Gulf Winds Credit Union


220 E Nine Mile Rd
Pensacola, FL 32534
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Notable Rates APY Vs.Others
Savings 0.30% 5.50% →
1-Year CD 2.60% 5.38% →
2-Year CD 3.20% 4.95% →
5-Year CD 3.50% 4.55% →
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 $1153.11 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68694
Date Established 1954
Assets $1,153.11 million
Loans $736.16 million
Deposits $1,032.72 million
Capital $112.36 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 - July 25, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.30% $5 - Learn More
Money Market
0.30% $0 $2,499 Learn More
Money Market
0.40% $2,500 $24,999 Learn More
Money Market
1.05% $25,000 $74,999 Learn More
Money Market
1.30% $75,000 $149,999 Learn More
Money Market
1.65% $150,000 $249,999 Learn More
Money Market
2.05% $250,000 $499,999 Learn More
Money Market
2.50% $500,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
2.00% $500 - Learn More
10 Month Special
5.00% $500 $250,000 Learn More
12 Mo CD
2.60% $500 - Learn More
18 Mo CD
3.15% $500 - Learn More
19 Month Special
5.10% $500 $250,000 Learn More
24 Mo CD
3.20% $500 - Learn More
36 Mo CD
3.25% $500 - Learn More
48 Mo CD
3.35% $500 - Learn More
60 Mo CD
3.50% $500 - Learn More
Variable IRA Rates APY MIN MAX
0.40% $0 - Learn MoreShow Less

Loan Rates - July 25, 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
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.725% 6.625% 0.75 $3,298 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990% 0.75 $2,400 $2,127 Learn More
CrossCountry Mortgage
NMLS ID: 3029
Learn More
Veterans United Home Loans
NMLS ID: 1907
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
7.990 %
$0 Learn More
More Info

Note to Gulf Winds
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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:

Gulf Winds Locations around zip code 20146

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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
7.92% 6.52

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 31, 2024, Gulf Winds had $8,980,477 in non-current loans and $410,569 in owned assets. To cover these potential losses it had $112,358,957 in net worth and $6,146,905 in loans loss reserves. That gives it a Texas Ratio of 7.92%.

Net Worth
Gulf Winds U.S. Average
9.73% 13.65%

Gulf Winds FCU has a net worth of 9.73% versus the BestCashCow average of 13.65. 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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