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Gulf Winds Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
Bonus Amount
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.gogulfwinds.com
850-479-9601
220 E Nine Mile Rd
Pensacola, FL 32534

Gulf Winds Federal Credit Union is headquartered in Pensacola and is the 24th largest credit union in the state of Florida. It is also the 389th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 227 employees and 72,411 members at 13 locations. Gulf Winds Federal Credit Union's money market rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Gulf Winds Federal Credit Union offers membership to those who live, work, worship, or attend school in Florida counties of Alachua, Baker, Bay, Bradford, Calhoun, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Putnam, Santa Rosa, Saint Johns, Suwannee, Taylor, Union, Wakulla, Walton, and Washington; Alabama Counties of Baldwin, Butler, Clarke, Coffee, Conecuh, Covington, Crenshaw, Dale, Escambia, Geneva, Henry, Houston, Mobile, Monroe, Washington, and Wilcox; Georgia Counties of Atkinson, Baker, Berrien, Brantley, Brooks, Camden, Charlton, Clinch, Colquitt, Cook, Decatur, Early, Echols, Glynn, Grady, Lanier, Lowndes, Miller, Mitchell, Pierce, Seminole, Thomas, and Ware.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68694
Year Chartered1954
Employees227
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD11.94%
Annual Interest Income$15.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.22B$1.15B
LoansQ1 2025vs Q1 2024$858.7MM$736.2MM
DepositsQ1 2025vs Q1 2024$1.11B$1.03B
Equity CapitalQ1 2025vs Q1 2024$96.8MM$77.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.4MM$7.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.2MM$3.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
APY APY = Annual Percentage Yield Rates as of 7/6/2025
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
Bonus Amount
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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$5-Primary Share Savings
0.15%$0-Special Share Savings
0.15%$5-Business Share Savings
0.15%$0-Holiday Share Savings
0.15%$0-Special Business Share Savings

Gulf Winds Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$500k*-Money Market
OTHER TIERS: 0.20% → $0 - $2.5k | 0.40% → $2.5k - $25k | 1.05% → $25k - $75k | 1.30% → $75k - $150k | 1.65% → $150k - $250k | 2.05% → $250k - $500k

Gulf Winds Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$0$10kHigh-Yield Checking

Gulf Winds Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-5 Month CD Special
3.80%$500$250k10 Month CD Special
3.80%$500$250k13 Month CD Special
3.25%$500-60 Month CD
3.10%$500-48 Month CD
3.00%$500-24 Month CD
3.00%$500-36 Month CD
2.90%$500-18 Month CD
2.60%$500-12 Month CD
2.00%$500-6 Month CD

Gulf Winds Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-10 Month IRA Special
3.35%$500-60 Month IRA
3.20%$500-48 Month IRA
3.10%$500-24 Month IRA
3.10%$500-36 Month IRA
3.00%$500-18 Month IRA
2.70%$500-12 Month IRA
2.10%$500-6 Month IRA
0.15%$0-IRA Share Savings
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