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 Gulf Coast Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 12, 2026
Gulf Coast Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its CD Account 6 month, 1.65% APY on money market accounts, 7.75% on its Purchase/Refinance/Cash Out Jumbo Loan to $1,599,999.99 mortgage, and personal loans from 11.49% APR, according to rates verified by MonitorBankRates. Other Gulf Coast Federal Credit Union CD rates include CD Account 12 month at 3.85%, IRA Term CD - 12 month at 3.55%, and IRA Term CD - 24 month at 3.40%. Other Gulf Coast Federal Credit Union mortgage rates include Purchase/Refinance/Cash Out Super Jumbo Loan at 8.00%. MonitorBankRates evaluates the financial stability of Gulf Coast Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.06%. Rates last updated and verified on 10/12/2026. Gulf Coast Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gulf Coast Federal Credit Union? Share your experience about Gulf Coast Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Gulf Coast Federal Credit Union. Gulf Coast Federal Credit Union
Rodd Field 2633 Rodd Field Rd
https://www.ccgcfcu.com Corpus Christi, TX 78414-3145  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Gulf Coast Federal Credit Union CD Rates
Gulf Coast Federal Credit Union Savings Rates
Gulf Coast Federal Credit Union Money Market Rates
Gulf Coast Federal Credit Union Mortgage Rates
Gulf Coast Federal Credit Union Auto Loan Rates
Gulf Coast Federal Credit Union Personal Loan Rates
Gulf Coast Federal Credit Union Other Rates
Financial Health HistoryGulf Coast Federal Credit Union’s Texas Ratio fell from 24.51% in Q3 2023 to 11.06% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.2 to 5.0 and its Health Grade from C+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Gulf Coast Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Gulf Coast Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Gulf Coast Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Gulf Coast Federal Credit Union
Website
https://www.ccgcfcu.com
Address
2633 Rodd Field Rd,
Corpus Christi, TX 78414-3145
Phone
361-980-8203
Fax
361-980-9665
President
Hector Bernal
CEO
Jeremy Garza
Full-Time Employees
87
Part-Time Employees
0
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.06%
Return on Assets (ROA)
0.2219%
Return on Equity (ROE)
2.6562%
Non-Performing Loans Ratio (NPL)
1.31%
Total Assets
259,789,397
Total Amount of Shares and Deposits
235,774,492
Total Shares and Deposits < 1 Year
210,188,101
Total Shares and Deposits 1 3 Years
25,586,388
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,650,254
Total Uninsured Shares and Deposits > $250K (F+J)
9,650,254
Total Insured Shares and Deposits > $250K (item 17 less item K)
226,124,238
Total Interest Expense (Sum of items 6 8)
3,266,196
Share Certificates
2,496
Number of Accounts for Share Drafts
7,879
IRA KEOGH Accounts
606
Number of Accounts for Regular Shares
17,836
Non Member Deposits
7
Money Market Shares
269
Net Income (unless the amount is already included in Undivided Earnings)
576,367
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,075,443
Total Liabilities
238,090,868
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Gulf Coast Federal Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Gulf Coast Federal Credit UnionHow many branches does Gulf Coast Federal Credit Union operate?Gulf Coast Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Gulf Coast Federal Credit Union?Yes, to access services at Gulf Coast Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Gulf Coast Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Gulf Coast Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Gulf Coast Federal Credit Union offer online and mobile banking?Most modern institutions like Gulf Coast Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ccgcfcu.com. Current Gulf Coast Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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