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Gulf Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 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
Bonus Amount
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 79th largest credit union in the state of Texas. It is also the 991st 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 Chartered1941
Employees74
Primary Regulator
Profit Margin
Return on Assets - YTD0.14%
Return on Equity - YTD1.59%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$325.6MM$321.8MM
LoansQ1 2025vs Q1 2024$176.9MM$168MM
DepositsQ1 2025vs Q1 2024$294.8MM$293MM
Equity CapitalQ1 2025vs Q1 2024$28.1MM$22.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.2MM$1.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.3MM$636K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 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
Bonus Amount
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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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$30kFree 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%*$0$15kKasasa 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office2779 Aero Dr # BPort Arthur, TX 77640
Branch Office4721 Highway 87 SOrange, TX 77630
Branch Office2360 Dowlen RdBeaumont, TX 77706
Branch Office5140 W Parkway StGroves, TX 77619

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