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 408th largest credit union in the nation. It was established in 1954 and as of September of 2023, it had grown to 241 employees and 83,184 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 Grade Components

NCUA #68694
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD12.01%
Annual Interest Income$32.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.09B$1.03B
LoansQ3 2023vs Q3 2022$712.9MM$628.7MM
DepositsQ3 2023vs Q3 2022$955.7MM$935.3MM
Equity CapitalQ3 2023vs Q3 2022$67.8MM$61.9MM
Loan Loss AllowanceQ3 2023vs Q3 2022$6.6MM$5.5MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.9MM$4MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Report an Issue

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

5.35%$500-5 Month CD Special
5.05%$2.5k-12 Month Rate Bump Special CD
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

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


Mobile Area

Interactive local rates map

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.