Greater Central Texas Federal Credit Union provides quick secured auto loans and home loans in Killeen, TX. GCTFCU has many products to offer including: Checking Account- Free and unlimited check writing, VISA Debit and ATM transactions. E-Statements: Golden Apple Checking Account for members age 55+: No minimum daily balance and no fee if daily minimum balance falls below $300. Low interest loans- Our loans are very competitive with local area financial institutions. New car loans as low as 2.99% Annual Percentage Rate (APR) wac*. Used car loans as low as 3.99% APR wac*. Unsecured loans as low as 11.5% APR wac*. MasterCard- We offer regular MasterCard, Gold MasterCard, and Platinum MasterCard. Check out our rates - 9.95% APR for regular, 9.25% APR for Gold, and 8.99% APR for Platinum. Fixed rates and No Annual Fee. Savings accounts- Our many types of savings accounts include: Vacation and Christmas Club, Tiered Money Market accounts, Variable Rate IRA's, and Certificates of Deposit. For more details contact us.