Home Banking Savings Dividend Rates

Share Savings Accounts
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
Primary Share Savings 0.25% 0.25% Monthly $5
Holiday Share Savings 0.25% 0.25% Monthly $0
Special Share Savings 0.25% 0.25% Monthly $0
IRA Share Savings 0.35% 0.35% Monthly $0
Business Share Savings 0.25% 0.25% Monthly $5

Rates as of .
Rates are subject to change after the account is opened. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated for Share Savings Accounts is declared by the Board of Directors and is subject to change at any time.

IRA Accounts
Term Dividend Rate APY Compound Frequency Minimum Deposit
6 Months IRA 1.243% 1.25% Monthly $500
12 Month IRA 1.834% 1.85% Monthly $500
18 Month IRA 1.834% 1.85% Monthly $500
24 Month IRA 1.982% 2.00% Monthly $500
36 Month IRA 1.982% 2.00% Monthly $500
48 Month IRA 1.982% 2.00% Monthly $500
60 Month IRA 2.080% 2.10% Monthly $500

Rates as of .
APY=Annual Percentage Yield
Early withdrawal penalties may apply.
This rate sheet is incorporated into the Account Agreements and Disclosures.
The rate and APY stated for Term Share Accounts is the rate that was offered within the most recent seven calendar days.
Rates and yields are subject to change at any time.
APY assumes interest remains on deposit until maturity.

Teens & Kids Savings Dividend Rates
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
MyMoney Teens Share Savings 0.25% 0.25% Monthly $5
MyMoney Kids Share Savings 0.25% 0.25% Monthly $5

Rates as of .
Rates are subject to change after the account is opened. APY=Annual Percentage Yield. Fees may reduce earnings.

Term Share Certificate Accounts
Term Dividend Rate APY Compound Frequency Minimum Deposit
6 Month 1.144% 1.15% Monthly $500
10 Month - Special Rate* 1.736% 1.75% Monthly $500
12 Month 1.736% 1.75% Monthly $500
18 Month 1.736% 1.75% Monthly $500
19 Month - Special Rate* 1.834% 1.85% Monthly $500
24 Month 1.884% 1.90% Monthly $500
30 Month - Special Rate* 2.031% 2.05% Monthly $500
36 Month 1.884% 1.90% Monthly $500
48 Month 1.884% 1.90% Monthly $500
60 Month 1.982% 2.00% Monthly $500

Rates as of .
APY=Annual Percentage Yield
Early withdrawal penalties may apply.
This rate sheet is incorporated into the Account Agreements and Disclosures.
The rate and APY stated for Term Share Accounts is the rate that was offered within the most recent seven calendar days.
Rates and yields are subject to change at any time.
APY assumes interest remains on deposit until maturity.
Gulf Winds reserves the right to discontinue or modify offers at any time.
*Restrictions may apply to promotional products.