--- title: "Gulf Winds Credit Union Rates: CDs to 4.21%, Mortgage 6.44%" description: "Gulf Winds Credit Union rates today: 3 1 arm mortgage 6.44% APR, savings & CDs up to 4.21% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Gulf Winds Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/gulf-winds" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Gulf Winds Credit Union Rates: CDs to 4.21%, Mortgage 6.44% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **3/1 ARM** 3 1 arm | 6.441% APR | 6.280% | — | Standard | | **5/1 ARM** 5 1 arm | 6.552% APR | 6.390% | — | Standard | | **7/1 ARM** 7 1 arm | 6.653% APR | 6.490% | — | Standard | | **10/1 ARM** 10 1 arm | 6.744% APR | 6.580% | — | Standard | | **Land and Lot Loan** other | 5.994% APR | 5.780% | — | Standard | | **Conventional Fixed Rate Loan** other | 6.768% APR | 6.500% | — | Standard | Gulf Winds Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 20 offers | Product | Published | Rate | Term / condition | Status | | **New, Used & Refinanced Auto Loan Rates (36 months)** auto_any_36mo | — APR | 4.730% | 36 mo · any | Standard | | **36-Month Auto Loan** auto_any_36mo | — APR | 4.730% | 36 mo | Standard | | **New, Used & Refinanced Auto Loan Rates (66 months)** auto_any_66mo | — APR | 5.590% | 66 mo · any | Standard | | **66-Month Auto Loan** auto_any_66mo | — APR | 5.590% | 66 mo | Standard | | **New, Used & Refinanced Auto Loan Rates (75 months)** auto_any_75mo | — APR | 6.090% | 75 mo · any | Standard | | **75-Month Auto Loan** auto_any_75mo | — APR | 6.090% | 75 mo | Standard | | **New, Used & Refinanced Auto Loan Rates (84 months)** auto_any_84mo | — APR | 6.340% | 84 mo · any | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 6.340% | 84 mo | Standard | | **36-Month RV Loan** rv_any_36mo | — APR | 6.490% | 36 mo | Standard | | **72-Month RV Loan** rv_any_72mo | — APR | 6.490% | 72 mo | Standard | | **Motorcycle/ATV Loan Rates (60 months)** motorcycle_any_60mo | — APR | 6.490% | 60 mo | Standard | | **Motorcycle/ATV Loan Rates (48 months)** motorcycle_any_48mo | — APR | 6.490% | 48 mo | Standard | | **Motorcycle/ATV Loan Rates (36 months)** motorcycle_any_36mo | — APR | 6.490% | 36 mo | Standard | | **Motorcycle/ATV Loan Rates (24 months)** motorcycle_any_24mo | — APR | 6.490% | 24 mo | Standard | | **36-Month Boat Loan** boat_any_36mo | — APR | 6.490% | 36 mo | Standard | | **72-Month Boat Loan** boat_any_72mo | — APR | 6.490% | 72 mo | Standard | | **180-Month RV Loan** rv_any_180mo | — APR | 7.490% | 180 mo | Standard | | **180-Month Boat Loan** boat_any_180mo | — APR | 7.490% | 180 mo | Standard | | **96-Month Boat Loan** boat_any_96mo | — APR | 7.490% | 96 mo | Standard | | **96-Month RV Loan** rv_any_96mo | — APR | 7.490% | 96 mo | Standard | Gulf Winds Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.280% | — | Standard | Gulf Winds Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 9.990% | 60 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.990% | — | Standard | Gulf Winds Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Secured Credit Card** credit_card_secured | — APR | 9.000% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 9.990% | — | Standard | | **VISA Platinum Rewards** credit_card_rewards | — APR | 12.990% | — | Standard | Gulf Winds Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 54 offers | Product | Published | Rate | Term / condition | Status | | **Business Share Savings** share_savings | — APY | 0.05% | — | Eligibility restricted | | **Secondary Business Share Savings** share_savings | — APY | 0.05% | — | Eligibility restricted | | **IRA** ira | — APY | 0.05% | — | Standard | | **Qualifications Not Met, All Balances** savings | — APY | 0.05% | — | Standard | | **Qualifications Met, Balance > $10,000** savings | — APY | 0.10% | — | Standard | | **$0 - $2,499.99** savings | — APY | 0.30% | — | Standard | | **Money Market Dividend Rates ($0 - $2,499.99)** money_market | — APY | 0.30% | — | Standard | | **$2,500.00 - $24,999.99** savings | — APY | 0.40% | — | Standard | | **Money Market Dividend Rates ($2,500.00 - $24,999.99)** money_market | — APY | 0.40% | — | Standard | | **Money Market Dividend Rates ($25,000.00 - $74,999.99)** money_market | — APY | 1.00% | — | Standard | | **$25,000.00 - $74,999.99** savings | — APY | 1.00% | — | Standard | | **$75,000.00 - $149,999.99** savings | — APY | 1.29% | — | Standard | | **Money Market Dividend Rates ($75,000.00 - $149,999.99)** money_market | — APY | 1.29% | — | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 1.39% | 6 mo | Standard | | **IRA Certificate** ira_cd | — APY | 1.39% | — | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 1.39% | 6 mo | Standard | | **6-Month IRA** ira | 1.40% APY | 1.39% | 6 mo | Standard | | **Money Market Dividend Rates ($150,000.00 - $249,999.99)** money_market | — APY | 1.49% | — | Standard | | **$150,000.00 - $249,999.99** savings | — APY | 1.49% | — | Standard | | **Money Market Dividend Rates ($250,000.00 - $499,999.99)** money_market | — APY | 1.74% | — | Standard | | **$250,000.00 - $499,999.99** savings | — APY | 1.74% | — | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 1.98% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 1.98% | 12 mo | Standard | | **12-Month IRA** ira | 2.00% APY | 1.98% | 12 mo | Standard | | **$500,000.00+** savings | — APY | 2.23% | — | Standard | | **Money Market Dividend Rates ($500,000.00+)** money_market | — APY | 2.23% | — | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 3.35% | 18 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 3.35% | 18 mo | Standard | | **18-Month IRA** ira | 3.40% APY | 3.35% | 18 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 3.44% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 3.44% | 24 mo | Standard | | **24-Month IRA** ira | 3.50% APY | 3.44% | 24 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.54% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 3.54% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 3.59% | 48 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.59% | 48 mo | Standard | | **36-Month IRA** ira | 3.60% APY | 3.54% | 36 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.64% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 3.64% | 60 mo | Standard | | **48-Month IRA** ira | 3.65% APY | 3.59% | 48 mo | Standard | | **60-Month IRA** ira | 3.70% APY | 3.64% | 60 mo | Standard | | **Qualifications Met, Balance ≤ $10,000** savings | — APY | 3.93% | — | Standard | | **High-Yield Checking Account** checking | — APY | 4.00% | — | Specialty offer | | **5-Month Certificate** cd_5mo | — APY | 4.04% | 5 mo | Standard | | **5-Month Certificate** cd_5mo | — APY | 4.04% | 5 mo | Standard | | **Certificate** cd | — APY | 4.04% | — | Standard | | **5-Month IRA Certificate** ira_cd_5mo | — APY | 4.04% | 5 mo | Standard | | **5-Month IRA** ira | 4.11% APY | 4.04% | 5 mo | Standard | | **13-Month IRA Certificate** ira_cd_13mo | — APY | 4.13% | 13 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 4.13% | 13 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 4.13% | 13 mo | Standard | | **13-Month IRA** ira | 4.21% APY | 4.13% | 13 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.73% | 36 mo | Standard | | **66-Month Certificate** cd_66mo | — APY | 5.59% | 66 mo | Standard | Gulf Winds Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, Gulf Winds Credit Union offers a 3 1 arm mortgage at 6.441% APR. Savings and certificate yields up to 4.21% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/gulf-winds) , verified from [Gulf Winds Credit Union's official website](https://www.gogulfwinds.com/) Loading branch locator… ## About Gulf Winds Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 74.2K Assets $1.3B Founded 1954 Locations reported 13 NCUA charter 68694 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Harvesters** Nine Mile Road Branch · Pensacola · FL · 32534-1666 About 0.6 miles away](https://rateapi.dev/credit-unions/florida/harvesters) [**Champions First** Nine Mile · Cantonment · FL · 32533 About 1.2 miles away](https://rateapi.dev/credit-unions/florida/champions-first) [**MY Pensacola** Cantonment Office · Pensacola · FL · 32534-1253 About 1.2 miles away](https://rateapi.dev/credit-unions/florida/my-pensacola) [**Loyalty** Home Office · Pensacola · FL · 32514-1653 About 2.8 miles away](https://rateapi.dev/credit-unions/florida/loyalty) [**Navy Federal Credit Union** Nine Mile RD Pensacola FL · Pensacola · FL · 32514 About 3.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Members First Credit Union of Flori** Nine Mile Road Branch · Pensacola · FL · 32514-5727 About 3.4 miles away](https://rateapi.dev/credit-unions/florida/members-first-credit-union-of-flori) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Gulf Winds Credit Union Membership eligibility from Gulf Winds Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Gulf Winds Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Businesses and other legal entities located in these counties Verified from [Gulf Winds Credit Union's membership page](https://www.gogulfwinds.com/membership/join/) . Final membership determination is always made by the credit union. ## Membership rules for Gulf Winds Credit Union Employers · Family 2 published paths to membership, last verified August 21, 2026, quoted from Gulf Winds Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Businesses and other legal entities located in these counties “Businesses and other legal entities located in these counties and anyone who is an immediate family member of a current member is also eligible for membership.” > [source ↗](https://www.gogulfwinds.com/membership/join/) - Employee of Businesses and other legal entities located in these counties ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member “anyone who is an immediate family member of a current member is also eligible for membership.” > [source ↗](https://www.gogulfwinds.com/membership/join/) - Family member (immediate family member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Gulf Winds Credit Union? Yes No ## Work at Gulf Winds Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Gulf Winds Credit Union ranks against Florida peers. - See which AI assistants fetched Gulf Winds Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=gulf-winds&state=florida&code=FL&name=Gulf%20Winds%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Gulf Winds Credit Union offer? Gulf Winds Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Gulf Winds Credit Union rates updated? RateAPI verifies Gulf Winds Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Gulf Winds Credit Union's rate data? Rate data is collected directly from Gulf Winds Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Gulf Winds Credit Union's mortgage rate? As of November 13, 2026, Gulf Winds Credit Union offers a 3 1 arm mortgage at 6.441% APR. ### What is Gulf Winds Credit Union's best CD rate? As of November 13, 2026, Gulf Winds Credit Union offers savings and certificate (CD) yields up to 4.21% APY. ### Who can join Gulf Winds Credit Union? Gulf Winds Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for Gulf Winds Credit Union, each quoted from Gulf Winds Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Gulf Winds Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida mortgage rate leaders](https://rateapi.dev/mortgage-rates/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida HELOC rate leaders](https://rateapi.dev/heloc-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gogulfwinds.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Gulf Winds Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Gulf Winds Credit Union curl "https://api.rateapi.dev/credit-unions/florida /gulf-winds " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Gulf Winds Credit Union locations Search, filter, and browse all 13 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/gulf-winds Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp