Gulf Winds Federal Credit Union

Headquarters

220 E Nine Mile Rd
Pensacola, FL 32534
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 5.25% →
2-Year CD N.A. 4.50% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Gulf Winds is an NCUA insured institution located in Pensacola, FL. It was founded in 1954 and has approximately $671.76 millions in assets.

Who can join?

Anyone who lives, works, worships, or attends school in Escambia, Santa Rosa, Leon, Gadsden, Wakulla or Jefferson Counties, Florida and Escambia County, Alabama, is eligible to join.

Employment Eligibility
Businesses and other legal entities located in these counties are also eligible.

Family Eligibility
You are also eligible to join if an immediate family member is a member.

NCUA Insured Yes / Federally Chartered
Charter Number # # 24702
Date Established 1954
Assets $671.76 million
Loans $413.25 million
Deposits $586.09 million
Capital $79.31 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Escambia, Santa Rosa, Leon, Gadsden, Wakulla, or Jefferson Counties, Florida and Escambia County, Alabama or businesses and legal entities in the prescribed area. Membership is also open to immediate family of existing members.

Deposit Rates - October 10, 2024

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
MyHigh-Yield Share Draft Checking 4.00% $0 $0.00 Learn MoreShow Less
Advertiser Disclosure

Loan Rates - October 10, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Gulf Winds

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 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Foundation Home Loans, LLC
NMLS ID: 2559614
License#: MC-7844
6.100% 6.000% 0.75 $3,484 $1,919 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.579% 6.490% 0.75 $2,975 $2,021 Learn More
PenFed Credit Union
NMLS ID: 401822
6.818% 6.625% 1.00 $6,400 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
6.847% 6.750% 1.00 $3,200 $2,076 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

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

Branches

Below are Gulf Winds 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:
Ashburn,Virginia



Climate Policy and Initiatives

GULF WINDS 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 Winds Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gulf Winds. 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 Winds U.S. Average
2.38% 5.83

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 June 30, 2024, Gulf Winds had $1,864,913 in non-current loans and $96,555 in owned assets. To cover these potential losses it had $79,309,396 in net worth and $3,185,181 in loans loss reserves. That gives it a Texas Ratio of 2.38%.

Net Worth
Gulf Winds U.S. Average
11.8% 13.93%

Gulf Winds FCU has a net worth of 11.8% versus the BestCashCow average of 13.93. 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 Winds

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