Overview / Commentary
9405 S Us Highway 17/92
Maitland, FL 32751-3364

Gulf States Credit Union is headquartered in Maitland and is the 98th largest credit union in the state of Florida. It is also the 2,860th largest credit union in the nation. It was established in 1960 and as of June of 2018, it had grown to 12 employees and 3,609 members at 1 location. Gulf States Credit Union has a B+ health rating.

Field of Membership Restrictions

Gulf States Credit Union of Florida is open to the residents and people that maintain employment within these qualified counties:Casselberry, Maitland, and Fern Park, the current employees of the credit union affiliated select employer groups, and/or the partner companies, and the family members of current credit union members.
See current membership details


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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 States Credit Union has a low asset base.

Health Grade Components

NCUA #68412
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD4.88%
Annual Interest Income$544.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$31.2MM$29.5MM
LoansQ2 2018vs Q2 2017$14.3MM$13.0MM
DepositsQ2 2018vs Q2 2017$26.5MM$25.0MM
Equity CapitalQ2 2018vs Q2 2017$4.6MM$4.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$96.00K$91.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$97.00K$97.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gulf States Credit Union Savings Account Rates

0.31%--IRA Share Account
0.16%--Health Savings Account
0.11%--Share Savings Account
0.11%--Club Account

Gulf States Credit Union Money Market Rates

0.31%*$25k*-Money Market Account
OTHER TIERS: 0.06% Up to $5k | 0.11% $5k - $10k | 0.16% $10k - $25k

Gulf States Credit Union CD Rates

1.61%$1k-60 Month CD
1.11%$1k-48 Month CD
0.96%$1k-36 Month CD
0.91%$1k-24 Month CD
0.86%$1k-18 Month CD
0.71%$1k-12 Month CD
0.36%$1k-6 Month CD
0.21%$1k-3 Month CD

Gulf States Credit Union IRA Rates

1.61%$1k-60 Month IRA Certificate
1.11%$1k-48 Month IRA Certificate
0.96%$1k-36 Month IRA Certificate
0.91%$1k-24 Month IRA Certificate
0.86%$1k-18 Month IRA Certificate
0.71%$1k-12 Month IRA Certificate
0.36%$1k-6 Month IRA Certificate
0.21%$1k-3 Month IRA Certificate

Gulf States Credit Union Locations
Branch Office9405 S Us Highway 17/92Maitland, FL 32751-3364

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