Florida CD rates › Credit unions › Gulf Winds
Credit union · HQ Pensacola, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Gulf Winds currently posts 11 CD rates from 1.40% to 4.17% APY. Their sheet states an effective date of 10/1/2026..
| Term | APY | Minimum | Details |
|---|---|---|---|
| 6 mo | 1.40% | $500 | |
| 1 yr | 2.00% | $500 | |
| 18 mo | 3.40% | $500 | |
| 2 yr | 3.50% | $500 | |
| 3 yr | 3.60% | $500 | |
| 4 yr | 3.65% | $500 | |
| 5 yr | 3.70% | $500 |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 13 mo | 4.17% promo | $500 | CD Special — Monthly compounding |
| 13 mo | 4.17% promo | $500 | IRA Certificate Special |
| 5 mo | 4.05% promo | $500 | CD Special — Monthly compounding |
| 5 mo | 4.05% promo | $500 | IRA Certificate Special |
Anyone who lives, works, worships or attends school in 75 counties across Florida, Alabama and Georgia can join with $5. Counties: Alachua, Baker, Bay, Bradford, Calhoun, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Putnam, Santa Rosa, Saint Johns, Suwannee, Taylor, Union, Wakulla, Walton, Washington. Family of existing members can generally join too.
10 branches in 4 counties: Escambia (Pensacola) · Leon (Tallahassee) · Santa Rosa (Gulf Breeze, Milton) · Wakulla (Crawfordville)
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions