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Source: https://www.gogulfwinds.com/invest/term-share-certificates/
Read: 2026-10-22T16:22:41.000Z

Term Share Certificates of Deposit | Gulf Winds Credit Union POST-STORM UPDATE: All Gulf Winds branches are open. Refer to our Hurricane Isaias Updates page for assistance resources.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit
5 Month | 4.035% | 4.11% | Monthly | $500
13 Month | 4.131% | 4.21% | 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. Other restrictions may apply. Rates as of 10/22/2026.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit
6 Month | 1.391% | 1.40% | Monthly | $500
12 Month | 1.982% | 2.00% | Monthly | $500
18 Month | 3.348% | 3.40% | Monthly | $500
24 Month | 3.445% | 3.50% | Monthly | $500
36 Month | 3.542% | 3.60% | Monthly | $500
48 Month | 3.590% | 3.65% | Monthly | $500
60 Month | 3.639% | 3.70% | 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.
Account Type | Dividend Rate | APY | Compound Frequency | Minimum Deposit
5 Month IRA Special | 4.035% | 4.11% | Monthly | $500
13 Month IRA Special | 4.131% | 4.21% | Monthly | $500
6 Months IRA | 1.391% | 1.40% | Monthly | $500
12 Month IRA | 1.982% | 2.00% | Monthly | $500
18 Month IRA | 3.348% | 3.40% | Monthly | $500
24 Month IRA | 3.445% | 3.50% | Monthly | $500
36 Month IRA | 3.542% | 3.60% | Monthly | $500
48 Month IRA | 3.590% | 3.65% | Monthly | $500
60 Month IRA | 3.639% | 3.70% | Monthly | $500
Rates as of 10/22/2026. 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
Share IRA | .05% | .05% | Monthly | $0
Rates as of 10/22/2026. 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.
Earn 4.00% APY* each month
*APY=Annual Percentage Yield. Early withdrawal penalties may apply. Rate and yields are subject to change. APY assumes interest remains on deposit until maturity. Early withdrawals may be subject to penalty.
Other restrictions may apply. The rate and APY stated for Term Share Accounts is the rate that was offered within the most recent seven calendar days. Term Share Certificates automatically renew at maturity. Certificate Specials funds are transferred to a 12 month share certificate at maturity. Early withdrawals are subject to penalty. 18 and 48-month Term Certificate applications not currently available online.