Gulf Coast Bank & Trust Co.

TODAY'S FEATURED RATES

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

gulfbank.com

504-561-6100

200 St. Charles Avenue
New Orleans, LA 70130

Gulf Coast Bank & Trust Co. is headquartered in NEW ORLEANS and is the 5^th largest bank in the state of Louisiana. It is also the 374^th largest bank in the nation. It was established in 1990 and as of December of 2024, it had grown to 910 employees at 38 locations. Gulf Coast Bank & Trust Co.'s money market rates are 8X the national average, and it has a B health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	32974
Year Established	1990
Employees	910
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.23%
Return on Equity - YTD	2.81%
Annual Interest Income	$297MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$3.37B$3.13B
Loans	Q4 2024vs Q4 2023	$2.36B$2.17B
Deposits	Q4 2024vs Q4 2023	$2.93B$2.65B
Equity Capital	Q4 2024vs Q4 2023	$266.5MM$260.8MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$48.6MM$38.5MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$51.4MM$43.4MM
Real Estate Owned	Q4 2024vs Q4 2023	$253K$723K

TODAY'S FEATURED RATES

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gulf Coast Bank & Trust Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%	$0	-	Interest Savings
0.50%^*	$250k^*	-	Savings Account
OTHER TIERS: 0.20% → $0 - $250k
0.50%^*	$250k^*	-	Joint Minor Savings
OTHER TIERS: 0.20% → $0 - $250k
0.25%	$0	-	Christmas Club
0.20%	$0	-	Vacation Club
0.05%	$0	-	Health Savings Checking Account

Gulf Coast Bank & Trust Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%^*	$1.5m^*	-	Select Money Market
OTHER TIERS: 0.50% → $0 - $100k \| 0.70% → $100k - $250k \| 0.85% → $250k - $1m \| 3.44% → $1m - $1.5m
3.53%^*	$1.5m^*	-	Best Money Market
OTHER TIERS: 0.40% → $0 - $100k \| 0.60% → $100k - $250k \| 0.75% → $250k - $1m \| 3.03% → $1m - $1.5m

Gulf Coast Bank & Trust Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$200k^*	-	Educator Plus Checking
OTHER TIERS: 0.20% → $0 - $200k
0.40%	$0	-	Interest Checking
0.40%^*	$25k^*	-	Select Checking
OTHER TIERS: 0.20% → $0 - $25k
0.40%	$0	-	Interest Checking Combo

Gulf Coast Bank & Trust Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.50%	$2k	-	18-23 Month CD Special

Locations

Availability

New Orleans Area

New Orleans Area bank & credit union details

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