Personal Savings Accounts

From Gulf Coast Bank & Trust Company With Locations Across Metro New Orleans & Baton Rouge

It pays to save. You know that. Fortunately, we make it easy!

Whatever your financial goals, we’re here to help you by offering you a variety of savings account solutions that make your savings goals achievable!

Just like our variety of personal checking accounts, we offer a complete line-up of entry-level to interest-bearing savings accounts with perks that make saving that much sweeter.

Plus, along with our traditional Savings Accounts, we offer Money Market Accounts, Health Savings Accounts, Educator Savings Accounts, Christmas Savings Accounts, Minor Savings Accounts, Certificates of Deposit Accounts (CDs), and Individual Retirement Accounts (IRAs). There’s a savings account for every stage and every need.

We’re the bank that cares about you and we want to help you achieve your personal financial goals.

Get started on your savings goals by giving us a call at 1-800-223-2060, requesting an appointment with a banker, or visiting your local Gulf Coast Bank & Trust branch.

  • Traditional Savings Accounts

    Build your savings with the power of interest! You can earn a higher interest rate with a higher balance in your Gulf Coast Bank & Trust Savings Account.

    Apply Online

    Learn more about this tried-and-true option below and apply online or by visiting your local branch today.

    Important Disclosures

    *Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

  • Interest Savings Accounts

    Deposit it, leave it, and watch it grow! Our Interest Savings Account can help you build your savings all on its own. Like magic! These accounts have easy, automatic savings – fueled by our Interest Checking Account interest and your Interest Checking ATM fee refunds. That means you’ll watch more of your money grow!

    Interest Savings Accounts work together with your Interest Checking Account. During each qualification cycle, the interest and ATM refunds you earn from your Interest Checking Account are automatically transferred to your Interest Savings Account where it earns interest again. 

    Plus, even if you don't qualify, there's nothing to worry about.

    Your Interest Checking Account will  earn our base rate of interest on both your checking & savings account. You can get back to earning the higher rate of interest and ATM fee refunds* the very next qualification cycle! 

    There are no extra qualifications for the Interest Savings Account. You automatically receive the highest rate when you meet the qualifications in your Interest Checking. This is super simple. Just do the following each month:

    • Have at least 12 Gulf Coast Bank & Trust issued debit card transactions post and settle during the monthly qualification cycle. 

    • Have at least one Automatic Payment (ACH), Direct Deposit or Online Bill Payment post and settle during the monthly qualification cycle. 

     

    Apply Online  or visit a branch location today to apply. 

     

    Important Disclosures

    **Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information.  

    Available for Personal Accounts only. Limit one account per Social Security number. See Banker for more Details.  

    *Fees incurred from ATM Withdrawals made from your Interest Savings Account will NOT be refunded. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges.

  • Joint Minor Savings Accounts

    It’s never too soon to learn the importance of saving money. For these times, we offer our Joint Minor Savings Accounts. Designed for all ages, these accounts are joint accounts opened with a parent or a legal guardian.

    If applying online the Parent(s) or legal guardian(s) must apply  for this account on behalf of the minor. The minor will be listed as the primary applicant and the parent(s)/legal guardian(s) will be listed as the joint applicant(s).

    Or visit your local branch to apply.

     

    Important Disclosures

    Minor must be age 15 up to age 18 with signing authority to obtain an ATM Card*, register for Digital Banking or be approved for Mobile Deposit.  Minors under the age of 15 will not have signing authority. Parent or legal guardian must be a joint owner. 

    **Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

    *Joint owner must authorize minor to obtain an ATM Card.

  • Educator Plus Vacation Club Savings Accounts

    Hardworking educators deserve their hard-earned vacations. And we’re making it easier for them to plan for and save for their restful breaks.

    Our Educator Plus Vacation Club Savings Account is designed for our Educator Plus Checking Account holders. These accounts work in unison to earn a competitive interest rate when you set up automatic savings transfers – either bimonthly or monthly – from your Educator Plus Checking Account.

    Plus, as an Educator Plus Checking AND Savings Account holder, you’re eligible for a variety of discounts and perks. Learn more about them here.

    Educator Plus Vacation Club Savings Accounts & Checking Accounts are open to individuals  employed at learning institutions in Louisiana and Mississippi.

    Visit your local branch to apply in person.

     Visit a Branch To Apply

    Important Disclosures

    *Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. See disclosures for more information. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges.

  • Christmas Club Savings Accounts

    The expenses of the holiday season can often sneak up on you. But when you plan ahead, you can avoid the financial stress of an overindulged wallet at gift-giving or travel time. Open a Christmas Club Savings Account and start saving for the next holiday season!

    Our Christmas Club Savings Account is open to existing Gulf Coast Bank & Trust Checking Account or Savings Account holders.

    Set your budget ahead of time and start saving by setting up required periodic automatic savings transfers from your Gulf Coast Bank Checking or other Savings Account. Additional deposits are allowed, so you can bolster your holiday savings anytime.

    Visit your local branch to apply.

    Important Disclosures

  • Health Savings Accounts

    A Health Savings Account, or HSA, can help you make rising healthcare costs much more manageable. These accounts are used in conjunction with high-deductible health insurance plans. You can more easily plan for expected and unexpected health costs and prevent a surprise expense from happening.

    Eligible Health Savings Account holders are already participating in a high-deductible health plan. As part of this plan, you’ll pay as you go for medical expenses until you have met your health plan’s deductible. When you have reached the deductible, your health plan will pay for the majority of healthcare for that year.

    Saving funds in a Health Savings Account can help you plan for out-of-pocket medical costs and have a financial buffer when you need it.

    Call 985-249-7264 or email KenFernandez@gulfbank.com* for more information and to see if you qualify for a Health Savings Account

    Important Disclosures

    *Don't email personal or financial information. Email is not a secure method of transmitting personal information. 

  • Money Market Savings Accounts

    Want to earn a higher interest rate on your savings? A Gulf Coast Bank & Trust Money Market Savings Account is for you!

    You can earn a higher rate of interest the higher your balance grows. And you’ll maintain the flexibility you need to have access to your money at all times.

    Or visit your local branch to open a Money Market Savings Account today.

    Important Disclosures

    *Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts.  

    1. You can make unlimited number of cash withdrawals or transfers to your Gulf Coast Bank accounts in person or by using an ATM. 

    2. During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar to a third party. See disclosures for more information. 

    ^Gulf Coast Bank does not charge a fee for using Mobile Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges. 

  • Select Money Market Accounts

    Just like our exclusive Select Checking Account, our Select Money Market Savings Account gives eligible account holders a variety of benefits, discounts, and perks.

    This account earns a higher rate of interest while still giving you flexible access to your funds.

    To learn more and apply for this account, Select Checking Account holders can call 504-412-2041 or request an appointment with a banker today.

    Call Us Today

    Important Disclosures

    *If you no longer meet the eligibility requirements for the Select Money Market account your Select Money Market account will be converted to the Best Money Market account and all of the terms and conditions of the Best Money Market Account will apply. See Best Money Market Disclosure for complete details. 

    **Federal banking regulations restrict the number of withdrawals and transfers that can be made per month on savings and money market accounts. 

         1. You can make unlimited number of cash withdrawals or transfers to your Gulf Coast Bank accounts in person or by using an ATM 

         2. During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar to a third party. See disclosures for more information. 

    ^Gulf Coast Bank does not charge a fee for using Digital Banking, Mobile Deposit, or Alerts. Message and data rates may apply. Please check with your service provider for specifics on any fees and service charges.