Credit union · NCUA insured
Gold Coast Federal Credit Union Savings Rates
Top CarrotGold Coast Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its MORE Money Market Savings Account. Rates checked October 15, 2026.
How Gold Coast Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Gold Coast Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gold Coast Federal Credit Union
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
MORE Money Market Savings Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Gold Coast Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Gold Coast Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
MORE Money Market Savings Account
2.00%APY
Tiered interest rates to reward every level of saver. Unlimited access to funds.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $5,000Dividends compounded/paid monthly. · $0 to open | 2.00% | $0 | — | Dividends compounded/paid monthly. |
| $5,000 – $25,000Dividends compounded/paid monthly. · Unknown to open | 2.00% | Unknown | $200 | Dividends compounded/paid monthly. |
| $25,000 – $50,000Dividends compounded/paid monthly. · Unknown to open | 2.00% | Unknown | — | Dividends compounded/paid monthly. |
| $50,000 – $100,000Dividends compounded/paid monthly. · Unknown to open | 3.00% | Unknown | — | Dividends compounded/paid monthly. |
| $100,000 and upDividends compounded/paid monthly. · Unknown to open | 3.00% | Unknown | — | Dividends compounded/paid monthly. |
Money Market Checking Account
0.40%APY
Tiered dividend rates beginning at $5,000. Dividends paid monthly. First order of checks is free. Transaction limits apply.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $5,000 – $25,000Dividends compounded/paid monthly. Minimum opening balance $5,000.00. · $5,000 to open | 0.40% | $5,000 | $40 | Dividends compounded/paid monthly. Minimum opening balance $5,000.00. |
| $25,000 – $50,000Dividends compounded/paid monthly. · Unknown to open | 0.45% | Unknown | — | Dividends compounded/paid monthly. |
| $50,000 – $100,000Dividends compounded/paid monthly. · Unknown to open | 0.50% | Unknown | — | Dividends compounded/paid monthly. |
| $100,000 and upDividends compounded/paid monthly. · Unknown to open | 0.55% | Unknown | — | Dividends compounded/paid monthly. |
Main Share Savings
0.15%APY
A $5 deposit establishes membership. Dividends calculated daily, paid quarterly. Federally insured by NCUA up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,00012/31/2025 Declared Dividends. Dividends paid quarterly. Fees may reduce earnings. | 0.15% | $15 | 12/31/2025 Declared Dividends. Dividends paid quarterly. Fees may reduce earnings. |
| Over $15,00012/31/2025 Declared Dividends. Dividends paid quarterly. Fees may reduce earnings. | 0.20% | — | 12/31/2025 Declared Dividends. Dividends paid quarterly. Fees may reduce earnings. |
Special-purpose accounts
Club Accounts
0.15%APY
No minimum balance requirement and unlimited deposits. No monthly fee. Unlimited withdrawals per year. Dividends earned on balances over $5, compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $512/31/2025 Declared Dividends. Compounded quarterly. Fees may reduce earnings.Over $5 | 0.15% | $15 | 12/31/2025 Declared Dividends. Compounded quarterly. Fees may reduce earnings. |
Who can join Gold Coast Federal Credit Union
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.
Membership information collected October 5, 2026.