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Gulf Winds Federal Credit Union

Popular Accounts at this Credit Union

1.50%Reward CheckingMyHigh-Yield Share Draft Checking
2.02%5-year CD60 Month CD
0.75%1-year CD12 Month CD

Overview / Commentary
220 E Nine Mile Rd
Pensacola, FL 32534-3145

Gulf Winds Federal Credit Union is headquartered in Pensacola and is the 23rd largest credit union in the state of Florida. It is also the 424th largest credit union in the nation. It was established in 1954 and as of September of 2016, it had grown to 165 employees and 58,854 members at 12 locations. Gulf Winds Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Escambia, Santa Rosa, Leon, Gadsden, Wakulla, or Jefferson Counties, Florida and Escambia County, Alabama or businesses and legal entities in the prescribed area. Membership is also open to immediate family of existing members.
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Reviews (1)

Gulf Winds Don't Blow

Posted by: Kennedy | Oct 26, 2015

Gulf Winds Credit Union is a local focused credit union with a rather professional and up to date offering of services. They have a majority if the services larger banks offer all with a small company approach of service. For the most part there is little to complain about. Great rates on financing and somewhat competitive savings options. All in all a very good, locally grown, person focused company.


Health Grade Components

NCUA #24702
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.17%
Annual Interest Income$13.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$625.9MM$551.4MM
LoansQ3 2016vs Q3 2015$376.0MM$332.3MM
DepositsQ3 2016vs Q3 2015$549.4MM$479.2MM
Equity CapitalQ3 2016vs Q3 2015$68.6MM$65.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.1MM$2.8MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.3MM$1.2MM
Real Estate OwnedQ3 2016vs Q3 2015$98.00K$183.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gulf Winds Federal Credit Union Savings Account Rates

0.30%--IRA Share Savings
0.30%--Roth IRA Share Savings
0.20%--Primary Share Savings
0.20%--Special Share Savings
0.20%--MyMoney Kids Account Share Savings
0.20%--MyMoney Teens Account Share Savings
0.20%$25-Business Share Savings

Gulf Winds Federal Credit Union Checking Account Rates

1.50%*-$10kMyHigh-Yield Share Draft Checking
OTHER TIERS: 0.10% $10k+

Gulf Winds Federal Credit Union CD Rates

2.02%$500-60 Month CD
1.76%$500-48 Month CD
1.51%$500-36 Month CD
1.26%$500-24 Month CD
1.00%$500-18 Month CD
0.75%$500-12 Month CD
0.60%$500-6 Month CD

Gulf Winds Federal Credit Union IRA Rates

2.12%$500-60 Month IRA
1.87%$500-48 Month IRA
1.61%$500-36 Month IRA
1.36%$500-24 Month IRA
1.11%$500-18 Month IRA
0.85%$500-12 Month IRA
0.70%$500-6 Month IRA

Gulf Winds Federal Credit Union has 12 locations. Click to view all Gulf Winds Federal Credit Union locations.