Gulf Winds Federal Credit Union

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

Gulf Winds Federal Credit Union is headquartered in Pensacola and is the 25th largest credit union in the state of Florida. It is also the 440th largest credit union in the nation. It was established in 1954 and as of December of 2019, it had grown to 203 employees and 71,512 members at 13 locations. Gulf Winds Federal Credit Union's CD rates are 33% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Gulf Winds Federal Credit Union offers membership to those who work, worship, attends school and lives in Gadsden, Escambia, Jefferson, Leon, Santa Rosa and Wakulla Counties, Florida or Escambia County, Alabama; business or other legal entities located in the above mentioned counties; as,well as, employees, churches and members of the African Methodist Episcopal churches within the Florida Annual Conference.
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Reviews (1)

Gulf Winds Don't Blow

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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 #68694
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD6.37%
Annual Interest Income$26.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$719.6MM$659.8MM
LoansQ4 2019vs Q4 2018$498.9MM$434.8MM
DepositsQ4 2019vs Q4 2018$627.0MM$575.4MM
Equity CapitalQ4 2019vs Q4 2018$84.1MM$76.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$4.2MM$3.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.7MM$2.6MM
Real Estate OwnedQ4 2019vs Q4 2018$0$279.00K
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Gulf Winds Federal Credit Union Savings Account Rates

0.30%--IRA Share Savings
0.20%$5-Primary Share Savings
0.20%--Special Share Savings
0.20%$5-MyMoney Kids Share Savings
0.20%$5-MyMoney Teens Share Savings
0.20%$5-Business Share Savings
0.20%--Holiday Share Savings

Gulf Winds Federal Credit Union Checking Account Rates

2.00%-$10kHigh-Yield Checking

Gulf Winds Federal Credit Union CD Rates

1.45%$500-48 Month CD
1.45%$500-60 Month CD
1.35%$500-24 Month CD
1.35%$500-36 Month CD
1.25%$500-18 Month CD
1.20%$500-12 Month CD
0.85%$500-6 Month CD

Gulf Winds Federal Credit Union IRA Rates

1.55%$500-48 Month IRA
1.55%$500-60 Month IRA
1.45%$500-24 Month IRA
1.45%$500-36 Month IRA
1.35%$500-18 Month IRA
1.30%$500-12 Month IRA
0.95%$500-6 Month IRA


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