Gulf States Credit Union

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

Gulf States Credit Union is headquartered in Maitland and is the 100th largest credit union in the state of Florida. It is also the 2,881st largest credit union in the nation. It was established in 1960 and as of December of 2018, it had grown to 12 employees and 3,524 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 - YTD0.67%
Return on Equity - YTD4.3%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$29.9MM$29.7MM
LoansQ4 2018vs Q4 2017$14.1MM$13.3MM
DepositsQ4 2018vs Q4 2017$25.1MM$25.0MM
Equity CapitalQ4 2018vs Q4 2017$4.7MM$4.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$95.00K$83.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$147.00K$112.00K
Real Estate OwnedQ4 2018vs Q4 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

1.81%$1k-60 Month CD
1.31%$1k-48 Month CD
1.21%$1k-36 Month CD
1.16%$1k-24 Month CD
1.01%$1k-18 Month CD
0.96%$1k-12 Month CD
0.36%$1k-6 Month CD
0.21%$1k-3 Month CD

Gulf States Credit Union IRA Rates

1.81%$1k-60 Month IRA Certificate
1.31%$1k-48 Month IRA Certificate
1.21%$1k-36 Month IRA Certificate
1.16%$1k-24 Month IRA Certificate
1.01%$1k-18 Month IRA Certificate
0.96%$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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