Credit union · NCUA insured
Gulf Trust Federal Credit Union
A $26.2M credit union headquartered in Pascagoula, MS, with 2,736 members and 1 branch in Mississippi. Best rates: savings 0.50% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings780.60%at $100,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gulf Trust Federal Credit Union
Founded in 1972 as J C Hospital System Employees Credit Union, Gulf Trust Federal Credit Union is headquartered in Pascagoula, Mississippi.
Renamed Gulf Trust Credit Union in 2015, the financial institution operates as a member-owned, non-profit organization.
- Headquarters
- 2533 Denny Ave, Pascagoula, MS 39567
- NCUA charter
- 24908
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Gulf Trust Credit Union.
- Employees, independent contractors, or self-employed persons working regularly in the healthcare industry in Jackson, George, and Harrison counties in Mississippi, or Mobile County in Alabama.
Family and household
- Members of the immediate family or household of eligible persons.
- Spouses of persons who died while within the field of membership of Gulf Trust.
Other ways
- Members of record of the Gulf Trust Credit Union as of October 1, 2018.
- Persons retired as pensioners or annuitants from qualifying employment.
Branches
1 branch in Mississippi
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Mississippi
1 branch
- Gulf Trust Federal Credit UnionMain office2533 Denny Ave, Pascagoula, MS 39567Directions
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 | 21.75% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.07% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $89 | $59 | — |
- CapitalNet worth ratio21.75%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.07%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$89Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Trust 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.