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Individual Retirement Accounts

Today's Savings That Reward Tomorrow

 Secure your financial future and retire comfortably — explore the power of Individual Retirement Accounts (IRAs) and pave the way for your long-term financial freedom. Visit a branch or contact us to apply!

Introducing our NEW 10-month IRA Certificate Special with 4.50 APY*!

Pay your future self and jumpstart your retirement savings. Take advantage of this special offer before it's gone! 

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Which IRA is right for you?

Ways to Invest

Gulf Winds offers two ways to invest for your retirement—the Share IRA and the Certificate of Deposit IRA. Both are avaliable in Traditional IRA and Roth IRA.

Share IRA

The Share IRA has no minimum balance or term requirement.

Certificate of Deposit IRA

The Certificate of Deposit IRA requires a minimum balance of $500. The interest rate is fixed at purchase and will remain in effect until maturity date.

Traditional IRA

Choose a Traditional IRA if you want a tax deduction right now. Traditional IRAs also make sense if you anticipate paying taxes at a significantly lower rate in retirement.

  • Available in a savings or certificate account
  • Tax-deductible (consult your tax advisor)
  • Federally insured by the NCUA up to $250,000

Start saving for your retirement today!

Visit one of our branch locations or call us at 1.800.650.6328.

Roth IRA

Choose a Roth IRA if you don't need the tax break right now and would like a more flexible investment.

  • Available in a savings or certificate account
  • You do not have to take mandatory distributions at age 70½
  • Tax free withdrawal if you are over 59½
  • Federally insured by the NCUA up to $250,000

Start saving for your retirement today!

Visit one of our branch locations or call us at 1.800.650.6328.

IRA Terms & Rates

Long-term goals look different for everyone.  We have term options that fit your financial needs.

IRA Certificate

Account Type Dividend Rate APY Compound Frequency Minimum Deposit
10 Month Special 4.410% 4.50% Monthly $500
6 Months IRA 2.080% 2.10% Monthly $500
12 Month IRA 2.667% 2.70% Monthly $500
18 Month IRA 3.203% 3.25% Monthly $500
24 Month IRA 3.251% 3.30% Monthly $500
36 Month IRA 3.300% 3.35% Monthly $500
48 Month IRA 3.397% 3.45% Monthly $500
60 Month IRA 3.542% 3.60% Monthly $500

Rates as of 02/21/2024. APY=Annual Percentage Yield. APY assumes interest remains on deposit until maturity. Fees may reduce earnings. The rate and APY stated is declared by the Board of Directors and is subject to change at any time.

Account Type Dividend Rate APY Compound Frequency Minimum Deposit
Share IRA .40% .40% Monthly $0

Rates as of 02/21/2024. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated is declared by the Board of Directors and is subject to change at any time.


Opening an IRA at Gulf Winds was the best financial decision I made; their expertise and personalized guidance set me on a path towards a worry-free retirement.
Henry S.

Save Your Way

Need more flexibility in your savings? We've got you covered with these additional account options.

Money Market Account

Higher dividends with flexible account access.


  • Higher rates than standard savings account
  • No mimimum investment period length
  • Overdraft transfer to Checking Account

High-Yield Checking

Earn interest on your everday balance.


  • Earn 2.0% APY* each month
  • No monthly service fee
  • No minimum balance

Certificates of Deposit

Let your savings do the work.


  • Higher fixed rates
  • Flexible term and rate options
  • Guaranteed security

Start Now, Relax Later

Your financial future relies on your decisions today. We're ready when you are!

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