Primary Savings

Primary Savings

This is the account that establishes your membership at the credit union. Once opened, your membership comes with our commitment to build and maintain a lifelong relationship with you. Once you are a member, you will have access to a full range of financial services, all under one roof.

The initial deposit is only $1, which must be maintained throughout your membership. Dividends are paid monthly and we offer the convenience of unlimited access to your funds.

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Additional Savings Accounts

If you are already a GCEFCU member, you can open additional savings accounts conveniently through Online Banking or by clicking the button below. Use them for budgeting or saving up for something you really want.

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Money Market

Money Market Savings Accounts

Looking for convenient access to your money while earning a higher dividend than a regular savings account and without being locked into a term? Then our Money Market account is the perfect answer. A minimum opening deposit of $100 is required with dividends paid on amounts greater than $2,500.

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Term Share Certificates (CDs)

Term Share Certificates

This is the highest earning account we offer at the credit union. Term Share Certificates are fixed-term investments that earn the highest rates without any risks. These investments are offered in terms from 3 months to 5 years with a minimum opening deposit of only $1,000.

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Premium Deposit Accounts

This account is designed to reward members who use multiple credit union services by adding 1/2% APY to any new Term Share Account opened (excludes Jumbo CD’s) Members who use 3 of the following services at Gulf Coast Educators will qualify for the ½% APY bonus: Checking account, direct deposit, loans, IRA, VISA Debit card or Bill Pay.

*APY = Annual percentage yield


Jumbo Term Share Accounts

This account is for larger deposits of $100,000 or greater. This account works the same as our Term Share Account, but offers higher dividends.

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College Saver Certificate

Featuring a minimum deposit of only $25, this certificate is an ideal way for kids to start saving money. It is much like the Term Share Account, but with unlimited deposits in amounts of $50 or more. A College Saver Certificate can be opened for any member age 17 and under, and starts earning dividends when you reach a minimum $250 balance.

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Health Savings Account

Health Savings Accounts

Offering Peace of Mind for Health care. With the Health Savings Account from Gulf Coast Educators, prepare yourself for future health needs. Convenient and tax-advantaged, HSA accounts help offset high deductible health plans such as TRS ActiveCAre 1-HD.

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Individual Retirement Accounts

Saving for retirement couldn’t be easier than with a Gulf Coast Educators IRA. We offer three different options:

  • Premium Market IRA – Our Premium Market IRA offers members a high yield retirement option, without any risk.
  • Standard IRA – Choose from a Traditional or Roth Standard IRA account to begin saving for retirement.
  • Educational (Coverdell ESA) IRA – Withdraw funds, tax-free, when it’s time to pay for college.

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Special Savings Accounts

Christmas Club Account

An excellent account to help you prepare for the holidays far in advance. A minimum deposit of $25 is required to open the account with minimum monthly deposits of $20 or more.

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Sandy Savers Kids’ Club

This is a fun savings club just for kids 12 years of age and under. As club members, kids become inspired to save by being rewarded with cool prizes. Then money saving becomes a skill for their future – like when they’re saving for that first “mussel” car or “sand castle.” Parents or grandparents can open an account for as little as $1.

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Dollar Up Savings Account

Saving money can be hard, but we are here to help! By linking your Gulf Coast Educators debit card to our new Dollar Up Savings account, you can automatically save a little bit of money every day.

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Depositing funds - savings accountsDepositing Funds
One of our promises is to make it easy to do business with us. So when it comes to depositing funds, we give you several choices.