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Gulf Trust Federal Credit Union

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Gulf Trust Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gulf Trust 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: April 18, 2026

You can compare Gulf Trust Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 0.20%. Savings rates are at 0.25% and money market rates are at 0.45%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to Gulf Trust Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Gulf Trust Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.14%. Rates were last updated on 04/18/2026.

Gulf Trust 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 Trust Federal Credit Union? Share your experience about Gulf Trust Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Gulf Trust Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.14%

Excellent Lower than avg

Gulf Trust Federal Credit Union
Gulf Trust Federal Credit Union

2533 Denny Ave
Pascagoula, MS 39567

https://www.gulftrustcu.org

Gulf Trust Federal Credit Union Savings Rates

Product	Rate	APY	View More
Vacation Club	0.20%	0.20%
No additional details. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.14%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Gulf Trust 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 Trust 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 Trust Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gulf Trust Federal Credit Union

Website https://www.gulftrustcu.org

Address 2533 Denny Ave, Pascagoula, MS 39567

Phone 228-762-0659

Fax 228-762-0377

President David Lowery

CEO Jennifer Spiriti

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.14%

Return on Assets (ROA)

0.6448%

Return on Equity (ROE)

3.0886%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

25,923,093

Total Amount of Shares and Deposits

20,399,833

Total Shares and Deposits < 1 Year

19,774,076

Total Shares and Deposits 1 3 Years

517,045

Total Shares and Deposits > 3 Years

108,712

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

1,204,690

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

1,204,690

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

19,195,143

Total Interest Expense (Sum of items 6 8)

162,964

Share Certificates

120

Number of Accounts for Share Drafts

1,416

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,064

All other shares

3,097

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,207,554

Total Liabilities

20,525,482

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Gulf Trust Federal Credit Union

Is Gulf Trust Federal Credit Union a safe place to deposit money?

Yes, Gulf Trust Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1385968134696%, 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 Trust Federal Credit Union operate?

Gulf Trust 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 Trust Federal Credit Union?

Yes, to access services at Gulf Trust 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 Trust 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 Trust Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gulf Trust Federal Credit Union offer online and mobile banking?

Most modern institutions like Gulf Trust 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.gulftrustcu.org.