{"id":6425,"date":"2025-04-14T14:34:45","date_gmt":"2025-04-14T19:34:45","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=6425"},"modified":"2025-08-24T08:21:26","modified_gmt":"2025-08-24T13:21:26","slug":"review-greater-texas-credit-union","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/review-greater-texas-credit-union\/","title":{"rendered":"2025 Mortgage Review: Greater Texas Credit Union"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<section id=\"lender-comparison\" class=\"tomo-embed\" lang=\"en\" role=\"region\" aria-labelledby=\"page-heading\">\n  <style>\n    #lender-comparison{\n      --primary:#0a6c5b;--primary-700:#084e42;--accent:#1aa59a;\n      --ink:#0f172a;--body:#334155;--muted:#64748b;\n      --bg:#ffffff;--surface:#e8f5f1;--border:#dbe5e0;--radius:16px;\n      font-family:ui-sans-serif,-apple-system,Segoe UI,Roboto,Inter,\"Helvetica Neue\",Arial,system-ui,\"Apple Color Emoji\",\"Segoe UI Emoji\",\"Segoe UI Symbol\";\n      color:var(--body);background:transparent;margin:0 auto;max-width:980px;line-height:1.6\n    }\n    #lender-comparison .sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,1px,0);white-space:nowrap;border:0}\n    #lender-comparison .card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 8px 28px rgba(17,24,39,.08);overflow:clip;margin:18px 0}\n    #lender-comparison .banner{background:linear-gradient(135deg,var(--primary),var(--primary-700));color:#fff;padding:18px 22px;display:grid;gap:6px}\n    #lender-comparison .eyebrow{color:#fff;font-size:12px;letter-spacing:.08em;text-transform:uppercase;display:block;margin-bottom:2px;font-weight:700}\n    #lender-comparison .title{margin:0;font-weight:900;font-size:clamp(20px,3vw,28px);line-height:1.15}\n    #lender-comparison .body{padding:20px 22px;display:grid;grid-template-columns:1.15fr .85fr;gap:22px}\n    #lender-comparison .body.body--single{display:block;padding:20px 22px}\n    @media (max-width:780px){#lender-comparison .body{grid-template-columns:1fr}}\n    #lender-comparison h3{margin:0 0 6px;color:var(--ink);font-size:18px;font-weight:800;letter-spacing:-.01em}\n    #lender-comparison .factgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}\n    @media (max-width:480px){#lender-comparison .factgrid{grid-template-columns:1fr}}\n    #lender-comparison .chip{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:10px 12px}\n    #lender-comparison .chip dt{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:2px}\n    #lender-comparison .chip dd{margin:0;color:var(--ink);font-weight:700}\n    #lender-comparison table{width:100%;border-collapse:collapse;font-size:14px}\n    #lender-comparison th,#lender-comparison td{border:1px solid var(--border);padding:10px;text-align:left;vertical-align:top}\n    #lender-comparison th{background:var(--surface);color:var(--ink);font-weight:800}\n    #lender-comparison .quotes{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}\n    @media (max-width:780px){#lender-comparison .quotes{grid-template-columns:1fr}}\n    #lender-comparison blockquote{margin:0;background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:14px;font-size:15px}\n    #lender-comparison blockquote footer{margin-top:8px;font-size:13px;color:var(--muted);font-style:normal}\n    #lender-comparison .actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}\n    #lender-comparison .btn{appearance:none;border:1px solid transparent;background:var(--primary);color:#fff;font-weight:700;padding:10px 14px;border-radius:10px;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;transition:transform .02s ease,box-shadow .2s ease,background .2s ease;box-shadow:0 6px 16px rgba(10,108,91,.25)}\n    #lender-comparison .btn:hover{background:var(--primary-700);transform:translateY(-1px)}\n  <\/style>\n\n  <h1 id=\"page-heading\" class=\"sr-only\">Greater Texas Credit Union<\/h1>\n\n  <!-- Module 1: Overview -->\n  <section class=\"card\" id=\"overview\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Overview<\/span>\n      <h2 class=\"title\">Who is Greater Texas Credit Union?<\/h2>\n    <\/div>\n    <div class=\"body\">\n      <section>\n        <p>Greater Texas Credit Union (also branded as Aggieland Credit Union in Bryan\/College Station) is a Texas-based, member-owned institution offering fixed and adjustable-rate mortgages and select government-backed options (FHA\/VA\/USDA). Portfolio offerings sometimes include \u201cno closing cost\u201d promotions subject to underwriting, LTV, and eligibility limits.<\/p>\n      <\/section>\n      <aside aria-label=\"At-a-glance facts\">\n        <div class=\"factgrid\">\n          <dl class=\"chip\"><dt>HQ<\/dt><dd>Austin, Texas<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Available Areas<\/dt><dd>Texas (Austin, College Station, San Antonio, Dallas\u2013Fort Worth, Houston &#038; nearby)<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Rate<\/dt><dd>0.10% less than median (historical)<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Lender Fees<\/dt><dd>$1,550 median<\/dd><\/dl>\n          <dl class=\"chip\"><dt>Website<\/dt><dd><a href=\"https:\/\/www.gtfcu.org\/greater-texas-cu\/loans\/personal\/home-loan?utm_source=tomo_blog&#038;utm_campaign=lender-reviews-update\" target=\"_blank\" rel=\"nofollow noopener\">Greater Texas Credit Union<\/a><\/dd><\/dl>\n        <\/div>\n        <p style=\"margin-top:8px;font-size:13px;color:#64748b;\"><em>Rates and fees based on historical analysis of 30-year fixed rate conventional loans for primary home use; actual rates and fees will vary by buyer and loan type.<\/em><\/p>\n      <\/aside>\n    <\/div>\n  <\/section>\n\n  <!-- Module 2: How They Compare -->\n  <section class=\"card\" id=\"compare\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">How They Compare<\/span>\n      <h2 class=\"title\">How Greater Texas Credit Union Rates and Fees Compare to Other Lenders<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <p>We use historic rate information to provide an apples-to-apples comparison of lenders, but you&#8217;ll need to check the rates on the lender&#8217;s website for up-to-date pricing on your specific scenario. We used costs for a <strong>$400,000<\/strong> purchase, primary residence, <strong>30-year fixed<\/strong> mortgage with <strong>20% down<\/strong>. We frame the lender\u2019s rate relative to the national median on the publish date. No taxes, insurance, or mortgage interest rate points included.<\/p>\n\n      <table aria-label=\"Comparison table\">\n        <thead>\n          <tr>\n            <th><\/th>\n            <th>Greater Texas Credit Union<\/th>\n            <th>Typical Lender (Median)<\/th>\n            <th>Tomo Mortgage<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Interest Rate (par rate)<\/td>\n            <td>0.10% less than the median<\/td>\n            <td>6.58% (Aug 18, 2025 median)<\/td>\n            <td>0.30% less than the median<\/td>\n          <\/tr>\n          <tr>\n            <td>Lender Fees<\/td>\n            <td>$1,550<\/td>\n            <td>$1,360<\/td>\n            <td>$0<\/td>\n          <\/tr>\n          <tr>\n            <td>Cost after 1 year<\/td>\n            <td>$22,181 <small>(~$20,631 interest + $1,550 fees)<\/small><\/td>\n            <td>$22,311 <small>(~$20,951 interest + $1,360 fees)<\/small><\/td>\n            <td>$19,990 <small>(~$19,990 interest + $0 fees)<\/small><\/td>\n          <\/tr>\n          <tr>\n            <td>Cost after 10 years<\/td>\n            <td>$194,907 <small>(~$193,357 interest + $1,550 fees)<\/small><\/td>\n            <td>$197,924 <small>(~$196,564 interest + $1,360 fees)<\/small><\/td>\n            <td>$186,955 <small>(~$186,955 interest + $0 fees)<\/small><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n\n      <div class=\"actions\">\n        <a class=\"btn\" href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\/?utm_source=tomo_blog&#038;utm_campaign=lender-reviews-update\" target=\"_blank\">See TrueRate to compare today\u2019s rates and fees<\/a>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- Module 3: Reviews \u2014 What customers are saying -->\n  <section class=\"card\" id=\"reviews\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Reviews<\/span>\n      <h2 class=\"title\">What Customers Are Saying<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <div class=\"quotes\" aria-label=\"customer-quotes\">\n        <blockquote>\u201cFantastic customer service and friendly staff.\u201d<footer>\u2014 WalletHub (5\u2605), Mar 27, 2022 \u00b7 <a href=\"https:\/\/wallethub.com\/profile\/greater-texas-credit-union-13308408i\" target=\"_blank\" rel=\"nofollow noopener\">WalletHub<\/a><\/footer><\/blockquote>\n        <blockquote>\u201cThe tellers are friendly, courteous &amp; fast.\u201d<footer>\u2014 Yelp (branch review), updated Aug 2025 \u00b7 <a href=\"https:\/\/www.yelp.com\/biz\/greater-texas-credit-union-houston-2\" target=\"_blank\" rel=\"nofollow noopener\">Yelp<\/a><\/footer><\/blockquote>\n        <blockquote>\u201cJust terrible\u2026 you can\u2019t get verified\u2026 go elsewhere.\u201d<footer>\u2014 WalletHub (1\u2605), Jun 26, 2024 \u00b7 <a href=\"https:\/\/wallethub.com\/profile\/greater-texas-credit-union-13308408i\" target=\"_blank\" rel=\"nofollow noopener\">WalletHub<\/a><\/footer><\/blockquote>\n      <\/div>\n      <p style=\"margin-top:10px\"><em>Third-party sites reflect individual experiences. Use multiple, recent sources and confirm pricing on a written Loan Estimate.<\/em><\/p>\n      <p><strong>Complaints snapshot:<\/strong> See recent complaint patterns on the <a href=\"https:\/\/www.bbb.org\/us\/tx\/austin\/profile\/credit-union\/greater-texas-credit-union-0825-5844\/complaints\" target=\"_blank\" rel=\"nofollow noopener\">BBB page<\/a>.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- Module 4: Sources (compact subheads) -->\n  <section class=\"card\" id=\"sources\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">Sources<\/span>\n      <h2 class=\"title\">Where Did We Get Our Data<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <p><strong>Public Data:<\/strong> Lender fees and originations through 2024 are available through the CFPB\u2019s <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/hmda\/\" target=\"_blank\">Home Mortgage Disclosure Act<\/a>.<\/p>\n      <p><strong>TrueRate Analysis:<\/strong> TrueRate analyzed the <a href=\"https:\/\/tomo.com\/mortgage\/interest-rates-today\/?utm_source=tomo_blog&#038;utm_campaign=lender-reviews-update\" target=\"_blank\">rates lenders actually gave to buyers<\/a> for the last three years to identify lenders more likely to get you a good deal.<\/p>\n      <p><strong>Licensing Data:<\/strong> We review lenders\u2019 active license information and operations via the <a href=\"https:\/\/www.csbs.org\/nationwide-multistate-licensing-system-nmls\" target=\"_blank\">NMLS system<\/a>.<\/p>\n      <p><strong>Customer Feedback:<\/strong> We reviewed feedback on <a href=\"https:\/\/www.google.com\/maps\/\" target=\"_blank\" rel=\"nofollow noopener\">Google<\/a>, <a href=\"https:\/\/www.consumeraffairs.com\/finance\/mortgage\/reviews\/\" target=\"_blank\" rel=\"nofollow noopener\">Consumer Affairs<\/a>, the <a href=\"https:\/\/www.bbb.org\/\" target=\"_blank\" rel=\"nofollow noopener\">BBB<\/a>, and <a href=\"https:\/\/www.bankrate.com\/mortgages\/reviews\/\" target=\"_blank\" rel=\"nofollow noopener\">Bankrate<\/a>, among others.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- Module 5: More Information -->\n  <section class=\"card\" id=\"more-info\">\n    <div class=\"banner\">\n      <span class=\"eyebrow\">More Information<\/span>\n      <h2 class=\"title\">Additional Information &#038; References<\/h2>\n    <\/div>\n    <div class=\"body body--single\">\n      <ul>\n        <li><a href=\"https:\/\/www.gtfcu.org\/greater-texas-cu\/loans\/personal\/home-loan?utm_source=tomo_blog&#038;utm_campaign=lender-reviews-update\" target=\"_blank\" rel=\"nofollow noopener\">Greater Texas Credit Union<\/a><\/li>\n        <li><a href=\"https:\/\/www.bbb.org\/us\/tx\/austin\/profile\/credit-union\/greater-texas-credit-union-0825-5844\" target=\"_blank\" rel=\"nofollow noopener\">BBB<\/a><\/li>\n        <li><a href=\"https:\/\/wallethub.com\/profile\/greater-texas-credit-union-13308408i\" target=\"_blank\" rel=\"nofollow noopener\">WalletHub<\/a><\/li>\n        <li><a href=\"https:\/\/www.yelp.com\/biz\/greater-texas-credit-union-houston-2\" target=\"_blank\" rel=\"nofollow noopener\">Yelp<\/a><\/li>\n      <\/ul>\n    <\/div>\n  <\/section>\n<\/section>\n\n<!-- About (outside styled container) -->\n<section id=\"author-bio\" lang=\"en\" role=\"contentinfo\" style=\"max-width:980px;margin:18px auto;line-height:1.6;font-family:ui-sans-serif,-apple-system,Segoe UI,Roboto,Inter,'Helvetica Neue',Arial;\">\n  <div style=\"border:1px solid #dbe5e0;border-radius:16px;padding:18px 22px;background:#ffffff;box-shadow:0 8px 28px rgba(17,24,39,.08);\">\n    <h2 style=\"margin:0 0 8px 0;font-weight:900;font-size:clamp(20px,3vw,28px);color:#0f172a;\">About Our Team<\/h2>\n    <p style=\"margin:0;color:#334155\">Our team uses TrueRate to analyze hundreds of thousands of real loans, apples-to-apples, so that we can give people a clear and objective view of a mortgage lender&#8217;s history. The goal is simple: show who&#8217;s been fair historically, and who hasn&#8217;t, so homebuyers have the information they need to make the right choice on their home loan.<\/p>\n  <\/div>\n<\/section>\n\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Greater Texas Credit Union Overview Who is Greater Texas Credit Union? Greater Texas Credit Union (also branded as Aggieland Credit Union in Bryan\/College Station) is a Texas-based, member-owned institution offering fixed and adjustable-rate mortgages and select government-backed options (FHA\/VA\/USDA). Portfolio offerings sometimes include \u201cno closing cost\u201d promotions subject to underwriting, LTV, and eligibility limits. HQ [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":6426,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[286],"tags":[],"class_list":["post-6425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lender-reviews"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/tomo.com\/blog\/wp-content\/uploads\/2025\/06\/Template-for-Blog-Content-16.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/6425","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/comments?post=6425"}],"version-history":[{"count":5,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/6425\/revisions"}],"predecessor-version":[{"id":7319,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/posts\/6425\/revisions\/7319"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media\/6426"}],"wp:attachment":[{"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/media?parent=6425"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/categories?post=6425"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tomo.com\/blog\/wp-json\/wp\/v2\/tags?post=6425"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}