STAY ALERT: Gulf Winds will NEVER contact you directly and ask for usernames, passwords or verification codes. If you have concerns about a call’s legitimacy, hang up IMMEDIATELY and call us back at 850-479-9601. Learn more.

Skip to main content
Celebrating 70 Years of Service

Rates

For Life's Moments and Milestones

Gulf Winds offers our members competitive rates on loans, credit cards, premium checking and savings options.


Loan Rates

Auto 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 06/21/2024. 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.

Boat Loan Rates
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 06/21/2024. 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. 

RV Loan Rates
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 06/21/2024. 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. 

Motorcycle/ATV Loan Rates
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 06/21/2024. 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. 

Personal Loan Rates
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.


Credit Card Rates

Credit Cards
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

High-Yield Checking Dividend Rates
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
Qualifications Met, Balance ≤ $10,000 3.93% 4.0% 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 06/21/2024.
*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

Primary Share Savings
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
Primary Share Savings .30% .30% Monthly $5

Rates as of 06/21/2024. 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.

Holiday Share Savings
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.

Special Share Savings
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.

Business Share Savings
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
Business Share Savings .30% .30% Monthly $5

Rates as of 06/21/2024. 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.

Special Business Share Savings
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
Special Business Share Savings .30% .30% Monthly $0

Rates as of 06/21/2024. 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

Money Market
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 06/21/2024 and can change at any time without notice.

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

Rates as of 06/21/2024. 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.

IRA Accounts
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 06/21/2024. 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.

Certificate Special Accounts
Account Type Dividend Rate APY Compound Frequency Minimum Deposit
12 Month Rate Bump 4.745% 4.85% Monthly $2,500
7 Month 4.937% 5.05% 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. Maximum deposit into a Certificate Special will be $250,000. Other restrictions may apply. 

Rate Bump CD 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. 

Term Share Certificate Accounts
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.