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Gulf Coast Credit Union Review: Overall Rating
| Feature | Insider rating (out of 5) |
| Savings | 4.75 |
| Checking | 4.25 |
| Share certificate | 4.25 |
| Money market account | 4 |
| Trustworthiness | 4 |
| Total | 4.5 |
Gulf Coast Credit Union Pros and Cons
| Pros | Cons |
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Gulf Coast Federal Credit Union Savings Account - Product Name Only Review
The
Gulf Coast also has a Kasasa Saver Account that pays an even higher rate. To qualify for the high rate, you'll need to open a Kasasa checking account and make 12 debit card transactions each month.
Gulf Coast Federal Credit Union Basic Checking Account - Product Name Only Review
The
The credit union also has Kasasa checking accounts, a cash-back option, and high-yield option. These are good choices if you use your debit card at least 12 times per month.
Gulf Coast Federal Credit Union Share Certificate - Product Name Only Review
Gulf Coast Federal Credit Union pays high interest rates on share certificates, and you only need
Gulf Coast Federal Credit Union Money Market Account - Product Name Only Review
You may prefer to use
About Gulf Coast Federal Credit Union
Gulf Coast Federal Credit Union is a Hispanic American-led institution in Texas. It has four branches in Alice, Corpus Christi, and Portland. There are free ATMs at each branch. You can also use ATMs in the Members First Credit Union, CC City Employees Credit Union, Star Credit Union, and Rally Credit Union networks for free, and at Stripes Stores.
Here are the lobby and phone hours at all four branches:
- Monday: 8:30 a.m. to 5 p.m.
- Tuesday: 8:30 a.m. to 5 p.m.
- Wednesday: 9:00 a.m. to 5 p.m.
- Thursday: 8:30 a.m. to 5 p.m.
- Friday: 8:30 a.m. to 5 p.m.
- Saturday: 9 a.m. to 1 p.m.
- Sunday: Closed
The Gulf Coast mobile app has 4.7 out of 5 stars in the Apple store, and 4.1 out of 5 stars in the Google Play store.
Your deposits are federally insured by the NCUA for up to $250,000, or up to $500,000 for joint accounts.
How to Join Gulf Coast Federal Credit Union
To open a bank account at a credit union must qualify for membership first. You may join Gulf Coast Federal Credit Union if you live, work, worship, or go to school in Nueces, San Patricio, or Jim Well Counties in Texas. You may also be eligible for membership if you have an immediate family member who is a member.
To join, you'll pay a one-time $2.50 membership fee. You'll also need to open a
Is Gulf Coast Federal Credit Union Trustworthy?
Gulf Coast Federal Credit Union does not have any public controversies.
The Better Business Bureau gives Gulf Coast an NR ("No Rating") grade because the BBB doesn't have enough information to provide a rating yet.
BBB grades don't guarantee that you'll have a strong relationship with a company, though. You may also want to ask friends and family about their experiences with Gulf Coast or read online customer reviews.
The Role of Hispanic American-led Institutions
Many Hispanic American banks and credit unions provide services in both English and Spanish. There is a history of racial prejudice in banking and lending, specifically among Hispanic Americans, so working with a Hispanic American institution can help eliminate unfair bias.
Gulf Coast Federal Credit Union offers Kasasa bank accounts. Kasasa is a financial company that partners with small banks and credit unions so they can give customers competitive perks. If you use your debit card regularly, you may qualify for rewards with Kasasa accounts through Gulf Coast. For example, you can earn a good interest rate that's higher than the average savings account, or cash-back perks.
Gulf Coast Federal Credit Union FAQs
Where can you find a Gulf Coast Federal Credit Union location?
Gulf Coast Federal Credit Union is a local financial institution in Texas. It has branches in Alice, Texas; Corpus Christi, Texas; and Portland, Texas.
Is Gulf Coast Federal Credit Union safe?
Gulf Coast Federal Credit Union is overseen by the NCUA, which is a government agency. The NCUA insures up to $250,000 per depositor, per ownership category in a bank account. If a credit union fails, the NCUA keeps your insured money safe.
What are the CD rates at Gulf Coast Federal Credit Union?
Gulf Coast Federal Credit Union share certificates pay
Why You Should Trust Us: How We Reviewed Gulf Coast Federal Credit Union
For our Gulf Coast Federal Credit Union review, we rated bank products and services using our bank account methodology.
At Personal Finance Insider, we review different features for distinct types of bank accounts. For example, we'll look at early withdrawal penalties and interest rates specifically for CDs. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, as well as its overdraft protection options.
We'll also usually examine minimum opening deposits, ethics, customer support availability, and mobile app ratings for all types of bank accounts.
How Gulf Coast Federal Credit Union Compares
Gulf Coast Federal Credit Union vs. CoastLife Community Credit Union
CoastLife Credit Union has seven branches in Corpus Christie, Texas, and one branch in Portland, Texas. You may join CoastLife if you live or work in an eligible county in Texas; have an immediate family member who is a current member or work for a Select Employee Group.
Both credit unions offer high-yield checking accounts, so your best option might hinge on which account is easier to qualify for.
To earn a high APY on balances in the Gulf Coast Credit Union Kasasa Cash Checking Account, each month you'll need to make a direct deposit, ACH payment transaction, or ACH credit; receive online bank statements, and make 12 debit card purchases. Meanwhile, the
If you're looking for CDs, you'll likely favor Gulf Coast over CoastLife. Gulf Coast Credit Union offers higher CD rates on most terms, and lets you open a CD with a minimum of
Gulf Coast Federal Credit Union vs. Rally Credit Union
Rally Credit Union (previously known as Navy Army Community Credit Union) is another financial institution in Texas.
You may prefer Rally over Gulf Coast if you like an institution with a larger branch presence. Rally has 21 branches in the state, while Gulf Coast only has four locations.
Another way to determine which institution is right for you is to consider which bank accounts you'd like to open and how much money you want to keep in your account.
Gulf Coast offers higher CD rates, and permits a lower minimum opening deposit than Rally.
Meanwhile, Rally offers slightly higher rates on money market accounts — however, you'll need a minimum of