Gulf Shore Federal Credit Union

TODAY'S FEATURED RATES

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: 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

3.50%

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

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

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

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.gulfshorefcu.org

409-945-2318

1306 N Logan St
Texas City, TX 77590

Gulf Shore Federal Credit Union is headquartered in Texas City and is the 235^th largest credit union in the state of Texas. It is also the 2,980^th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 6 employees and 3,246 members at 1 location. Gulf Shore Federal Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Gulf Shore Federal Credit Union is open to those who live, work, worship, or attend school in the Texas communities of Bacliff, Dickinson, Hitchcock, La Marque, Santa Fe, San Leon, or Texas City. Membership is also open to employees/retirees of several Select Employer Groups, including the City of Hitchcock.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Gulf Shore Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	2442
Year Chartered	1937
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	2.1%
Annual Interest Income	$298K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$27.4MM$27.7MM
Loans	Q1 2025vs Q1 2024	$13.5MM$14.5MM
Deposits	Q1 2025vs Q1 2024	$23.5MM$23.8MM
Equity Capital	Q1 2025vs Q1 2024	$3.8MM$3.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$146K$164K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$346K$401K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

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

Member FDIC

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

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

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

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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Gulf Shore Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Share Savings Account

Gulf Shore Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$2.5k	-	Money Market Account

Gulf Shore Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Share Draft

Gulf Shore Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.08%	$1k	-	12 Month Term Share Certificate
3.25%	$1k	-	24 Month Term Share Certificate
3.25%	$1k	-	36 Month Term Share Certificate

Gulf Shore Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.08%	$1k	-	12 Month IRA Share Certificate
3.25%	$1k	-	24 Month IRA Share Certificate
3.25%	$1k	-	36 Month IRA Share Certificate
0.40%	$100	-	Variable IRA

Locations

Gulf Shore Federal Credit Union Locations
Branch Office	1306 N Logan St	Texas City, TX 77590-5046

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