Best Money Market
- Earn higher rates as your balance grows
- Access your money when you need it
- Write checks directly from your account for added convenience
- Get free Digital Banking and Credit Score reporting included
Certificates of Deposit and Money Market Funds
Earn more on the money you're saving with steady growth you can count on
Money Market Funds and
Certificates of Deposit
Grow Your Savings with Money Market Accounts and Secure, Reliable, and Designed Certificates of Deposit for Your Financial Goals
With Gulf Coast Bank's Money Market and Certificates of deposit, you know you’re getting care that you might not receive at other financial institutions.
Certificates of Deposit
Secure a fixed rate, let your money work for you
- Choose the term that fits your goals from 90 days to 7 years
- When your CD matures, decide what's next: withdraw your funds or roll them into a new CD
- Open your account online anytime
- Prefer to talk it through? Connect with us virtually seven days a week, 9am to 8pm
| Terms | APY | Rate |
|---|---|---|
|
3-5 Months |
2.75% |
2.80% APY |
| 6-8 Months |
3.10% |
3.14% APY |
| 9-11 Months |
3.27% |
3.25% APY |
| 12-17 Months |
3.45% |
3.45% APY |
| 18-23 Months |
3.45% |
3.45% APY |
Money Market Funds
Enjoy higher earnings with the freedom to access your funds
Select Money Market
- Earn even higher rates with higher balances than Best Money Market
- Available when you have a Select Checking Account
- Access your funds whenever you need them
- Write checks for easy, direct access
- Includes free Digital Banking and Credit Score
| Dividend Rate | APY | |
|---|---|---|
| $1,500,000.00+ | 3.35% | 3.38% |
| $1,000,000 - $149,999,999.99 | 3.00% | 3.03% |
|
$250,000.00 - $999,999.99 |
0.75% | 0.75% |
| $100,000.00 - $249,999.99 | 0.60% | 0.60% |
|
$0.01 - $99,999.99 |
0.40% | 0.40% |
| Dividend Rate | APY | |
|---|---|---|
| $1,500,000.00+ | 3.40% | 3.45% |
| $1,000,000.00 - $149,999,999.99 | 3.40% | 3.44% |
|
$250,000.00 - $999,999.99 |
0.85% | 0.85% |
| $100,000.00 - $249,999.99 | 0.70% | 0.70% |
|
$0.01 - $99,999.99 |
0.50% | 0.50% |
Can't visit a branch?
Meet virtually with one of our Bankers to open a personal checking account, personal savings account, or certificate of deposit (CD) from the comfort of your home. Available seven days a week from 9:00am to 8:00pm.
13.75% APY (Annual Percentage Yield) for (18) eighteen to (23) twenty-three months Certificate of Deposit. APY effective as of October 9, 2025. APY is subject to change without notice. Minimum deposit of $2,000 required to open and earn stated APY. Interest on CDs longer than 12 months must be paid out at least annually. Fees could reduce earnings. Penalty for early withdrawal will apply and may reduce the earnings on your account. Unless instructed otherwise, the CD will automatically renew for the same term at our Standard CD rates in effect at the time of renewal. Other restrictions may apply. Offer is only valid for CDs opened in Louisiana branches. Certain restrictions and limitations apply to accounts opened online. Ask your banker for details, terms, and current rates.
2Online account opening for CDs is only available for 6-, 12-, 24-, 36-, 48- and 60-month terms. CDs opened online limited to $50,000.00 and must be funded via ACH or transferred from an existing Gulf Coast Bank checking/savings account.
All CD terms, including 90 days up to 7+ years, are available to open in-branch. CDs opened in-branch are not subject to maximum deposit limits.
3Message and data rates apply. Check with your service provider for details. Internet connection or data connection required. See Zoom System Requirements for detailed information on minimum operating requirements that may apply to your device.
4Best Money Market: This is a tiered rate account. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. See Select Money Market Disclosure for details.
5Select Money Market: This is a tiered rate account. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. See Best Money Market Disclosure for details.
6Mobile Deposit and Digital Banking: Gulf Coast Bank does not charge a fee for using Mobile Deposit and Digital Banking. Message and data charges from your mobile provider may apply.
7The credit scores presented in SavvyMoney are based on the VantageScore 3.0 scoring model. This score may differ from your FICO score. The credit score presented in SavvyMoney may not be identical in every respect to any consumer credit scores provided by any other company. SavvyMoney utilizes factors from the three major credit reporting bureaus (Equifax, Experian and Transunion) to determine credit score.