Credit union · NCUA insured
Gulf Coast Educators Federal Credit Union CD Rates
Top CarrotGulf Coast Educators Federal Credit Union’s best CD rate is 4.01% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Gulf Coast Educators Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Gulf Coast Educators Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gulf Coast Educators Federal Credit Union
3.91%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $391
Premium Term Share Certificate
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Gulf Coast Educators Federal Credit Union CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.91%
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 Educators Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Term Share Certificate
Up to 4.01%APY · 5 terms
Offered for certificates with a balance greater than $100,000. Does not qualify for PDA rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 day term | 2.88% | — |
| 6 months6 month term | 3.91% | — |
| 12 months12 month term | 4.01% | — |
| 18 months18 month term | 3.91% | — |
| 24 months2 year term | 3.65% | — |
Premium Term Share Certificate
Up to 3.91%APY · 8 terms
Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 day term. Requires Premium Deposit Account qualification | 2.78% | $69 |
| 6 months6 month term. Requires Premium Deposit Account qualification | 3.80% | $188 |
| 12 months12 month term. Requires Premium Deposit Account qualification | 3.91% | $391 |
| 18 months18 month term. Requires Premium Deposit Account qualification | 3.80% | $575 |
| 24 months2 year term. Requires Premium Deposit Account qualification | 3.55% | $723 |
| 36 months3 year term. Requires Premium Deposit Account qualification | 3.29% | $1,020 |
| 48 months4 year term. Requires Premium Deposit Account qualification | 3.03% | $1,268 |
| 60 months5 year term. Requires Premium Deposit Account qualification | 3.03% | $1,610 |
Sources (3)
All captured Sep 17, 2026
Emergency Savings Certificate
3.55%APY · 1 term
12 month term. Allows one penalty-free withdrawal per calendar year. Excluded from Premium Deposit Account bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 month term | 3.55% | $355 |
Sources (3)
All captured Oct 16, 2026
Term Share Certificate
Up to 3.39%APY · 8 terms
Fixed rate share certificates with terms from 3 months to 5 years. Compounded and credited quarterly. Additional deposits allowed with no limit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 day term | 2.27% | $56 |
| 6 months6 month term | 3.29% | $163 |
| 12 months12 month term | 3.39% | $339 |
| 18 months18 month term | 3.29% | $498 |
| 24 months2 year term | 3.03% | $615 |
| 36 months3 year term | 2.78% | $857 |
| 48 months4 year term | 2.52% | $1,047 |
| 60 months5 year term | 2.52% | $1,325 |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Premium College Saver Term Share Certificate
4.06%APY · 1 term
12 month term. Requires parent/legal guardian joint owner. Automatically renews every 12 months until member reaches 18 years of age. Requires Premium Deposit Account qualification (uses three of the following: checking account, direct deposit, loans, or Visa debit card).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 month term | 4.06% | $406 |
Sources (3)
All captured Oct 16, 2026
College Saver Term Share Certificate
3.55%APY · 1 term
12 month term. Requires parent/legal guardian joint owner. Automatically renews every 12 months until member reaches 18 years of age.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 month term | 3.55% | $355 |
Sources (3)
All captured Oct 16, 2026
Who can join Gulf Coast Educators Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Gulf Coast Educators Federal Credit Union are eligible for membership.
Military, government and schools
- Employees who work regularly in the Educational Industry in the state of Texas, or who have retired as pensioners or annuitants from such employment, are eligible for membership.
Family and household
- Immediate families or households falling within the eligibility chart, as well as surviving spouses of persons who died while within the field of membership, are eligible for membership.
Membership information collected October 5, 2026.