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 Gulf Winds Credit Union Rates & Review September 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: September 22, 2026
Gulf Winds Credit Union's 13 Month CD Special Account rates are at 4.17%, 13 Month IRA Special rates are at 4.17%, 5 Month CD Special Account rates are at 4.05%, 5 Month IRA Special rates are at 4.05%, 60 Month IRA rates are at 3.70%. Gulf Winds Credit Union's savings rates are at 0.05%. Gulf Winds Credit Union's money market rates are at 0.30%. Gulf Winds Credit Union's Personal Loan Rates are as low as 9.99%. Gulf Winds Credit Union's Credit Card Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Gulf Winds Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.36%. Rates last updated and verified on 09/22/2026. Gulf 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 money market rates and 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. Gulf Winds Credit Union
Administration Building 220 E Nine Mile Rd
https://www.gogulfwinds.com Pensacola, FL 32534-3145 
Gulf Winds Credit Union CD Rates
Gulf Winds Credit Union Savings Rates
Gulf Winds Credit Union Money Market Rates
Gulf Winds Credit Union Checking Rates
Gulf Winds Credit Union Auto Loan Rates
Gulf Winds Credit Union RV, Boat and Powersport Loan Rates
Gulf Winds Credit Union Credit Card Rates
Gulf Winds Credit Union Personal Loan Rates
Gulf Winds Credit Union Other Rates
Financial Health HistoryGulf Winds Credit Union’s Texas Ratio rose from 2.85% in Q2 2023 to 3.36% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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MonitorBankRates
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 Winds 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 Winds 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 Winds Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Gulf Winds Credit Union
Website
https://www.gogulfwinds.com
Address
220 E Nine Mile Rd,
Pensacola, FL 32534-3145
Phone
850-479-9601
Fax
850-479-5830
President
Bill Fritchman
CEO
Daniel Souers
Full-Time Employees
237
Part-Time Employees
5
Branch Locations
12
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.36%
Return on Assets (ROA)
0.2119%
Return on Equity (ROE)
2.1325%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
1,328,066,947
Total Amount of Shares and Deposits
1,190,795,391
Total Shares and Deposits < 1 Year
1,141,796,500
Total Shares and Deposits 1 3 Years
42,407,916
Total Shares and Deposits > 3 Years
6,590,975
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
57,658,755
Total Uninsured Shares and Deposits > $250K (F+J)
57,658,755
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,133,136,636
Total Interest Expense (Sum of items 6 8)
4,659,614
Share Certificates
7,067
Number of Accounts for Share Drafts
54,382
IRA KEOGH Accounts
1,635
Number of Accounts for Regular Shares
86,537
Money Market Shares
1,905
Net Income (unless the amount is already included in Undivided Earnings)
1,232,582
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)
188,302,919
Total Liabilities
1,208,641,421
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Gulf Winds Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Gulf Winds Credit Union
Frequently Asked Questions About Gulf Winds Credit UnionHow many branches does Gulf Winds Credit Union operate?Gulf Winds 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 Winds Credit Union?Yes, to access services at Gulf Winds 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 Winds 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 Winds Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Gulf Winds Credit Union offer online and mobile banking?Most modern institutions like Gulf Winds 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.gogulfwinds.com. Current Gulf Winds Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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