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 24th largest credit union in the state of Florida. It is also the 435th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 191 employees and 61,340 members at 12 locations. Gulf Winds Federal Credit Union's CD rates are 94% higher than the national average, and it has 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

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

Year Established1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD7.17%
Annual Interest Income$16.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$664.0MM$646.3MM
LoansQ3 2018vs Q3 2017$425.4MM$406.1MM
DepositsQ3 2018vs Q3 2017$575.8MM$563.9MM
Equity CapitalQ3 2018vs Q3 2017$76.2MM$72.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.2MM$3.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.9MM$2.8MM
Real Estate OwnedQ3 2018vs Q3 2017$169.00K$0
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Gulf Winds Federal Credit Union Savings Account Rates

0.40%--IRA Share Savings
0.30%$5-Primary Share Savings
0.30%--Special Share Savings
0.30%$5-MyMoney Kids Share Savings
0.30%$5-MyMoney Teens Share Savings
0.30%$5-Business Share Savings
0.30%--Holiday Share Savings

Gulf Winds Federal Credit Union Checking Account Rates

1.50%-$10kHigh-Yield Checking

Gulf Winds Federal Credit Union CD Rates

2.50%$500-60 Month CD
2.40%$500-30 Month Holiday Rate CD Special
2.35%$500-48 Month CD
2.25%$500-36 Month CD
2.25%$500-19 Month Holiday Rate CD Special
2.00%$500-24 Month CD
1.80%$500-18 Month CD
1.75%$500-12 Month CD
1.15%$500-6 Month CD

Gulf Winds Federal Credit Union IRA Rates

2.60%$500-60 Month IRA
2.45%$500-48 Month IRA
2.35%$500-36 Month IRA
2.10%$500-24 Month IRA
1.90%$500-18 Month IRA
1.85%$500-12 Month IRA
1.25%$500-6 Month IRA


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