Credit union · NCUA insured
Gulf Coast Federal Credit Union
A $264.9M credit union headquartered in Corpus Christi, TX, with 18,259 members and 6 branches in Texas. Best rates: CDs 4.00% and savings 0.50% APY.
Gulf Coast Federal Credit Union Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#11 of 21 in Corpus Christi, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gulf Coast Federal Credit Union
Gulf Coast Federal Credit Union was chartered in August of 1940 in Corpus Christi, Texas.
The credit union operates with a community charter serving Nueces, San Patricio, and Jim Wells Counties.
- Headquarters
- 2633 Rodd Field Rd, Corpus Christi, TX 78414-3145
- NCUA charter
- 4060
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, or attend school in Nueces, San Patricio, or Jim Wells Counties.
Family and household
- Membership is extended to the immediate family of members regardless of where they live or work.
Cost to join
- A one-time membership fee of $2.50 is required upon opening an account.
- A $5.00 share deposit must stay in the share account (savings) at all times to keep the account open.
Branches
6 branches in Texas
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Texas
6 branches
Corpus Christi area · 4
- Rodd FieldMain office2633 Rodd Field Rd, Corpus Christi, TX 78414Directions
- Staples Branch4677 S Staples St, Corpus Christi, TX 78411Directions
- Port Aransas1726 State Highway 361 Ste A, Port Aransas, TX 78373Directions
- Portland Branch1696 US Highway Hwy 181, Portland, TX 78374Directions
Alice area · 1
- Alice1909 E Main St, Alice, TX 78332Directions
McAllen area · 1
- McAllen4900 N 10th St, Suite G 1, McAllen, TX 78504Directions
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 | 8.35% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $98 | $76 | — |
- CapitalNet worth ratio8.35%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$98Peers’ 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 Gulf 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.