Gulf States Credit Union

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A short history of Gulf States CU

Since its inception in 1960 the Gulf States Credit Union has been serving its members in the MAITLAND, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Gary Teramae, the Gulf States CU has grown its membership to over 3,726 with assets of more than $29,456,844. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (407) 831-8844 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MAITLAND, FL.

General Information For Gulf States CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68412
Address P.O. BOX 945110 
State Florida 
Zip-Code 32794
Phone Number (407) 831-8844
Fax Number (407) 831-7757
Email Address: none
CEO/President Gary Teramae
Members 3,726 
Full-Time Employees 12 
Part-Time Employees
Number of Branch Offices
Total Assets 29,456,844 

Compare Gulf States Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Insight CU Vista Lakes 6017 S Goldenrod Rd 32794 (407) 426-6000 No 3.01
Local 606 Electrical Workers CU LOCAL 606 ELECTRICAL WORKERS FCU 820 VIRGINIA DR 32803 (407) 896-4733 No 3.15
F.r.s.a. CU FRSACU 7071 University Blvd 32793 (407) 657-7212 No 3.75
Fairwinds CU Avalon Park 12800 Tanja King Blvd 32828 (407) 277-6030 No 4.86
Orlando CU Westmoreland 1117 S Westmoreland Dr 32805 (407) 835-3500 No 6.05

Gulf States Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Gulf States Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 5.75 8.50 5.00 6.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 469 664 268 341
Rank Among All Florida Credit Unions 24 79 85 45 42

Gulf States Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.30 0.30 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 97 302 259
Rank Among All Florida Credit Unions N/A 19 19 60 37
Gulf States Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900945529,815
All Other Unsecured Loans/Lines of Credit 13.750301668,318
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.750471,292,679
Used Vehicle Loans 8.5004615,471,233
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.000323,142,416
Total Other Real Estate Loans/Lines of Credit 6.00039789,342
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.2501251,116,092
TOTAL LOANS & LEASES 1,95013,009,895

Gulf States Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 202,257,7151270,500
    b. 15 Years or less 10498,21100
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 2386,49000


Closed-End Fixed Rate 13300,89900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 26488,443874,959
Open-End Fixed Rate 0000
TOTALS 713,931,7589345,459


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Gulf States Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes