternative lenders
- Your credit score won’t be pulled
- Borrow up to $2,000 for up to 12 months*
Guaranteed Asset Protection (GAP)
In the wake of severe weather, we understand how quickly life can change. If your vehicle is damaged beyond repair, GAP could help cover the difference between your insurance payout and what you owe on your loan. Now GAP offers even more protection with Auto Deductible Reimbursement. If you file and pay a deductible for a comprehensive or collision claim for any vehicle you own and insure, you get up to $500* reimbursed. Check if you have GAP by speaking with a Member Advocate at any Community Financial Center or call us at 813-414-6787 ext. 40433 for more details and to purchase this protection.
We can help
As GTE Financial employees and members ourselves, we know that life can change in an instant. When our valued members face tough times, we're here to offer support and assistance. Our "We Can Help" program has offered loan solutions to assist thousands of members who have been hit by economic hardship. If you’re experiencing a financial situation affecting your ability to make payments on a GTE loan, we can work with you to arrange alternative payment options. By contacting us at the first sign of trouble, we can work together to uncover a solution while you regain your financial footing.
Mortgage assistance
Need help with your mortgage? GTE can help! If you have been financially impacted by Hurricane Helene, we may be able to offer you short-term or long-term assistance.
GTE Insurance
Protect what matters most with GTE Insurance! Your peace of mind is our priority. Explore GTE Insurance today to find comprehensive coverage options tailored to your needs. Don't wait—secure your future with confidence!
Additional resources
Important Service Updates
Please check this page for communication regarding known interruptions to service. Please know the GTE Financial team is all hands-on deck to ensure seamless access to your accounts and member assistance. We are experiencing higher call volumes than usual due to the storm. Thank you for your patience and kindness.
Phone Number Update: 10.11.24 - 5:00PM
All phone services have been fully restored. Members can call direct phone numbers as well as the GTE Financial primary phone numbers without interruptions or calls being dropped. Thank you for your patience. We wish you the best heading into the 3-Day Weekend.
ATM Locator: Text a zip code to 91989 to find nearby ATM Locations.
- Skip-A-Payment is offered on qualifying loans only one time per 12 calendar months. If a member has multiple qualifying loans, they may skip each loan at different times. Interest will continue to accrue on the loan balance (including the skipped payment). As a result, (a) you will be required to pay more interest during the loan term; (b) you will be required to make more periodic payments on the loan until the loan balance and all interest and fees thereon are paid in full; and (c) the expected loan term will be extended. This extension in no way otherwise alters the original terms and conditions of the loan contract as previously disclosed to the borrower(s). Interest will continue to accrue on the unpaid balance of the loan at the agreed rate. If you elected GAP coverage, claim coverage does not extend to the amount of the payment(s) deferred. In addition, the coverage will not be extended beyond the original maturity date. It is your responsibility as the member to stop or suspend any recurring automatic payment(s) that were previously established with a financial institution or vendor other than GTE Financial, and you agree to pay any fees incurred by stopping the automatic payment(s). If your loan is set up on a recurring draft that is established with GTE Financial, the payment must be skipped no less than 3 business days prior to the payment date for the loan to allow GTE Financial reasonable time to stop payment from processing. For questions please contact us at 813.871.2690 or toll-free at 1.888.871.2690.
- All loan applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) is accurate as of 2/1/2022. The APR for the GTE Instant Cash loan is a fixed rate for the duration of the loan. The APR will be 28.00% APR. For example, a GTE Instant Cash loan for $1,000 with a 12-month term (1 year) at 28.00% APR will have a monthly payment of $96.51. Other terms, payments, and loan amounts are available. The minimum loan amount is $200, and the maximum loan amount is $2,000. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 90 days and are considered a member in good standing. GTE Instant Cash loan is not available in Community Financial Centers; it is only available through online or mobile banking. No minimum credit score required. A $20 Non-Refundable Fee will be assessed even if the loan is denied. Please verify your account balance in GTE Online or Mobile banking to ensure you have enough funds to cover the $20 non-refundable application fee. In addition, you acknowledge that if the deposit account from which you have authorized GTE to debit the $20 Non-Refundable Application Fee contains insufficient funds to pay the fee, the debit may cause that account to be overdrawn or increase the amount by which is it overdrawn. Please view the terms of your GTE Account Disclosure.
- Product, rates, terms and conditions are subject to change without notice. For example, a minimum loan of $500 with a term of 6 months and APR of 9.99%, would have an estimated monthly payment of $86.11.