5140 W Parkway St
Groves, TX 77619
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.20% →
1-Year CD 0.55% 1.10% →
2-Year CD 0.90% 1.15% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Gulf is an NCUA insured institution located in Groves, TX. It was founded in 1941 and has approximately $288.04 millions in assets.

Who can join?

If you live or work in Jefferson, Hardin, or Orange County you may join Gulf Credit Union.

NCUA Insured Yes
Charter Number # # 60205
Date Established 1941
Assets $288.04 million
Loans $151.38 million
Deposits $265.07 million
Capital $22.66 million

Field of Membership Restrictions

Gulf Credit Union of Texas is open to the resident and the people that maintain employment within these qualified counties: Jefferson, Hardin, and Orange.

Deposit Rates - August 7, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.11% $10,000 $14,999 Learn More
36 Mo CD
1.11% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 7, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GULF

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.870% 2.800% 0.88 $2,296 $1,028 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to GULF
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Gulf branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Gulf Locations

Financial Details

Gulf Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gulf. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Gulf U.S. Average
3.61% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Gulf had $664,376 in non-current loans and $175,665 in owned assets. To cover these potential losses it had $22,660,169 in net worth and $624,747 in loans loss reserves. That gives it a Texas Ratio of 3.61%.

Net Worth
Gulf U.S. Average
7.86% 13.61%

Gulf FCU has a net worth of 7.86% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Gulf

Branches and Savings

What is Gulf?

A federal credit union, registered with the NCUA under certificate #60205.
Learn more about credit unions here.

Is Gulf FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Gulf?

Please see Field of Membership information above for information on who is eligible to join.

What are Gulf's share account and share certificate rates?

Gulf's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Gulf?

Gulf has total capital of $22.66 million. Full information on Gulf's financial position is located above.

Who owns Gulf?

Credit Unions are owned by their members.

Where are Gulf branches located?

See branch locations nearby.

Are Gulf ATMs Open 24/7?

Do Gulf ATMs accept cash deposits?

Can Gulf customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Gulf have a mobile app?

Does Gulf have mobile deposit?

Does Gulf have quick pay?

How can Gulf transfer money to other banks or credit unions?

Does Gulf report to credit bureaus?

Does Gulf use Chexsystems?

Does Gulf use Equifax?

What is Gulf's toll free phone number?

What is Gulf's ACH Routing Number?

What is Gulf's SWIFT code?

Where can I find Gulf's wire transfer form?

What is the Gulf address for deposits?

What Products Does Gulf Offer

Does Gulf offer mortgages?

Compare mortgage rates here.

Does Gulf offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gulf offer auto and RV loans?

Compare auto loan rates here.

Does Gulf offer student loans or personal loans?

Compare personal loan rates here.

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