CD Accounts
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Last Updated: 05/14/2026
Gulf Coast Educators CD Accounts
Unaffiliated
Last Updated: 05/14/2026
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Highlights
APY (Annual Percentage Yield)
3.29%(Verified 06/21/2024)
Minimum Opening Deposit
Starting at $1,000
Certificate Term
- 3 months
- 6 months
- 12 months
- 18 months
- 2 years
- 3 years
- 4 years
- 5 years
Gulf Coast Educators CD Accounts Review
Gulf Coast Educators CD Accounts are offered by Gulf Coast Educators Federal Credit Union, a credit union founded in 1948 and based in Pasadena, TX. Gulf Coast Educators CD Accounts are available in 50 states and Washington, DC.
Key Takeaways
- Only one CD type available. Gulf Coast Educators CD Accounts only offers traditional CD accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.29%, which is much higher than the national average for a CD account.
- $1,000 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
- Wide selection of CD terms. Gulf Coast Educators CD Accounts allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Gulf Coast Educators CD Accounts
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Gulf Coast Educators CD Accounts FAQ
Are CD from Gulf Coast Educators Federal Credit Union federally insured?
No, your Gulf Coast Educators Federal Credit Union CD accounts are not insured by a federal insurance agency. This means that if Gulf Coast Educators Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What types of CDs does Gulf Coast Educators Federal Credit Union offer?
Gulf Coast Educators CD Accounts provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
What rates does Gulf Coast Educators Federal Credit Union offer on its CDs?
The CD rates for this account have an APY of3.29% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1.6% APY for 12-month CDs.
What terms does Gulf Coast Educators CD Accounts offer?
Gulf Coast Educators Federal Credit Union offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Month APY | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 3.80% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18-Month APY | 3.29% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with Gulf Coast Educators Federal Credit Union?
Gulf Coast Educators CD Accounts require a minimum deposit of $1,000 to open an account.
What is the grace period for Gulf Coast Educators CD Accounts?
Gulf Coast Educators CD Accounts does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does Gulf Coast Educators Federal Credit Union charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
Gulf Coast Educators Federal Credit Union charges an early withdrawal fee.
Gulf Coast Educators Federal Credit Union does charge any of the fees we track.
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Hours of Operation
SundayClosedMonday8:00AM - 6:00PMTuesday8:00AM - 6:00PMWednesday8:00AM - 6:00PMThursday8:00AM - 6:00PMFriday8:00AM - 6:00PMSaturday9:00AM - 12:00PM
Other Services by Gulf Coast Educators Federal Credit Union
Other CD Accounts from Gulf Coast Educators Federal Credit Union
Rating not yet determined
APY (Annual Percentage Yield)
4.06% - 4.32%
Disclaimer popup with additional information
Minimum Opening Deposit
Starting at $100K
Certificate TermShow More
- 3 months
- 6 months
- 12 months
- 18 months
- 2 years
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