Gulf Capital Bank rates: up to 4.959% APY
bank · FDIC CERT 59185 · www.gulfcapitalbank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Savings Account | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Jumbo Certificates of Deposit | 30 Days | 4.230% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 30 Days | 4.178% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit | 60 Days | 4.334% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 60 Days | 4.282% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit | 90 Days | 4.438% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 90 Days | 4.386% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit | 6 Months | 4.542% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 6 Months | 4.490% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit | 9 Months | 4.646% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 9 Months | 4.594% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit | 12 Months | 4.698% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 12 Months | 4.646% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit | 24 Months | 4.855% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 24 Months | 4.803% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificates of Deposit | 36 Months | 4.959% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard CD Rates & Terms | 36 Months | 4.907% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $2,500–$99,999.99 | 1.06% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000–$249,999.99 | 1.16% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000–$499,999.99 | 1.26% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $500,000 and above | 3.04% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking with Interest | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.gulfcapitalbank.com/tab/cd-rates-personal-accounts/ | 2026-11-02 02:33 UTC | ok | dc51f55fcfc7 |
| www.gulfcapitalbank.com/tab/cd-rates-standard/ | 2026-11-02 02:33 UTC | ok | 0b366b3945fa |
| www.gulfcapitalbank.com/deposit-cd-rates/ | 2026-11-02 02:33 UTC | ok | a0d16caeffc5 |