Gulf Coast Federal Credit Union Adds 36-Month CD Special, 3.65% APY


Deal Summary: 36-month Share Certificate Special, 3.65% APY, $500 minimum deposit

Availability: Residents of three South Texas counties (Corpus Christi metropolitan statistical area).

In May, Gulf Coast Federal Credit Union (Gulf Coast Federal) offered a 36-month Share Certificate Special (SCS) earning 2.99% APY, which was available for a few months. Gulf Coast Federal has brought the 36-month SCS back with a very competitive 3.65% APY. In fact, the 3.65% APY is the highest rate offered on any 3-year CD currently tracked by DA. The minimum opening deposit is $500, with no stated balance cap.

2.99%$500-Gulf Coast Federal Credit Union36 Month Share Certificate Special
Rates as of May 22, 2019.

As stated in the Truth-In-Savings disclosure, the Early Withdrawal Penalty reads as follows:

Terms longer than12 months 180 days' dividends

$150 Checking Bonus

Gulf Coast Federal continues to offer a $150 bonus when opening “your first consumer (non-commercial) share draft (checking) account with required $25 minimum.” The $150 bonus is not available to those with existing Gulf Coast Federal checking accounts, or those who have closed a checking account in the last twelve months. The bonus will be credited within 60 days of completing the following:

  • Establish a qualifying direct deposit of at least $250 within 60 days of account opening, and
  • Activate and have at least one signature or PIN debit card purchase within 60 days of account opening.


Headquartered in Corpus Christi, Texas, Gulf Coast Federal Credit Union’s field of membership (FOM) is residency based, with individuals who live, work, worship, or attend school in the Texas counties of Jim Wells, Nueces, and San Patricio eligible to join.

Immediate family members of current Gulf Coast Federal members also qualify for membership, regardless of where they live or work.

Joining Gulf Coast Federal and/or opening a Share Certificate Special must be done at any of four Texas branches located in Alice and Corpus Christi (2) and Portland.

Gulf Coast Federal’s online banking platform is currently limited to account management and bill payment services, but a new website “is getting ready to launch.” Perhaps an expansion of the online banking platform will be included.

Credit Union Overview

Gulf Coast Federal Credit Union has an overall health grade of "B+" at, with a Texas Ratio of 11.39% (above average) based on September 30, 2018 data. Gulf Coast Federal has an above average capitalization level (10.44%), the result of holding $208.5 million in assets with $21.77 million in equity. Please refer to our financial overview of Gulf Coast Federal Credit Union (NCUA Charter # 4060) for more details.

Founded in 1940, Gulf Coast Federal Credit Union “transitioned from numerous core groups and now proudly has a community charter.” With more than 12,000 members and assets in excess of $208 million, Gulf Coast Federal is only the 84th largest credit in Texas, but according to an interview in CreditUnionTimes with the Credit Union's President and CEO, Jeremy Garza,

Despite serving in an area ranked in the top 10 for lowest credit scores,
Gulf Coast Federal is one of the fastest-growing credit unions in the nation.

How the Share Certificate Special Compares

When compared to 231 similar length-of-term CDs tracked by that require a similar minimum deposit requirements and are available within the FOM, Gulf Coast Federal Credit Union’s 36-month Share Certificate Special APY currently ranks first.

The above rates are accurate as of 1/28/2019.

Search for the best CD, either nationwide or in your state? Please refer to our CD Rates Table page.

Related Pages: Corpus Christi CD rates, 5-year CD rates

Gulf Coast FCU (TX) Adds 36-Month CD Special
Deal Summary: 36-month Share Certificate Special, 2.99% APY, $500 minimum deposit

Availability: Residents of three South Texas counties (Corpus Christi Metropolitan Statistical Area).

Gulf Coast Federal Credit Union (Gulf Coast Federal) is currently offering a 36-month Share Certificate Special earning 2.99% APY. (I have to admit, I was tempted to call it the “almost-3%-CD.”) The 36-month is one of four Share Certificate Specials, but it has the most competitive APY by far. The minimum opening deposit for any of the Share Certificate Specials is...

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It's getting difficult to find 3% CD rates even for terms of 7 and 10 years. That's why I was surprised when I came across this new CD rate at Gulf Coast Credit Union in Corpus Christi, Texas. It's a 3-year CD with a 3.05% APY. The shorter terms also have competitive rates. These include a 1.10% APY 6-month CD, a 1.50% APY 1-year CD and a 1.85% APY 2-year CD. Minimum deposit is $500. These rates are listed at the bottom of the credit union's rate sheet as...

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Gulf Coast FCU is offering a 5.54% APY 12-month share certificate. The minimum deposit is $500. It's also available as an IRA certificate. The special doesn't seem to be listed at the credit union's website. It was advertised in yesterday's Corpus Christi newspaper. The ad is available online here.

Membership is available to those who live, work, worship or attend school in the Nueces, Jim Wells or San Patricio County. Membership requires a one-time fee of $2.50 and a $5 minimum deposit into the share savings account.

Branches are located in Corpus...

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