Credit union · NCUA insured
Gulf Credit Union CD Rates
Gulf Credit Union’s best CD rate is 4.75% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Gulf Credit Union’s CD rates compare
Compared with banks and credit unions near Beaumont, TX, where Gulf Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gulf Credit Union
3.82%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $382
Share Certificates
Top rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
2nd-highest rate
Rave Financial
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Gulf Credit Union CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.09%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.82%
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 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.
CD SPECIAL
4.75%APY · 1 term
Minimum to open $100,000. New Money Only, Limited Time Only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsCompounded and paid monthly, New Money Only, Limited Time Only. Minimum to open $100,000 | 4.75% | — |
Sources (1)
- gecu.org/accounts/rates-fees/savings-and-deposit-rates · captured Sep 25, 2026
Share Certificates
Up to 3.82%APY · 5 terms
Minimum balance/to open $500. Accounts are not opened through an online application (requires two forms of government-issued identification).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded and paid monthly | 3.56% | $176 |
| 12 monthsCompounded and paid monthly | 3.82% | $382 |
| 24 monthsCompounded and paid monthly | 3.09% | $628 |
| 36 monthsCompounded and paid monthly | 3.14% | $972 |
| 60 monthsCompounded and paid monthly | 3.20% | $1,706 |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
IRA Certificates - Traditional & Roth
Up to 3.82%APY · 5 terms
Traditional and Roth IRAs. Minimum balance/to open $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded and paid monthly | 3.56% | $176 |
| 12 monthsCompounded and paid monthly | 3.82% | $382 |
| 24 monthsCompounded and paid monthly | 3.09% | $628 |
| 36 monthsCompounded and paid monthly | 3.14% | $972 |
| 60 monthsCompounded and paid monthly | 3.20% | $1,706 |
Sources (2)
All captured Sep 25, 2026
Who can join Gulf Credit Union
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.
Membership information collected October 5, 2026.