What are the current interest rates at Gulf Coast Federal Credit Union?

Current rates for Gulf Coast Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.25%, 24-Month CD: 3.35%, MMA: 0.50%

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Gulf Coast Federal Credit Union

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Gulf Coast Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Gulf Coast Federal Credit Union's 6 month CD Accounts(C.D.'S) rates are at 4.00%, 12 month CD Accounts(C.D.'S) rates are at 3.85%, 12 Month IRA Term CDs rates are at 3.55%, 24 Month IRA Term CDs rates are at 3.40%, 24 month CD Accounts(C.D.'S) rates are at 3.35%. Gulf Coast Federal Credit Union's money market rates are at 0.50%. Gulf Coast Federal Credit Union's Purchase/Refinance/Cash Out Jumbo Loan to $1,599,999.99) rates are at 7.25%, Purchase/Refinance/Cash Out Super Jumbo Loan rates are at 7.50%. Gulf Coast Federal Credit Union's Personal Loan Rates are as low as 11.49%. 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 7.15%. Rates last updated and verified on 09/14/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.15%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Gulf Coast Federal Credit Union
Rodd Field

2633 Rodd Field Rd
Corpus Christi, TX 78414-3145

https://www.ccgcfcu.com

Gulf Coast Federal Credit Union CD Rates

Product	Rate	APY	Term
6 month Term Share Accounts(C.D.'S)	3.93%	4.00%	6 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
12 month Term Share Accounts(C.D.'S)	3.78%	3.85%	12 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
12 Month IRA Term Share Certificates	3.49%	3.55%	12 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
24 Month IRA Term Share Certificates	3.34%	3.40%	24 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
24 month Term Share Accounts(C.D.'S)	3.30%	3.35%	24 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
18 month Term Share Accounts(C.D.'S)	3.20%	3.25%	18 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
36 month Term Share Accounts(C.D.'S)	2.96%	3.00%	36 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
36 Month IRA Term Share Certificates	2.91%	2.95%	36 Months
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Gulf Coast Federal Credit Union Savings Rates

Product	Rate	APY
Christmas & Vacation Club	0.50%	0.50%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Regular Share Accounts	0.25%	0.25%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Gulf Coast Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	1.64%	1.65%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Accounts	0.75%	0.75%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Money Market Accounts	0.50%	0.50%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Gulf Coast Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Purchase/Refinance/Cash Out Jumbo Loan to $1,599,999.99)	7.25%	-	7.37%	30 year fixed
Details $1,000,000; As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Purchase/Refinance/Cash Out Super Jumbo Loan	7.50%	-	7.63%	30 year fixed
Details $1,600,000.00+; As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Gulf Coast Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Purchase	-	-	4.99%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Gulf Coast Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loans (Signature) - Line of Credit	11.49%	Line of Credit
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Unsecured Loans (Signature) - Up to 60 Months	11.49%	Up to 60 Months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Gulf Coast Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd or Vacation Home Purchase/Refinance	7.35%	-	7.43%	20 year fixed
Details As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Home Purchase Loan	-	-	6.10%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Home Purchase/Refinance/Cash Out-Homestead	6.50%	-	6.56%	30 year fixed
Details As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Home Purchase/Refinance/Cash Out-Homestead	6.25%	-	6.33%	20 year fixed
Details As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Home Purchase/Refinance/Cash Out-Homestead	6.00%	-	6.10%	15 year fixed
Details As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Purchase/Refinance Land/Lot Loan	8.00%	-	8.30%	15 year fixed
Details As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Purchase/Refinance/Cash Out Investment Loan	7.50%	-	7.68%	15 year fixed
Details As Low As Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
IRA Share	1.00%	-	1.00%
Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Cash Checking	3.45%	-	3.50%
Min Deposit $25 Min Balance $25,000 Details Qualifications Required: average daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 3.45% resulting in an APY of 3.50%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000, resulting in a non-compounding APY of 3.50% to 0.90% APY depending on the account's average daily balance; Reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.; Earn a competitive dividend rate on your balance every month, plus ATM withdrawal free refunds nationwide! Learn More; Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. Fees may reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Cash Checking	0.25%	-	0.90%
Min Deposit $25 Min Balance $25,000 Details Qualifications Required: average daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 3.45% resulting in an APY of 3.50%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000, resulting in a non-compounding APY of 3.50% to 0.90% APY depending on the account's average daily balance; Reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.; Earn a competitive dividend rate on your balance every month, plus ATM withdrawal free refunds nationwide! Learn More; Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. Fees may reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $25 Details When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. Fees may reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Cash Checking	-	-	3.50%
Min Deposit $25 Details Qualifications Required: Dividend rate of 3.45% on balances up to $25,000; Dividend rate of 0.25% on balances over $25,000; Reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees; When Kasasa Cash qualifications are met, average daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 3.45% resulting in an APY of 3.50%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000, resulting in a non-compounding APY of 3.50% to 0.90% APY depending on the account's average daily balance. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05%. Reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
KASASA REWARD CHECKING	3.45%	-	3.50%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
KASASA REWARD CHECKING	0.25%	-	0.25%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
KASASA REWARD CHECKING & SAVER (Non-Qualified Rate)	0.05%	-	0.05%
Details All Balances Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
KASASA REWARD SAVER	2.47%	-	2.50%
Min Balance $0 Details Qualifying balance up to $50,000.00 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
KASASA REWARD SAVER	2.23%	-	2.25%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Saver Savings	2.47%	-	2.50%
Min Balance $50,000 Details Qualifications Required: linked Kasasa Cash account qualifications are met; A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.; When your linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000 in your Kasasa Saver account earn a rate of 2.47% which results in an APY of 2.50% and a dividend rate of 2.23% on the portion of the average daily balance over $50,000, resulting in a range from 2.50% to 2.33% APY depending on the account's average daily balance. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. Fees may reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Saver Savings	0.05%	-	0.05%
Details A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.; When your linked Kasasa Cash account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns a dividend rate of 0.05% resulting in an annual percentage yield of .005% APY. Dividends will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. Fees may reduce earnings. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Kasasa Saver Savings	2.47%	-	2.50%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $50,000.00; Results in blended APY of 2.50% - 2.33% on balances over $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Super Shares Account	0.30%	-	0.30%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Super Shares Account	0.40%	-	0.40%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%
Super Shares Account	0.50%	-	0.50%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Gulf Coast Federal Credit Union’s Texas Ratio fell from 21.49% in Q2 2023 to 7.15% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.5 to 5.0 and its Health Grade from B 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$265M	7.15%	5.0	A
December 31, 2025	$277M	19.44%	4.6	B
September 30, 2025	$291M	17.84%	4.8	B+
June 30, 2025	$295M	16.85%	4.9	A-
March 31, 2025	$309M	15.54%	5.0	A-
December 31, 2024	$293M	21.80%	4.4	B
September 30, 2024	$307M	18.43%	4.7	B+
June 30, 2024	$324M	21.95%	4.4	B
March 31, 2024	$333M	15.01%	5.0	A-
December 31, 2023	$326M	25.19%	4.2	C+
September 30, 2023	$317M	24.51%	4.2	C+
June 30, 2023	$320M	21.49%	4.5	B

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 91

Part-Time Employees 0

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.15%

Return on Assets (ROA)

-0.0033%

Return on Equity (ROE)

-0.0411%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

264,926,776

Total Amount of Shares and Deposits

242,065,331

Total Shares and Deposits < 1 Year

223,399,849

Total Shares and Deposits 1 3 Years

18,665,482

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,573,033

Total Uninsured Shares and Deposits > $250K (F+J)

10,573,033

Total Insured Shares and Deposits > $250K (item 17 less item K)

231,492,298

Total Interest Expense (Sum of items 6 8)

1,734,862

Share Certificates

2,550

Number of Accounts for Share Drafts

7,906

IRA KEOGH Accounts

593

Number of Accounts for Regular Shares

18,708

Non Member Deposits

Money Market Shares

274

Net Income (unless the amount is already included in Undivided Earnings)

-8,681

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)

19,629,946

Total Liabilities

243,813,294

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Gulf Coast Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Gulf Coast Federal Credit Union

How 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.