Gulf Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

up to $300

Our Rating

4.2 / 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

www.gecu.org

800-448-5328

5140 W Parkway St
Groves, TX 77619

Gulf Credit Union is headquartered in Port Arthur and is the 79^th largest credit union in the state of Texas. It is also the 991^st largest credit union in the nation. It was established in 1941 and as of March of 2025, it had grown to 74 employees and 24,377 members at 4 locations. Gulf Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Gulf Credit Union is open to businesses and other legal entities and those who live, work, worship, or attend school in the Texas counties of Chambers, Hardin, Jasper, Jefferson, Liberty, Newton, Orange, Polk, orTyler or the Bolivar Peninsula.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60205
Year Chartered	1941
Employees	74
Primary Regulator

Profit Margin
Return on Assets - YTD	0.14%
Return on Equity - YTD	1.59%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$325.6MM$321.8MM
Loans	Q1 2025vs Q1 2024	$176.9MM$168MM
Deposits	Q1 2025vs Q1 2024	$294.8MM$293MM
Equity Capital	Q1 2025vs Q1 2024	$28.1MM$22.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.2MM$1.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.3MM$636K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

up to $300

Our Rating

4.2 / 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
IRA

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Always verify rates and promotions with the bank or credit union. We are not Gulf Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Gulf Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$0	$30k	Free Kasasa Saver
OTHER TIERS: 0.60% → $30k+
0.15%	$5	-	Share Account
0.15%	$0	-	Christmas Club
0.15%	$0	-	TUTMA
0.15%	$5	-	Business Share Account

Gulf Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$100k^*	-	Cash Management
OTHER TIERS: 0.15% → $0 - $2k \| 0.25% → $2k - $25k \| 0.45% → $25k - $50k \| 0.55% → $50k - $100k

Gulf Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
6.00%^*	$0	$15k	Kasasa Cash
OTHER TIERS: 0.60% → $15k+
0.05%	$0	-	Share Draft
0.05%	$0	-	Business Share Draft
0.05%	$0	-	Senior Share Draft

Gulf Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.49%	$500	-	12 Month CD
3.92%	$500	-	6 Month CD
3.61%	$500	-	60 Month CD
3.56%	$500	-	36 Month CD
3.51%	$500	-	24 Month CD

Gulf Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.49%	$500	-	12 Month IRA
3.92%	$500	-	6 Month IRA
3.61%	$500	-	60 Month IRA
3.56%	$500	-	36 Month IRA
3.51%	$500	-	24 Month IRA
0.15%	$100	-	IRA Club Account

Locations

Gulf Credit Union Locations
Branch Office	2779 Aero Dr # B	Port Arthur, TX 77640
Branch Office	4721 Highway 87 S	Orange, TX 77630
Branch Office	2360 Dowlen Rd	Beaumont, TX 77706
Branch Office	5140 W Parkway St	Groves, TX 77619

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