For Life's Moments and Milestones
Gulf Winds offers our members competitive rates on loans, credit cards, premium checking and savings options.
Checking Account Rates
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
Qualifications Met, Balance ≤ $10,000 | 3.93% | 4.00% | Monthly | $0 |
Qualifications Met, Balance > $10,000 | 0.10% | 0.10% | Monthly | $0 |
Qualifications Not Met, All Balances | 0.05% | 0.05% | Monthly | $0 |
Rates as of 10/8/2024.
*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. 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.
Saving Account Rates
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
Primary Share Savings | .20% | .20% | Monthly | $5 |
Rates as of 10/8/2024. 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.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
Holiday Share Savings | .20% | .20% | Monthly | $0 |
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.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
Special Share Savings | .20% | .20% | Monthly | $0 |
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.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
Business Share Savings | .20% | .20% | Monthly | $5 |
Rates as of 10/8/2024. 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.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
Special Business Share Savings | .30% | .30% | Monthly | $0 |
Rates as of 10/8/2024. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated for Special Share Business Savings Accounts is declared by the Board of Directors and is subject to change at any time.
Investing Account Rates
Balance | Dividend Rate | APY* |
---|---|---|
$0 - $2,499.99 | 0.20% | 0.20% |
$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 10/8/2024 and can change at any time without notice.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
Share IRA | .20% | .20% | Monthly | $0 |
Rates as of 10/8/2024. 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.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
10 Month Special | 4.121% | 4.20% | 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 10/8/2024. 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 |
---|---|---|---|---|
5 Month | 4.458% | 4.55% | Monthly | $500 |
10 Month | 4.121% | 4.20% | Monthly | $500 |
APY=Annual Percentage Yield. Early withdrawal penalties may apply.
Rate and Yields are subject to change. APY assumes interest remains on deposit until maturity. Certificate Specials are not available for IRAs. Other restrictions may apply.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
---|---|---|---|---|
6 Month | 1.982% | 2.00% | Monthly | $500 |
12 Month | 2.570% | 2.60% | Monthly | $500 |
18 Month | 3.105% | 3.15% | Monthly | $500 |
24 Month | 3.154% | 3.20% | Monthly | $500 |
36 Month | 3.203% | 3.25% | Monthly | $500 |
48 Month | 3.300% | 3.35% | Monthly | $500 |
60 Month | 3.445% | 3.50% | 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.
Credit Card Rates
Credit Cards | APR Range |
---|---|
VISA Platinum | 8.90% - 17.90% |
VISA Platinum Rewards | 10.90% - 17.90% |
VISA Secured | 9.00% |
*Rates are based on individual credit worthiness. Rates are subject to change without prior notice.
Loan Rates
Term | APR Range | Est. Payment /$1,000 Borrowed |
---|---|---|
36 months | 4.99% - 11.99% | $29.97 - $33.21 |
66 months | 5.99% - 14.99% | $17.82 - $22.34 |
75 months | 6.99% - 15.99% | $16.50 - $21.17 |
84 months | 7.99% - 17.99% | $15.58 - $21.01 |
*Rates as of 10/8/2024. Maximum loan term will depend on the age of collateral and/or the size of the loan. Monthly payments per $1,000 for up to 36 months at 4.99% APR is $29.97. The actual APR may vary based on the applicant's credit history and underwriting criteria.
Term | APR Range | Est. Payment /$1,000 Borrowed |
---|---|---|
36 months | 6.49% - 17.99% | $30.64 - $36.15 |
72 months | 6.49% - 17.99% | $16.81 - $22.80 |
96 months | 7.49% - 17.99% | $13.88 - $19.72 |
180 months | 7.49% - 17.99% | $9.26 - $16.10 |
*Rates as of 10/8/2024. Monthly payments per $1,000 for up to 72 months at 6.49% APR is $16.81. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
Term | APR Range | Est. Payment /$1,000 Borrowed |
---|---|---|
36 months | 6.49% - 17.99% | $30.64 - $36.15 |
72 months | 6.49% - 17.99% | $16.81 - $22.80 |
96 months | 7.49% - 17.99% | $13.88 - $19.72 |
180 months | 7.49% - 17.99% | $9.26 - $16.10 |
*Rates as of 10/8/2024. Monthly payments per $1,000 for up to 72 months at 6.49% APR is $16.81. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
Term | APR Range | Est. Payment /$1,000 Borrowed |
---|---|---|
24 months | 6.49% - 17.99% | $44.54 - $49.92 |
36 months | 6.49% - 17.99% | $30.64 - $36.15 |
48 months | 6.49% - 17.99% | $23.71 - $29.37 |
60 months | 6.49% - 17.99% | $19.56 - $25.39 |
*Rates as of 10/8/2024. Monthly payments per $1,000 for up to 60 months at 6.49% APR is $19.56. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
Term | APR Range | Est. Payment /$1,000 Borrowed |
---|---|---|
60 months | 9.99% - 17.90% | $21.24 - $25.34 |
Maximum loan term will depend on the size of the loan. Term lengths range from 12 to 60 months. The actual APR may vary based on the applicant's credit history.
Mortgage Rates*
Personalize your rate with our mortgage calculator!
Gulf Winds Credit Union NMLS #414456
*Interest rates, annual percentage rates (APRs), points and estimated breakdowns are subject to change without notice.
1 - Home Owners Insurance is required. Flood and Wind Insurance may be required, when applicable. Exclusions and limitations apply. Gulf Winds agrees to pay closing costs on new HELOANs and HELOCS with the exception of appraisal fees, title insurance, and any fees associated with Home Owner's Association. Closing costs can range from $150 to $1500. If the loan is paid off and closed in less than three years of the loan origination date, all closing costs paid by Gulf Winds Credit Union will require reimbursement. Closing costs depend on the location of the property, property type, and the amount of the Equity Loan. Consult your tax advisor about possible tax benefits. Owner-occupied property only and Gulf Winds Credit Union must be in a valid first or second lien position. Refer to HELOAN or HELOC application or ask your Mortgage Loan Officer for complete details. This offer may be withdrawn at any time.
2 - Depending on selected term option, our Adjustable Rate Mortgages have a fixed rate for the first 3, 5, 7 ,or 10-years and a variable rate that adjusts once a year for the final length of loan, starting at either years 4, 6, 8, or 11. Your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjusted Payments displayed are based on the current Constant Maturity Treasury (CMT) index, plus the margin (fully indexed rate) as of the stated effective date rounded to nearest 1/8th of one percent.
3 - Subject to credit approval. The introductory rate will be in effect for the first six (6) months after your line of credit is opened. After the promotional period, the variable standard APR will be based on your line amount, combined loan to value ratio, and credit rating. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard APR. This offer is available to new equity line members, and is subject to change without notice. Required minimum draw at closing is $10,000.
4 - Eligible veterans, reservists, and Active Duty personnel and their eligible spouses with suitable credit, sufficient income and a valid Certificate of Eligibility (COE) can take advantage of 100% financing/zero-down payment options with a VA Mortgage, guaranteed by the Department of Veterans Affairs. Underwriting and loan approval required. Zero-day payment subject to terms and conditions. A funding fee is required at closing. The fee is higher with a zero-down payment, and maximum loan limits vary by county. If a down payment of 5% or more is made, the fee is reduced. The VA funding fee is non-refundable. Ask for details about eligibility, documentation and other requirements. The property must be occupied by the veteran as their primary residence.
5 - Available on primary residences only. Certain property types are ineligible. Borrower(s) must not have an individual or joint ownership interest in any other residential property at time of closing. Homebuyer education may be required. Restrictions apply regarding co-borrowers. Maximum income and loan amount limits apply.
Estimated Mortgage Loan Payment Breakdowns
Conventional, USDA and Condo Loans
A fixed-rate loan of $200,000 for 15 years at a rate of 6.625% and 6.736% APR will have a monthly payment of $1,755.99. A fixed-rate loan of $200,000 for 20 years at a rate of 7.375% and 7.467% APR will have a monthly payment of $1,595.93. A fixed-rate loan of $200,000 for 30 years at a rate of 7.500% and 7.572% APR will have a monthly payment of $1,398.43.
Max Value Mortgages™
A fixed-rate loan of $200,000 for 30 years at a rate of 6.625% and 6.792% APR will have a monthly payment of $1,280.61.
Land and Lot Loans
A fixed-rate loan of $75,000 for 5 years at a rate of 5.500% and 6.253% APR will have a monthly payment of $1,432.59. A fixed-rate loan of $75,000 for 10 years at a rate of 6.110% and 6.517% APR will have a monthly payment of $836.80. A fixed-rate loan of $75,000 for 15 years at a rate of 6.610% and 6.903% APR will have a monthly payment of $657.87.
Adjustable Rate Mortgages (ARM)
10/1 Adjustable Rate Mortgage (ARM): For loan Amount $200,000, 30-year term: Years 1-10 with at a rate of 5.860% and 6.081% APR will have a monthly payment of $1,181.16. Years 11-30 with a maximum rate of 10.860% and 11.159% APR will have a monthly payment of $1,883.52. This Adjustable Rate Mortgage has a fixed interest rate for the first 10 years and a variable rate that adjusts once a year starting at year 11. Your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
7/1 Adjustable Rate Mortgage (ARM): For loan Amount $200,000, 30-year term: Years 1-7 with at a rate of 5.760% and 5.979% APR will have a monthly payment of $1,168.42. Years 8-30 with a maximum rate of 10.760% and 11.057% APR will have a monthly payment of $1,868.47. This Adjustable Rate Mortgage has a fixed interest rate for the first 7 years and a variable rate that adjusts once a year starting at year 8. Your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
5/1 Adjustable Rate Mortgage (ARM): For loan Amount $200,000, 30-year term: Years 1-5 with at a rate of 5.530% and 5.746% APR will have a monthly payment of $1,139.35. Years 6-30 with a maximum rate of 10.530% and 10.823% APR will have a monthly payment of $1,829.48. This Adjustable Rate Mortgage has a fixed interest rate for the first 5 years and a variable rate that adjusts once a year starting at year 6. Your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
3/1 Adjustable Rate Mortgage (ARM): For loan Amount $200,000, 30-year term: Years 1-3 with at a rate of 5.500% and 5.716% APR will have a monthly payment of $1,135.58. Years 4-30 with a maximum rate of 10.760% and 11.057% APR will have a monthly payment of $1,829.48. This Adjustable Rate Mortgage has a fixed interest rate for the first 3 years and a variable rate that adjusts once a year starting at year 4. Your Annual Percentage Rate (APR) may increase after the original fixed-rate period.
Home Equity Loans
A fixed-rate loan of $50,0000 for 5 years at a rate of 6.000% APR will have a month payment of $966.64. A fixed-rate loan of $50,000 for 10 years at a rate of 7.000% APR will have a monthly payment of $580.54. A fixed-rate loan of $50,000 for 15 years at a rate of 7.610% APR will have a monthly payment of $466.64.