# Gulf Winds Credit Union CD and share certificate rates

As of October 22, 2026, Gulf Winds Credit Union's highest tracked CD (share certificate) rate is 4.21% APY on a 13-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.40% to 3.70% APY.

Canonical page: https://apyledger.com/cd-rates/gulf-winds-credit-union
Institution: Gulf Winds Credit Union (NCUA 68694)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:41.000Z (October 22, 2026)
Official source: https://www.gogulfwinds.com/invest/term-share-certificates/
Coverage: Membership required. Term share certificates from 6 to 60 months and 5- and 13-month specials, each with a $500 minimum; dividends compound monthly. IRA certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD Specials | promotional | 5 months | $500 | 4.11% | Not ZIP-priced | −0.28% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| Share CD | standard | 6 months | $500 | 1.40% | Not ZIP-priced | −3.00% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| Share CD | standard | 12 months | $500 | 2.00% | Not ZIP-priced | −2.57% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| CD Specials | promotional | 13 months | $500 | 4.21% | Not ZIP-priced | −0.39% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| Share CD | standard | 18 months | $500 | 3.40% | Not ZIP-priced | −1.32% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| Share CD | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| Share CD | standard | 36 months | $500 | 3.60% | Not ZIP-priced | −1.35% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| Share CD | standard | 48 months | $500 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |
| Share CD | standard | 60 months | $500 | 3.70% | Not ZIP-priced | −1.31% | 2026-10-22T16:22:41.000Z | [Snapshot 359](https://apyledger.com/snapshots/359) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.