Gulf Winds Federal Credit Union


Overview / Commentary
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 406th largest credit union in the nation. It was established in 1954 and as of December of 2023, it had grown to 241 employees and 81,853 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

Reviews (1)

Gulf Winds Don't Blow

Posted by: |

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
B+

Health Grade Components

Overall
NCUA #68694
Year Chartered1954
Employees241
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD9.86%
Annual Interest Income$44.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.11B$1.04B
LoansQ4 2023vs Q4 2022$730.9MM$647.4MM
DepositsQ4 2023vs Q4 2022$985.7MM$916.1MM
Equity CapitalQ4 2023vs Q4 2022$76.8MM$66.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$7.2MM$6MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$4.3MM$5.5MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%-$10kHigh-Yield Checking

Gulf Winds Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%$500-5 Month CD Special
5.00%$2.5k-12 Month Rate Bump 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-10 Month IRA Special
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
Locations

Availability



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