Bank · FDIC insured
Gulf Coast Bank & Trust Savings Rates
Gulf Coast Bank & Trust’s best savings rate is 0.40% APY on $10,000, with its Best Money Market. Rates checked October 16, 2026.
How Gulf Coast Bank & Trust’s savings rates compare
Compared with banks and credit unions near New Orleans, LA, where Gulf Coast Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Gulf Coast Bank & Trust
0.60%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $60
Interest Savings
Top rate
Keesler Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
Gulf Coast Bank & Trust savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.60%
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 Gulf Coast Bank & Trust ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Select Money Market
0.50%APY
A minimum deposit of $20 is required to open account. A Select Checking account is required; owner(s) of Select Checking and Select Money Market accounts must be the same. No monthly maintenance service cycle charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Requires Select Checking account. | 0.50% | $50 | Requires Select Checking account. |
| $100,000 – $250,000Requires Select Checking account. | 0.70% | — | Requires Select Checking account. |
| $250,000 – $1,000,000Requires Select Checking account. | 0.85% | — | Requires Select Checking account. |
| $1,000,000 – $1,500,000Requires Select Checking account. | 3.44% | — | Requires Select Checking account. |
| $1,500,000 and upRequires Select Checking account. | 3.55% | — | Requires Select Checking account. |
Sources (2)
All captured Oct 16, 2026
Best Money Market
0.40%APY
A minimum deposit of $20 is required to open account. $10.00 monthly service cycle charge waived if average month-to-date balance is $5,000 or average month-to-date balance is $25,000 or greater in qualifying deposits. Paper statement fee of $4.85 applies unless enrolled in eStatements or meeting balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. | 0.40% | $40 | Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. |
| $100,000 – $250,000Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. | 0.60% | — | Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. |
| $250,000 – $1,000,000Initial rate determined by initial deposit tier; rate tier changes may affect yield. | 0.75% | — | Initial rate determined by initial deposit tier; rate tier changes may affect yield. |
| $1,000,000 – $1,500,000Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. | 3.03% | — | Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. |
| $1,500,000 and upMonthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. | 3.38% | — | Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. |
Sources (2)
All captured Sep 26, 2026
Interest Savings
Up to 0.60%APY
Requires an Interest Checking Combo Account with identical ownership. No monthly maintenance service charge. $4.85 monthly paper statement fee waived if average month to date balance is $5,000 or greater, OR average month to date balance is $25,000 or greater in qualifying deposits, OR account is set up for eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualifications met in Interest Checking Combo Account: at least 12 debit card transactions post and settle per qualification cycle (excluding ATM transactions, POS refunds, internal transfers), and at least one automatic payment (ACH), Gulf Coast Bank bill payment, or direct deposit post and settle per statement cycle.Any balance | 0.60% | $60 | Qualifications met in Interest Checking Combo Account: at least 12 debit card transactions post and settle per qualification cycle (excluding ATM transactions, POS refunds, internal transfers), and at least one automatic payment (ACH), Gulf Coast Bank bill payment, or direct deposit post and settle per statement cycle. |
| Any balanceBase rate when qualifications are not met in the Interest Checking Combo Account.Any balance | 0.05% | $5 | Base rate when qualifications are not met in the Interest Checking Combo Account. |
Sources (2)
All captured Sep 26, 2026
Personal Savings
0.20%APY
No monthly service charge. $4.85 quarterly paper statement fee waived if average quarter to date balance is $5,000 or greater, OR average quarter to date balance is $25,000 or greater in qualifying deposits, OR account is set up for eStatements. Primary account holder must maintain an active internet banking account and current, active email address.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. | 0.20% | $20 | Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. |
| $100,000 – $250,000Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. | 0.20% | — | Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. |
| $250,000 and upEarns interest on entire balance. Interest compounded and credited quarterly. Variable rate. | 0.50% | — | Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. |
Sources (2)
All captured Sep 26, 2026
Special-purpose accounts
Joint Minor Savings
0.20%APY
For minors; parent or legal guardian must be a joint owner on this account. No monthly maintenance service charge. $4.85 quarterly paper statement fee waived if average quarter to date balance is $5,000 or greater, OR average quarter to date balance is $25,000 or greater in qualifying deposits, OR account is set up for eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. | 0.20% | $20 | Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. |
| $100,000 – $250,000Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. | 0.20% | — | Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. |
| $250,000 and upEarns interest on entire balance. Interest compounded and credited quarterly. Variable rate. | 0.50% | — | Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate. |
Sources (2)
All captured Sep 26, 2026
Educator's Plus Vacation Club Savings
0.20%APY
Available for individuals employed by learning institutions in Louisiana, Mississippi, Florida, or Alabama. Must have an Educator Plus Checking account with identical ownership. Set up an automatic transfer bi-monthly or monthly from Educator Plus Checking. No monthly maintenance service cycle charge. $4.85 quarterly paper statement fee waived if average quarter to date balance is $5,000 or greater, OR average quarter to date balance is $25,000 or greater in qualifying deposits, OR account is set up for eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns interest on entire balance. Variable rate.Any balance | 0.20% | $20 | Earns interest on entire balance. Variable rate. |
Sources (2)
All captured Sep 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.