Credit union · NCUA insured
Gulf Trust Federal Credit Union Savings Rates
Gulf Trust Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Share Draft Account. Rates checked October 22, 2026.
How Gulf Trust Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Gulfport, MS, where Gulf Trust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gulf Trust Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Share Draft Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Navigator Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $325
Gulf Trust Federal Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.50%
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 Trust 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.
Money Market Share Draft Account
0.50%APY
Minimum balance is $1,000. Check writing ability with first box of checks free. Six withdrawals allowed per month. Monthly service fee of $10 if balance drops below $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000If balance drops below $1,000, a monthly service fee of $10 will be charged. | 0.00% | — | If balance drops below $1,000, a monthly service fee of $10 will be charged. |
| $2,500 – $40,000 | 0.50% | $50 | |
| $40,000 – $80,000 | 0.55% | — | |
| $80,000 and up | 0.60% | — |
Share/Savings Accounts
0.20%APY
Membership requires maintaining a minimum balance of $5.00 at all times. Dividends are calculated using average daily balance and paid quarterly. Minimum daily balance of $100.00 required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.20% | $20 |
Special-purpose accounts
Christmas Club
0.75%APY · 1 term
No minimum balance required. Term is from November to November annually. Only one allowable withdrawal per term; once a withdrawal is made (other than annual credit union disbursement), the account is considered closed for that term. If closed before end of term, no dividends paid.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.75% | $75 |
Vacation Club
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Who can join Gulf Trust 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 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.
Membership information collected October 4, 2026.