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Credit Union · Pensacola, FL

Gulf Winds Federal Credit Union

Compared with Florida medians

1 of 5

main fees above the median

Monthly maintenance: $3.45 above the FL median3 below, 1 about the same

See the account terms All 38 fees

Its main fees against Florida and the U.S.

Monthly Maintenance$10.95FL median $7.50 (audience not stated, treated as personal)58 in FLU.S. median $7 (audience not stated, treated as personal)1,902 in U.S.vs FL median +$3.45
FL

Compare local options in Pensacola, FL

7 banks and credit unions with a branch in Pensacola, FL list a lower monthly maintenance or overdraft fee than Gulf Winds Federal Credit Union's lowest price.

Monthly Maintenancechecking

4 of 6 are lower

Gulf Winds Federal Credit Union's lowest: $10.95, MyOpportunity Checking Share Draft

My Pensacola Federal Credit Union$0$10.95 less

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Overdraft (OD)$29.50$3071 in FL$302,605 in U.S.-$0.50

U.S.

Florida banks and credit unions, 71 institutions: median $30 (audience not stated, treated as personal), middle 50% $29 to $35.

U.S. banks and credit unions, 2,605 institutions: median $30 (audience not stated, treated as personal), middle 50% $25 to $33.

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NSF / Returned Item$30$3080 in FL$302,857 in U.S.About the same

U.S.

Florida banks and credit unions, 80 institutions: median $30 (audience not stated, treated as personal), middle 50% $27.25 to $35.

U.S. banks and credit unions, 2,857 institutions: median $30 (audience not stated, treated as personal), middle 50% $25 to $32.

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Non-Network ATM$1$262 in FL$1.501,649 in U.S.-$1

U.S.

Florida banks and credit unions, 62 institutions: median $2 (audience not stated, treated as personal), middle 50% $1 to $2.43.

U.S. banks and credit unions, 1,649 institutions: median $1.50 (audience not stated, treated as personal), middle 50% $1 to $2.

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Wire Transfer (Domestic Out)$20$2575 in FL$252,629 in U.S.-$5

U.S.

Florida banks and credit unions, 75 institutions: median $25 (audience not stated, treated as personal), middle 50% $20 to $27.50.

U.S. banks and credit unions, 2,629 institutions: median $25 (audience not stated, treated as personal), middle 50% $20 to $25.

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Source: Gulf Winds Federal Credit Union's own published fee schedule, collected Nov 2, 2026. State medians count every bank and credit union headquartered in Florida that publishes the fee, the group the Florida page and this institution's profile use. U.S. medians count every U.S. bank and credit union that publishes it. A median needs at least 5 institutions. Medians as of Nov 2, 2026. Methodology

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Gulf Winds Federal Credit Union

Its main fees against Florida and the U.S.

Compare local options in Pensacola, FL

Monthly Maintenancechecking

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Overdraft (OD)