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Term Share Certificates

Competitive rates. Predictable return.

Share Certificates, commonly referred to as Certificates of Deposit or CDs, are a secure investment that pays a higher rate than a traditional savings account.

Gulf Winds offers several options from which to choose. The minimum balance for each is $500, with dividends earned daily and credited and compounded monthly.

Ready to start earning?

Visit one of our convenient branch locations or call us toll-free at 1.800.650.6328 to request more information.

Open an Account

Early withdrawals are subject to penalty. 18 and 48-month terms not available online. 

Term Share Certificate Accounts
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
6 Month 0.449% 0.45% Monthly $500
12 Month 0.698% 0.70% Monthly $500
18 Month 0.747% 0.75% Monthly $500
24 Month 0.995% 1.00% Monthly $500
36 Month 1.094% 1.10% Monthly $500
48 Month 1.094% 1.10% Monthly $500
60 Month 1.490% 1.50% Monthly $500

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.

Additional Investment and Savings Options

IRA Share Savings »
Increase your retirement savings.

Special Share Savings »
A great choice when saving for a special occasion. 

Ready to Open an Account?

Higher savings rates, better loan rates and lower fees. We believe banking should move you forward. Your future self will thank you.