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Gulf Credit Union


Overview / Commentary
www.gecu.org
800-448-5328
5140 W Parkway St
Groves, TX 77619

Gulf Credit Union is headquartered in Groves and is the 80th largest credit union in the state of Texas. It is also the 959th largest credit union in the nation. It was established in 1941 and as of December of 2022, it had grown to 79 employees and 24,119 members at 4 locations. Gulf Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Gulf Credit Union of Texas is open to the resident and the people that maintain employment within these qualified counties: Jefferson, Hardin, and Orange.
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Health
B

Data as of Q4 2022

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Health Grade Components

Overall
NCUA #60205
Year Chartered1941
Employees79
Primary Regulator
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD18.82%
Annual Interest Income$9.0MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$322.3MM$336.6MM
LoansQ4 2022vs Q4 2021$176.1MM$144.5MM
DepositsQ4 2022vs Q4 2021$300.4MM$306.8MM
Equity CapitalQ4 2022vs Q4 2021$19.5MM$28.4MM
Loan Loss AllowanceQ4 2022vs Q4 2021$742.00K$657.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$824.00K$562.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates
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* 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
0.15%$5-Share Account
0.15%--Christmas Club
0.15%$100-IRA Club Account
0.15%--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% → Up to $2k | 0.25% → $2k - $25k | 0.45% → $25k - $50k | 0.55% → $50k - $100k

Gulf Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$15kFree Kasasa Saver
OTHER TIERS: 0.35% → $15k+
0.05%$50-Share Draft
0.05%--Business Share Draft
0.05%--Senior Share Draft

Gulf Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$25k-9 Month CD Special - New Money
3.55%$500-60 Month CD
3.29%$500-36 Month CD
2.78%$500-24 Month CD
2.52%$500-12 Month CD
1.76%$500-6 Month CD

Gulf Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%$500-60 Month IRA
3.29%$500-36 Month IRA
2.78%$500-24 Month IRA
2.52%$500-12 Month IRA
1.76%$500-6 Month IRA
Locations


Gulf Credit Union Locations
Branch Office2779 Aero DrPort 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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