Gulf Winds FCU (FL) Adds Competititve 19-Month CD Special


UPDATE: This CD special expired in February 2016.

Availability: Residents of the Florida counties of Escambia, Gadsden, Jefferson, Leon, Santa Rosa, or Wakulla, and Escambia County, Alabama.

Earlier this week, Florida-based Gulf Winds Federal Credit Union (Gulf Winds) added a 19-month CD Special (1.60% APY) to its product line. The minimum deposit is $500, with no balance cap.

The 19-month CD Special is also available as an IRA (Traditional and Roth), earning the same APY and with the same funding requirements.

As stated on Gulf Winds’s Membership Account Disclosure page, the Early Withdrawal Penalty reads as follows:

The penalty imposed will equal 180 days of dividends on the amount
withdrawn on 19, 24, 36, 48 and 60 month term share certificates


Headquartered in Pensacola, Florida, Gulf Winds Federal Credit Union's Field of Membership (FOM) is residency based, with individuals who live, work, worship, or attend school in the Florida Panhandle counties of Escambia, Gadsden, Jefferson, Leon, Santa Rosa, or Wakulla eligible to join.

Residents of Escambia County, Alabama, are also eligible for membership.

Immediate family members of current Gulf Winds members also qualify for membership.

Joining Gulf Winds Federal Credit Union and/or opening a CD can be done at any of 11 Florida branches located in Crawfordville, Gulf Breeze, Milton, Pensacola (5), and Tallahassee (3), or two Alabama branches located in Atmore and Brewton.

While Gulf Winds does have online banking capabilities, it's currently limited to account management and bill payment services.

Credit Union Overview

Gulf Winds Federal Credit Union has an overall health grade of "A+" at, with a Texas ratio of 1.96% (excellent) based on September 30, 2015 data. In the past year, Gulf Winds increased its total deposits by $18.11 Million, an excellent annual growth rate of 3.93%. Please refer to our financial overview of Gulf Winds Federal Credit Union for more details.

Gulf Winds Federal Credit Union (NCUA Charter # 24702) was established in 1954 as the former Chemstrand Employees Credit Union and Monsanto Employees Credit Union, serving the employees of those two well-known chemical companies. The Credit Union’s name was changed to better reflect an expanded FOM that included residents of the Panhandle’s western most counties. A merger in 2012 with the Tallahassee-based SCORE Federal Credit Union added four more Florida counties to the FOM. Today, Gulf Winds has more than 56,500 members and assets in excess of $551 Million.

How the CD Compares

When compared to the 154 similar length-of-term CDs tracked by that require a similar minimum deposit and are available to Florida, Gulf Winds Federal Credit Union's 19-month CD Special currently ranks first.

The above rates are accurate as of 2/5/2016.

To search for nationwide CD rates and CD rates in your state, please refer to the CD rates section of

Related Pages: Gulf Winds Federal Credit Union, Tallahassee, Mobile


High-Yield Reward Checking Account at Gulf Winds Federal Credit Union in Pensacola - Local Only

Gulf Winds Federal Credit Union is offering a reward checking account called Gulf Winds High-Yield Checking. Like many new reward checking accounts being launched these days, the balance cap is lower than what we have come to expect. Nevertheless, it's always nice to see a new reward checking account. The rates and features of the account if certain monthly requirements are shown below (as of 10/25/2010):

  • 3.01% APY for balances up to $15,000
  • 0.50% APY for balances over $15,000
  • 0.05% base rate if requirements are not met
  • ATM fee refunds up to $15 per...
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6.01% 30-Month CD at a Florida CU (SCORE FCU)
Score Federal Credit Union is offering a 6.01% APY 30-month certificate of deposit. The minimum is $1,000. The early withdrawal penalty is 91 days of interest. It's also available as an IRA CD.

The field of membership includes those who live, work, worhip or attend school in Leon, Gadsden, Wakulla or Jefferson County. Branches are located in Tallahassee, Florida.

The credit union is NCUA insured. It has $55 million in assets and over 6,000 members.

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