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High-Yield Checking

Earn 1.50% APY

Earning 1.50% APY is simple with a Gulf Winds High-Yield Checking Accounts. First, open or switch your current checking account to Gulf Winds' High-Yield Checking. Then, all you need to do is complete three easy and free qualifications each monthly qualification cycle.

  • Have at least 12 debit card purchases post and clear
  • Have at least one (1) direct deposit or automatic payment post and clear
  • Receive your monthly statements electronically

Features & Benefits

  • Pays Premium Monthly Dividends
  • No Minimum Balance
  • No Monthly Service Fee
  • Nationwide ATM Fee Refunds1
  • Free (Fee Free) Black VISA Debit Card
  • Free Online Banking with Bill Pay
  • Free e-Statements with Check Images
  • Free 24-Hour Phone Banking
  • Access to 40+ surcharge-free ATMs locally
  • Free Overdraft Transfer Protection
  • Overdraft Privilege Protection2

Account opening is subject to approval. 1) ATM fee refunds up to $15 per cycle when qualifications are met. 2) Subject to account qualification after 60 days. A fee will be incurred for use of this service.

 

Come in to open your account today! Find a Branch
For more information, call us at 800-650-6328.

Qualification Cycle

  • January: 12/31/15 - 1/30/16
  • February: 1/31/16 - 2/28/16
  • March: 2/29/16 - 3/30/16
  • April: 3/31/16 - 4/30/16

Please Note: Beginning May 1, 2016, the qualification cycle will run from the first day of the month to the last day of the month.

  • May: 5/1/16 - 5/31/16
  • June: 6/1/16 - 6/30/16
  • July: 7/1/16 - 7/31/16
  • August: 8/1/16 - 8/31/16
  • September: 9/1/16 - 9/30/16
  • October: 10/1/16 - 10/31/16
  • November: 11/1/16 - 11/30/16
  • December: 12/1/16 - 12/31/16

High-Yield Checking Dividend Rates

Rates as of 12/30/2015 Dividend Rate APY Compound Frequency
Qualifications Met
Balances 0 - $10,000
1.49% 1.50% Monthly
Qualifications Met
Balances Above $10,000
0.10% 0.10% Monthly
Qualifications Not Met
All Balances
0.05% 0.05% Monthly

This rate sheet is incorporated into the Account Agreements and Disclosures.
The rate and Annual Percentage Yield (APY) stated for Share Draft Checking Accounts is declared by the Board of Directors and is subject to change at any time. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.

 

We’re giving our profits back to you.

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IRAs as
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Certificates as
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APY5