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Celebrating 70 Years of Service

Money Market Account

Dividends up to 2.50% APY*

Open an Account

Flexible Savings You Can Count On

Maximize your savings potential and build your wealth faster with a Money Market Account.

Key Account Features


Tiered Rates to Reward
Higher Balances


Simple Application,
Fast Approval


Unlimited Account


Digital Banking
Account Access

Money Market Dividend Rates
Balance Dividend Rate APY*
$0 - $2,499.99 0.30% 0.30%
$2,500.00 - $24,999.99 0.40% 0.40%
$25,000.00 - $74,999.99 1.04% 1.05%
$75,000.00 - $149,999.99 1.29% 1.30%
$150,000.00 - $249,999.99 1.64% 1.65%
$250,000.00 - $499,999.99 2.03% 2.05%
$500,000.00+ 2.47% 2.50%

*APY=Annual Percentage Yield. The Money Market Account is a tiered rate account. The dividend rate for a balance of $50,000 is 1.05% APY. Rates apply to the entire balance, not just the amount over the tier threshold. Dividends are calculated daily and compounded monthly. Other restrictions may apply. Rates as of 05/22/2024 and can change at any time without notice.

Money Market Earnings Calculator

If your account has 100000 at %

In one year you'd have… with a Gulf Winds Money Market Account

Why Money Market?

A flexible financial solution that earns you more.

Looking for a faster way to move your savings forward? A Gulf Winds Money Market Account is a versatile option that offers the great rates of a savings account without sacrificing accessibility to funds.

Money Market Accounts are safe, insured and offer easy access for deposits and withdrawals. You benefit from getting higher returns, no locked terms and the ability to access your money at any time without penalties.

These accounts are typically best used for:

  • Emergency Savings
  • Vacation Funds
  • Future Investments
  • Large Purchases & Down Payments

Bigger savings, brighter future. Start today.

Open an Account

Make The Most Of Your Money

Still unsure about a Money Market Account? Here's a few more reasons why it's a great savings option.

Unlimited Transfers

No checks or debit cards needed. Easily access your money at any time with unlimited transfers to any Gulf Winds account.1

Overdraft Protection

No more overdraft fees! Your Money Market Account can be used for overdraft transfers to a Gulf Winds Checking account.

Hybrid Earnings

Accrued interest is a hybrid of daily and monthly compounding. Dividends are paid monthly based on the sum of daily interest.

Safe and Secure

Peace of mind savings. Money Market Accounts are low risk and insured by the NCUA for up to $250,000 per account.2

Which Account is Right For You?

Keep life moving forward with a savings option that best fits your needs.

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

Share Certificates (CDs)

Increase your savings over fixed period of time.

  • Low minimum deposit
  • Guaranteed return rates
  • Flexible maturity dates

High-Yield Checking

Earn interest on your everday balance.

  • Earn 4.0% APY* each month
  • No Monthly Service Fee
  • No Minimum Balance

Open a Money Market Account Today!

Start saving today. Your future self will thank you.

Get Started

Membership eligibility is required. Account opening subject to approval. Fees could reduce earnings of this account.

*APY is "Annual Percentage Yield." Rate(s) effective as of date indicated by table. Dividends are calculated daily and compounded monthly.

1 Unlimited Account Transfers references the number of transfers made to or from the Money Market Account. Account transfer limits may apply.

2 Money Market Account insured at $250,000 per social security number on the account, i.e. joint accounts insured up to $500,000.