For Life's Moments and Milestones
Gulf Winds offers our members competitive rates on loans, credit cards, premium checking and savings options.
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 04/27/2024. 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 04/27/2024. 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 04/27/2024. 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 04/27/2024. 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. The actual APR may vary based on the applicant's credit history.
Credit Card Rates
| Credit Cards | APR Range |
|---|---|
| VISA Platinum | 8.9% - 17.9% |
| VISA Platinum Rewards | 10.9% - 17.9% |
| VISA Secured | 9% |
*Rates are based on individual credit worthiness. Rates are subject to change without prior notice.
Checking Account Rates
| Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
|---|---|---|---|---|
| Qualifications Met, Balance ≤ $10,000 | 1.98% | 2.0% | 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 04/27/2024.
*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 | .30% | .30% | Monthly | $5 |
Rates as of 04/27/2024. 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 | .30% | .30% | 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 | .30% | .30% | 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 | .30% | .30% | Monthly | $5 |
Rates as of 04/27/2024. 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 04/27/2024. 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 | 0.30% | 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 04/27/2024 and can change at any time without notice.
| Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit |
|---|---|---|---|---|
| Share IRA | .40% | .40% | Monthly | $0 |
Rates as of 04/27/2024. 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 | 4.410% | 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 04/27/2024. 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 |
|---|---|---|---|---|
| 12 Month Rate Bump | 4.889% | 5.00% | Monthly | $2,500 |
| 5 Month | 4.985% | 5.10% | 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 offered to Business Accounts and not available for IRAs. Maximum deposit into a Certificate Special will be $250,000. Other restrictions may apply.
Rate Bump CD not offered to Business Accounts. Certificate allows one-time rate increase to a current advertised rate during the certificate term. Future advertised rates may never exceed the rate available at the time of opening your account. One-time withdrawal of $20,000 or 20% of the certificate balance, whichever is less, is permitted without penalty. Otherwise, early withdrawal penalties may apply. Certificate balance must always remain above $2,500. Maximum deposit will be $250,000. 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.