Gulf Winds Credit Union Rates and Review January 2026
Compare Gulf Winds Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Gulf Winds Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityGulf Winds Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Gulf Winds Credit Union? Share your experience about Gulf Winds Credit Union by leaving a review below, or read customer reviews before you decide to use Gulf Winds Credit Union. Overall, Gulf Winds Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Gulf Winds Credit Union Administration Building 220 E Nine Mile Rd Pensacola, FL 32534 3145  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonPlatinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
Visa Credit Card
11.900%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonDebt Consolidation
13.990%
$0
1 - 72
Next Step Loan
10.500%
$0
Personal Loan
12.250% - 17.000%
$0 - $20,000
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Gulf Winds Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Gulf Winds Credit Union
Website: https://www.gogulfwinds.com
Full Time Employees: 235Part Time Employees: 4 President: Bill Fritchman CEO: Daniel Souers Branch Locations: 12 ATM Locations: 11 Corporate Office Address:
220 E Nine Mile Rd
Pensacola, FL 32534 3145 Phone Number: 850-479-9601 Fax Number: 850-479-5830 FinancialsTotal Assets:
1,235,543,639
Total Amount of Shares and Deposits:
1,070,993,965
Total Shares and Deposits < 1 Year:
1,022,257,381
Total Shares and Deposits 1 3 Years:
42,997,984
Total Shares and Deposits > 3 Years:
5,738,599
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
59,471,821
Total Uninsured Shares and Deposits > $250K (F+J):
59,471,821
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,011,522,144
Total Interest Expense (Sum of items 6 8):
12,866,896
Share Certificates:
6,383
Number of Accounts for Share Drafts:
54,129
IRA KEOGH Accounts:
1,621
Number of Accounts for Regular Shares:
85,341
Money Market Shares:
1,808
Net Income (unless the amount is already included in Undivided Earnings):
1,475,144
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
113,010,039
Total Liabilities:
1,124,727,326
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Gulf Winds Credit UnionIs a member application needed to join Gulf Winds Credit Union?Yes, to access services at Gulf Winds Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Gulf Winds Credit Union provides a range of mortgage and home equity products. Is Gulf Winds Credit Union a safe place to deposit money?Yes, Gulf Winds Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Gulf Winds Credit Union offer online and mobile banking?Most modern institutions like Gulf Winds Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.50%, 6-month CD rates at 2.00% and 3-month CD rates at 4.16%. Savings rates are at 4.20% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 5.78%. Credit Card rates are at 15.25%. Personal Loan rates are at 16.24%. All these rates, and more, can be found in our database of rates which you can compare to 
