Credit union · NCUA insured
Gulf Coast Educators Federal Credit Union Savings Rates
Top CarrotGulf Coast Educators Federal Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Gulf Coast Educators Federal Credit Union’s savings 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
1.26%APY
- Minimum
- $100
- Earns on $10,000 a year
- $126
Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Gulf Coast Educators Federal Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.26%
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 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.
Dollar Up Savings
3.02%APY
Requires linking a Gulf Coast Educators debit card to round up purchases to the nearest dollar. Deposits can only be made through the debit card roundup program. Funds are automatically transferred to primary savings at the end of each quarter. Accrued dividends paid if closed within 7 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn stated APY is $5. Opening minimum is $0.$5 and up | 3.02% | $302 | Minimum balance to earn stated APY is $5. Opening minimum is $0. |
Sources (4)
All captured Sep 17, 2026
Money Market
1.26%APY
Minimum opening balance is $100. Minimum balance to earn dividends is $2,500. Up to 6 withdrawals or transfers permitted per month. Tiered rate account where the dividend rate and APY for the qualifying balance range apply to the full account balance. Dividend rates are determined monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.00% | — |
| $10,000 – $50,000 | 1.26% | $126 |
| $50,000 – $100,000 | 1.51% | — |
| $100,000 and up | 2.02% | — |
Sources (3)
All captured Sep 17, 2026
Share Account
0.05%APY
Dividends compounded and credited monthly. Daily balance method. As a condition of membership, member must purchase and maintain 1 share ($1.00 par value).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum opening balance is $1; minimum daily balance to earn dividends is $500.$500 and up | 0.05% | $5 | Minimum opening balance is $1; minimum daily balance to earn dividends is $500. |
Sources (4)
All captured Sep 17, 2026
Special-purpose accounts
Premium Market IRA
Up to 4.14%APY
Available as Traditional or Roth IRA. Variable rate indexed to the 1-Month Constant Maturity Treasury plus a margin based on balance (-0.20% for $500-$9,999.99; 0.10% for $10,000-$49,999.99; 0.00% for $50,000-$99,999.99; 0.10% for $100,000+). $25 fee if closed within 1 year of opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $9,999Rate tier from high-yield schedule. | 4.03% | — | Rate tier from high-yield schedule. |
| $500 – $9,999Minimum balance to earn dividends is $500. | 3.55% | — | Minimum balance to earn dividends is $500. |
| $10,000 – $49,999Rate tier from high-yield schedule. | 4.14% | $414 | Rate tier from high-yield schedule. |
| $10,000 – $49,999 | 3.65% | $365 | |
| $50,000 – $99,999Rate tier from high-yield schedule. | 4.24% | — | Rate tier from high-yield schedule. |
| $50,000 – $99,999 | 3.76% | — | |
| $100,000 and upRate tier from high-yield schedule. | 4.35% | — | Rate tier from high-yield schedule. |
| $100,000 and up | 3.86% | — |
Sources (4)
All captured Sep 17, 2026
Premium Market IRA
3.65%APY
Available as Traditional or Roth IRA wrapper. Minimum opening deposit is $100; minimum balance to earn dividends is $500. No administrative fees. Dividend rate and APY adjust on the first day of each month based on the previous month's 1-Month Constant Maturity Treasury index plus a tiered margin based on balance. Closing account within 1 year incurs a $25 closing fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $9,999Calculated as 1-Month Constant Maturity Treasury index minus 0.20% margin. | 3.55% | — | Calculated as 1-Month Constant Maturity Treasury index minus 0.20% margin. |
| $10,000 – $49,999Calculated as 1-Month Constant Maturity Treasury index plus 0.10% margin. | 3.65% | $365 | Calculated as 1-Month Constant Maturity Treasury index plus 0.10% margin. |
| $50,000 – $99,999Calculated as 1-Month Constant Maturity Treasury index plus 0.00% margin. | 3.76% | — | Calculated as 1-Month Constant Maturity Treasury index plus 0.00% margin. |
| $100,000 and upCalculated as 1-Month Constant Maturity Treasury index plus 0.10% margin. | 3.86% | — | Calculated as 1-Month Constant Maturity Treasury index plus 0.10% margin. |
Sources (4)
All captured Sep 17, 2026
Standard IRA
0.50%APY
Available as Regular (Traditional) IRA, Roth IRA, and Educational IRA Savings (Coverdell ESA). Tiered rate account where the rate applies to the full balance once a balance tier is met. $25 closing fee if closed within 1 year of opening (waived for death or disability).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $9,999Rate applies to full balance. | 0.35% | — | Rate applies to full balance. |
| $10,000 – $49,999Rate applies to full balance. | 0.50% | $50 | Rate applies to full balance. |
| $50,000 – $99,999Rate applies to full balance. | 0.65% | — | Rate applies to full balance. |
| $100,000 and upRate applies to full balance. | 0.75% | — | Rate applies to full balance. |
Christmas Club Account
0.05%APY
Requires a minimum monthly deposit of $20.00. No withdrawals may be made until the first Thursday of November (or on/after November 1) when the balance is transferred into Share Savings. Accrued dividends paid if closed within 7 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum opening deposit is $25. Minimum daily balance to earn dividends is $500.$500 and up | 0.05% | $5 | Minimum opening deposit is $25. Minimum daily balance to earn dividends is $500. |
Sources (4)
All captured Sep 17, 2026
Sandy Saver
0.05%APY
Must be 12 years old or younger to open an account. Dividends compounded and credited monthly. Daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum opening balance is $1; minimum daily balance to earn dividends is $500.$500 and up | 0.05% | $5 | Minimum opening balance is $1; minimum daily balance to earn dividends is $500. |
Sources (3)
All captured Sep 17, 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.