Credit union · NCUA insured
Gulf Credit Union
A $348.5M credit union headquartered in Port Arthur, TX, with 24,643 members and 6 branches in 2 states. Best rates: CDs 4.75% and savings 0.25% APY.
Gulf Credit Union Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#9 of 22 in Beaumont, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gulf Credit Union
Founded in December 1939 at Gulf Oil, Gulf Credit Union was established to bring financial opportunities, low-cost loans, and reasonable returns on savings to those who normally could not afford them.
The member-owned credit union operates five branch locations across Southeast Texas, including Beaumont, Bridge City, Fannett, Groves, and Mid County, alongside an administration building in Port Arthur.
- Headquarters
- 2779 Aero Dr # A, Port Arthur, TX 77640
- NCUA charter
- 60205
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, worship, work, or attend school in Jefferson, Hardin, Orange, Chambers, Polk, Jasper, Liberty, Newton, or Tyler counties, or Bolivar Peninsula are eligible for membership.
- Businesses and other legal entities located in Jefferson, Hardin, Orange, Chambers, Polk, Jasper, Liberty, Newton, or Tyler counties, or Bolivar Peninsula are eligible for membership.
Employers and groups
- Persons who are members of the Cornerstone Credit Union Foundation are eligible for membership.
Branches
6 branches in 2 states
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Texas
5 branches
- Beaumont2360 Dowlen Rd, Beaumont, TX 77706Directions
- Fannett15931 Highway 124 Ste B, Beaumont, TX 77705Directions
- Groves5140 W Parkway St, Groves, TX 77619Directions
- Bridge City4721 Highway 87 S, Orange, TX 77630Directions
- Mid County2779 Aero Dr # B, Port Arthur, TX 77640Directions
Utah
1 branch
- CMC Flex8520 S Sandy Pkwy, Sandy, UT 84070Directions
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 | 9.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.45% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.53% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $66 | $76 | — |
- CapitalNet worth ratio9.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.45%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$66Peers’ 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.