Credit union · NCUA insured
Gulf Winds Credit Union CD Rates
Gulf Winds Credit Union’s best CD rate is 4.21% APY on a 13-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How Gulf Winds Credit Union’s CD rates compare
Compared with banks and credit unions near Pensacola, FL, where Gulf Winds Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gulf Winds Credit Union
4.21%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $457
Certificate Specials
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
Gulf Winds Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.11%
- 9–15 months9–15 mo4.21%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.21%
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 Winds 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.
Certificate Specials
Up to 4.21%APY · 2 terms
Limited-time offer. Compounded monthly. Upon maturity, funds will transfer to a 12-month certificate or a chosen share account. Early withdrawal penalties may apply. Rates as of 10/15/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months5 Month. Compounded monthly. Limited-time offer | 4.11% | $169 |
| 13 months13 Month. Compounded monthly. Limited-time offer | 4.21% | $457 |
Sources (2)
All captured Oct 15, 2026
Term Share Certificate Accounts
Up to 3.70%APY · 7 terms
Membership eligibility is required. Account opening subject to approval. Early withdrawal penalties may apply. Term Share Certificates automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded monthly | 1.40% | $70 |
| 12 monthsCompounded monthly | 2.00% | $200 |
| 18 monthsCompounded monthly. 18-month Term Certificate applications not currently available online | 3.40% | $514 |
| 24 monthsCompounded monthly | 3.50% | $712 |
| 36 monthsCompounded monthly | 3.60% | $1,119 |
| 48 monthsCompounded monthly. 48-month Term Certificate applications not currently available online | 3.65% | $1,542 |
| 60 monthsCompounded monthly | 3.70% | $1,992 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.21%APY · 9 terms
Available in Traditional IRA and Roth IRA. Minimum balance of $500. Interest rate is fixed at purchase and remains in effect until maturity date. Fees may reduce earnings. Rates as of 10/15/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months5 Month IRA Special. Compounded monthly | 4.11% | $169 |
| 6 months6 Months IRA. Compounded monthly | 1.40% | $70 |
| 12 months12 Month IRA. Compounded monthly | 2.00% | $200 |
| 13 months13 Month IRA Special. Compounded monthly | 4.21% | $457 |
| 18 months18 Month IRA. Compounded monthly | 3.40% | $514 |
| 24 months24 Month IRA. Compounded monthly | 3.50% | $712 |
| 36 months36 Month IRA. Compounded monthly | 3.60% | $1,119 |
| 48 months48 Month IRA. Compounded monthly | 3.65% | $1,542 |
| 60 months60 Month IRA. Compounded monthly | 3.70% | $1,992 |
Sources (2)
All captured Oct 15, 2026
Who can join Gulf Winds Credit Union
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