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iAdvertiser Disclosure
Advertiser Disclosure
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 Gulf Shore Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 17, 2026
Gulf Shore Federal Credit Union's Share Term CD 12 month rates are at 4.08%, Share Term CD 24 month rates are at 3.25%, Share Term CD 36 month rates are at 3.25%. Gulf Shore Federal Credit Union's money market rates are at 0.40%. Gulf Shore Federal Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Gulf Shore Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.87%. Rates were last updated on 04/17/2026. Gulf Shore 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 Shore Federal Credit Union? Share your experience about Gulf Shore Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Gulf Shore Federal Credit Union. Gulf Shore Federal Credit Union
Gulf Shore FCU 1306 N Logan St
https://www.gulfshorefcu.org Texas City, TX 77590 5046 
Gulf Shore Federal Credit Union CD Rates
Gulf Shore Federal Credit Union Money Market Rates
Gulf Shore Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Gulf Shore 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 Shore 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 Shore Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Gulf Shore Federal Credit Union
Website
https://www.gulfshorefcu.org
Address
1306 N Logan St,
Texas City, TX 77590 5046
Phone
409-945-2318
Fax
409-948-0612
President
Thomas Clark
CEO
Brad Jackson
Full-Time Employees
6
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.87%
Return on Assets (ROA)
0.2859%
Return on Equity (ROE)
2.0556%
Non-Performing Loans Ratio (NPL)
2.06%
Total Assets
27,565,094
Total Amount of Shares and Deposits
23,608,338
Total Shares and Deposits < 1 Year
23,491,856
Total Shares and Deposits 1 3 Years
116,482
Total Insured Shares and Deposits > $250K (item 17 less item K)
23,608,338
Total Interest Expense (Sum of items 6 8)
113,284
Share Certificates
98
Number of Accounts for Share Drafts
1,412
IRA KEOGH Accounts
32
Number of Accounts for Regular Shares
3,204
Money Market Shares
80
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,493,339
Total Liabilities
23,744,605
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Gulf Shore Federal Credit UnionIs Gulf Shore Federal Credit Union a safe place to deposit money?Yes, Gulf Shore Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.8747626162919%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Gulf Shore Federal Credit Union operate?Gulf Shore 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 Shore Federal Credit Union?Yes, to access services at Gulf Shore 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 Shore 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 Shore Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Gulf Shore Federal Credit Union offer online and mobile banking?Most modern institutions like Gulf Shore 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.gulfshorefcu.org. Current Gulf Shore Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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