Gulf Winds Credit Union
Headquarters
220 E Nine Mile Rd
Pensacola, FL 32534
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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 $1180.21 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68694 |
| Date Established | 1954 |
| Assets | $1,180.21 million |
| Loans | $797.70 million |
| Deposits | $1,054.00 million |
| Capital | $113.57 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 - November 2, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.30% | $5 | - |
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|
|
Money Market
|
0.30% | $0 | $2,499 |
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|
|
Money Market
|
0.40% | $2,500 | $24,999 |
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|
Money Market
|
1.05% | $25,000 | $74,999 |
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|
Money Market
|
1.30% | $75,000 | $149,999 |
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|
Money Market
|
1.65% | $150,000 | $249,999 |
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|
Money Market
|
2.05% | $250,000 | $499,999 |
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|
|
Money Market
|
2.50% | $500,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
2.00% | $500 | - |
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|
| 10 Month Special
|
4.75% | $500 | $250,000 |
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|
| 12 Mo CD
|
2.60% | $500 | - |
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|
| 18 Mo CD
|
3.15% | $500 | - |
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|
| 19 Month Special
|
4.95% | $500 | $250,000 |
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|
| 24 Mo CD
|
3.20% | $500 | - |
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| 36 Mo CD
|
3.25% | $500 | - |
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| 48 Mo CD
|
3.35% | $500 | - |
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|
| 60 Mo CD
|
3.50% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.40% | $0 | - | Learn More |
Loan Rates - November 2, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.987% | 6.875% | 0.88 | $3,654 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
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More Info |
Note to Gulf Winds
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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:
Columbus,Ohio
Gulf Winds Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|
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 |
|---|---|
| 6.26% | 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 $7,111,231 in non-current loans and $384,080 in owned assets. To cover these potential losses it had $113,570,635 in net worth and $6,146,905 in loans loss reserves. That gives it a Texas Ratio of 6.26%.
Net Worth
| Gulf Winds | U.S. Average |
|---|---|
| 9.61% | 13.93% |
Gulf Winds FCU has a net worth of 9.61% 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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