Credit union · NCUA insured
Gulf Winds Credit Union Savings Rates
Gulf Winds Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Gulf Winds Credit Union’s savings 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
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Gulf Winds Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.30%
- QualifiedQualified0.40%
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 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 Account
0.40%APY
Membership eligibility required. Account opening subject to approval. Rates apply to entire balance. Dividends calculated daily and compounded monthly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.30% | — |
| $2,500 – $25,000 | 0.40% | $40 |
| $25,000 – $75,000 | 1.00% | — |
| $75,000 – $150,000 | 1.30% | — |
| $150,000 – $250,000 | 1.50% | — |
| $250,000 – $500,000 | 1.75% | — |
| $500,000 and up | 2.25% | — |
Primary Share Savings
0.05%APY
Become a member and get started for just $5. Primary Share Account Closure Fee of $10.00 if closed within 60 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned daily, credited and compounded monthly. Rates subject to change at any time.Any balance | 0.05% | $5 | Dividends earned daily, credited and compounded monthly. Rates subject to change at any time. |
Sources (3)
- gogulfwinds.com/personal-savings/primary-share-savings
- gogulfwinds.com/rates
- gogulfwinds.com/disclosures/schedule-of-fees
All captured Oct 5, 2026
Secondary Share Savings
0.05%APY
No minimum balance. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned daily, credited and compounded monthly. Rate and APY declared by Board of Directors and subject to change at any time.Any balance | 0.05% | $5 | Dividends earned daily, credited and compounded monthly. Rate and APY declared by Board of Directors and subject to change at any time. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Holiday Share Savings
0.05%APY
No minimum balance. Funds automatically transfer November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned daily, credited and compounded monthly. Rate and APY declared by the Board of Directors and subject to change at any time.Any balance | 0.05% | $5 | Dividends earned daily, credited and compounded monthly. Rate and APY declared by the Board of Directors and subject to change at any time. |
Sources (3)
- gogulfwinds.com/invest/term-share-certificates
- gogulfwinds.com/personal-savings/holiday-share-savings
- gogulfwinds.com/rates
All captured Oct 5, 2026
Share IRA
0.05%APY
Available in Traditional IRA and Roth IRA. No minimum balance or term requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly compounding. Rate and APY declared by Board of Directors and subject to change at any time.Any balance | 0.05% | $5 | Monthly compounding. Rate and APY declared by Board of Directors and subject to change at any time. |
Sources (2)
All captured Oct 5, 2026
Who can join Gulf Winds Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.