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 101st largest credit union in the state of Florida. It is also the 2,885th largest credit union in the nation. It was established in 1960 and as of September of 2019, it had grown to 11 employees and 3,382 members at 1 location. Gulf States Credit Union's CD rates are 18% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Gulf States Credit Union is open to anyone who lives or works in Casselberry, Fern Park, or Maitland Florida, and current employees of the credit union's affiliated select employer groups, and/or the partner companies. Immediate family of current credit union members may also join.
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 - YTD0.51%
Return on Equity - YTD3.15%
Annual Interest Income$849.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$29.7MM$30.5MM
LoansQ3 2019vs Q3 2018$12.9MM$14.2MM
DepositsQ3 2019vs Q3 2018$24.8MM$25.7MM
Equity CapitalQ3 2019vs Q3 2018$4.8MM$4.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$86.00K$94.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$76.00K$150.00K
Real Estate OwnedQ3 2019vs Q3 2018$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
0.31%--Business IRA Share Account
0.16%--Health Savings Account
0.11%--Share Savings Account
0.11%--Club Account
0.11%--Christmas Club Account
0.11%--Business Share Account
0.11%--Business Club Account

Gulf States Credit Union Money Market Rates

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

Gulf States Credit Union CD Rates

2.01%$1k-60 Month CD
1.46%$1k-Business 60 Month CD
1.36%$1k-24 Month CD
1.31%$1k-48 Month CD
1.21%$1k-18 Month CD
1.21%$1k-36 Month CD
1.11%$1k-Business 48 Month CD
1.06%$1k-12 Month CD
0.86%$1k-Business 36 Month CD
0.81%$1k-6 Month CD
0.76%$1k-Business 24 Month CD
0.71%$1k-Business 18 Month CD
0.56%$1k-Business 12 Month CD
0.31%$1k-Business 6 Month CD
0.21%$1k-3 Month CD
0.21%$1k-Business 3 Month CD

Gulf States Credit Union IRA Rates

2.01%$1k-60 Month IRA Certificate
1.46%$1k-Business 60 Month IRA Certificate
1.36%$1k-24 Month IRA Certificate
1.31%$1k-48 Month IRA Certificate
1.21%$1k-18 Month IRA Certificate
1.21%$1k-36 Month IRA Certificate
1.11%$1k-Business 48 Month IRA Certificate
1.06%$1k-12 Month IRA Certificate
0.86%$1k-Business 36 Month IRA Certificate
0.81%$1k-6 Month IRA Certificate
0.76%$1k-Business 24 Month IRA Certificate
0.71%$1k-Business 18 Month IRA Certificate
0.56%$1k-Business 12 Month IRA Certificate
0.31%$1k-Business 6 Month IRA Certificate
0.21%$1k-3 Month IRA Certificate
0.21%$1k-Business 3 Month IRA Certificate

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

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