Credit union · NCUA insured
Gold Coast Federal Credit Union
Top CarrotA $267.8M credit union headquartered in Palm Springs, FL, with 19,617 members and 4 branches in Florida. Best rates: CDs 0.70% and savings 2.00% APY.
Gold Coast Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#5 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gold Coast Federal Credit Union
Gold Coast was formed on January 11, 1936, as the Palm Beach County Teachers Federal Credit Union.
The credit union initially operated out of Twin Lakes High School with volunteers offering payroll-deducted savings accounts and small loans.
- Headquarters
- 2226 S Congress Ave, Palm Springs, FL 33406-7606
- NCUA charter
- 967
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can become eligible for membership by making a $5 donation to the New Horizons Elementary School PTA.
Where you live or work
- Eligibility is open to anyone living, working, or worshiping in the specified Delray Beach geographic area.
Employers and groups
- Employees and affiliated individuals of participating affiliate employers and organizations in Martin, Okeechobee, Palm Beach, and St. Lucie Counties are eligible to join.
- Members of Independent Order of Foresters subordinate courts located in Florida under the High Court of Southeastern United States in Lake Park, Florida are eligible.
Military, government and schools
- Employees of any primary and secondary public, private, or parochial school, college, or university in Palm Beach, St. Lucie, or Okeechobee Counties, Florida are eligible to join.
- Students attending grades 1 through 12 in the school district of Palm Beach County, Florida are eligible for membership.
5 more ways to join
Family and household
- Immediate family members (including spouse, child, sibling, parent, grandparent, stepparent, stepchild, stepsiblings, and adoptive relationships) of a current member or eligible person qualify.
- Persons residing in the household of a current member or person eligible to join who maintain a single economic unit are eligible.
- Immediate family members of students attending grades 1 through 12 in the school district of Palm Beach County, Florida are eligible to join.
- Spouses of persons who died while within the field of membership of the credit union are eligible.
Other ways
- Persons retired as pensioners or annuitants from any credit union affiliate are eligible for membership.
Cost to join
- A $5 donation to the New Horizons Elementary School PTA is required for membership eligibility via that path.
Branches
4 branches in Florida
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Florida
4 branches
Miami area · 3
- Main OfficeMain office2226 S Congress Ave, Palm Springs, FL 33406Directions
- Belle Glade145 N Main St Ste 103, Belle Glade, FL 33430Directions
- Royal Palm Beach10469 Southern Blvd, Royal Palm Beach, FL 33411Directions
Port St. Lucie area · 1
- Port St. Lucie10570 S US Highway 1 Ste 100, Port St. Lucie, FL 34952Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.58% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio11.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.58%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Gold Coast Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.