Gulf States Credit Union
Our records indicate that this credit union has been acquired by MCCOY.
Headquarters
P.o. Box 945110
Maitland, FL 32794
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2024 Overview
General Credit Union Information
Gulf States is an NCUA insured institution located in Maitland, FL. It was founded in 1960 and has approximately $37.34 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68412 |
| Date Established | 1960 |
| Assets | $37.34 million |
| Loans | $10.72 million |
| Deposits | $32.29 million |
| Capital | $4.92 million |
Field of Membership Restrictions
Gulf States Credit Union of Florida is open to the residents and people that maintain employment within these qualified counties:Casselberry, Maitland, and Fern Park, the current employees of the credit union affiliated select employer groups, and/or the partner companies, and the family members of current credit union members.
Deposit Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.06% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.16% | $10,000 | $14,999 |
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|
|
Money Market
|
0.16% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.31% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.31% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.41% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.41% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.51% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.51% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.61% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.61% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.71% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.71% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.81% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.81% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.91% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.91% | $100,000 | $199,999 |
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|
Loan Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Gulf States
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Gulf States
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Branches
Below are Gulf States 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:
Columbus,Ohio
Climate Policy and Initiatives
GULF STATES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Gulf States Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Gulf States. 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 States | U.S. Average |
|---|---|
| 2.87% | 6.97 |
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 December 31, 2023, Gulf States had $119,270 in non-current loans and $25,000 in owned assets. To cover these potential losses it had $4,921,411 in net worth and $99,415 in loans loss reserves. That gives it a Texas Ratio of 2.87%.
Net Worth
| Gulf States | U.S. Average |
|---|---|
| 13.18% | 13.62% |
Gulf States FCU has a net worth of 13.18% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Gulf States
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