Gulf Winds Federal Credit Union

Overview / Commentary
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 411th largest credit union in the nation. It was established in 1954 and as of June of 2023, it had grown to 233 employees and 82,136 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.
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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 - YTD0.58%
Return on Equity - YTD8.68%
Annual Interest Income$20.7MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.06B$1.02B
LoansQ2 2023vs Q2 2022$689.5MM$603.2MM
DepositsQ2 2023vs Q2 2022$951.6MM$943.2MM
Equity CapitalQ2 2023vs Q2 2022$70.8MM$63.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$6.1MM$5.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$3.2MM$3.0MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Gulf Winds Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

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

Gulf Winds Federal Credit Union Money Market Rates

2.50%*$500k*-Money Market
OTHER TIERS: 0.30% Up to $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

2.00%-$10kHigh-Yield Checking

Gulf Winds Federal Credit Union CD Rates

5.45%$500$250k10 Month CD Special
5.25%$500-5 Month CD Special
5.15%$500$250k19 Month CD Special
3.50%$500-60 Month CD
3.35%$500-48 Month CD
3.25%$500-36 Month CD
3.20%$500-24 Month CD
3.15%$500-18 Month CD
2.60%$500-12 Month CD
2.00%$500-6 Month CD

Gulf Winds Federal Credit Union IRA Rates

3.60%$500-60 Month IRA
3.45%$500-48 Month IRA
3.35%$500-36 Month IRA
3.30%$500-24 Month IRA
3.25%$500-18 Month IRA
2.70%$500-12 Month IRA
2.10%$500-6 Month IRA


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