Savings accounts

Build toward what matters — with safe, reliable options designed for your goals. 
Open account Login

Popular savings accounts

Open account Compare accounts Contact us
Gulf Coast Bank & Trust Savings Account

Savings

A dependable account for everyday saving with easy access to your funds.

  • No minimum balance1

  • No monthly maintenance service cycle charge

  • Earns interest on entire balance

  • Free Digital Banking2 & Credit Score5

Open now
Gulf Coast Bank | Best Money Market

Best Money Market

Earn higher interest on larger balances while keeping flexible access to your funds.6

  • Earn a higher rate of interest as balance grows

  • Flexibility to have access to your money

  • Access to the funds through the convenience of writing checks

  • Free Digital Banking2, Credit Score5

Open now
Gulf Coast Bank & Trust Certificates of Deposit

Certificates of Deposit (CD)

Earn a fixed rate for a set term — a predictable way to save for future needs.

  • Fixed terms of your choice from 90 days all the way to 7 years and above

  • Upon the maturity date, either withdraw your funds or renew your term

  • Available to open online. Terms and restrictions apply8

Open now
Gulf Coast Bank | Individual Retirement Account (IRA)

Individual Retirement Account (IRA)

Build retirement savings with tax-advantaged account options designed for your financial goals.9

  • Traditional IRAs with potential tax-deductible contributions
  • Roth IRAs funded with after-tax contributions
  • Earnings grow tax-deferred or tax-free, depending on the account

Savings accounts for specific needs

Joint Minor Savings

For minors to learn the importance of saving money.4

Talk to a banker

Health Savings Account

Use with a high-deductible health plan to control medical costs. 

Talk to a banker

Christmas Club

Prepare for the holiday season and set your budget ahead of time. 

Talk to a banker

Interest Savings

Earn a higher interest on your savings account.3
Talk to a banker

Coverdell Education Savings Accounts (CESAs)

Save for qualified college and certain K–12 expenses with tax-advantaged growth.7
Talk to a banker

Why choose Gulf Coast Bank savings

Safe and secure deposits
Your deposits are FDIC-insured up to applicable limits, providing peace of mind as your savings grow.
Mobile banking and transfers
Move money, check balances, and manage your savings anytime with secure online and mobile tools.
Accounts for every goal
From short-term plans to long-term financial milestones, we offer options that grow with you.
Local support when you need it
Talk to real people who understand your goals and can help you choose the right account. 
Gulf Coast Bank and Trust

Compare savings accounts

Review key features side-by-side to find the right fit for your goals. 
Talk to a banker
Scroll horizontally to view all plan columns
Interest Savings Money Markets Certificates of Deposit (CDs) IRA Savings
Purpose
What the account is designed for
 Everyday saving Higher-yield savings with ready access Fixed-term savings growth Retirement savings
Interest Earning Potential
How your balance earns returns
 Earns interest Variable, tiered interest rate based on your balance Fixed interest rate Tax-advantaged interest earnings
Access to Funds
How easily you can withdraw money
 Flexible access Limited Access Locked for term Limited access
Contribution Limits
Restrictions on how much you can add
 No limits No limits No contribution limits Annual IRS limits apply
Tax Advantages
Special tax treatment, if applicable
 None None None (unless held in IRA) Tax advantages available
Minimum Balance
Amount needed to open or maintain
 Low minimum balance $20 minimum opening deposit Minimum deposit required Varies by IRA type

Get Started

Choose what you'd like to do and we'll take you there. 

1Minimum Opening Deposit Requirements: May vary depending on the account type you choose to open. See additional disclosures for details below.

2Mobile Deposit and Digital Banking: Gulf Coast Bank & Trust Company ("GCBT") does not charge a fee for using Mobile Deposit and Digital Banking. Message and data charges from your mobile provider may apply.

3Interest Savings: The Annual Percentage Yield (APY) and Interest rates vary based on whether qualifications met. The interest rate may change at any time.

4Joint Minor Savings: Parent or legal guardian must be a joint owner on the account. Additional restrictions apply. See additional disclosures for details below.

5The 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.

6Best 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 Louisiana or Best Money Market for Alabama, Mississippi, and Florida for details.

7Minimum opening deposits apply. Certain income restrictions apply. Consult a tax advisor for more information. Early withdrawals may be subject to penalty. Qualifying expenses are defined differently for elementary and secondary education vs. higher education and may include tuition and fees, books, supplies, room & board, etc. See Coverdell Education Savings Account (CESA) Disclosure Statement for more information and consult a tax advisor for more information on your unique situation.

8Online account opening for CDs is only available for Louisiana residents for Louisiana residents 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 GCBT checking/savings account.

Certain restrictions and limitations apply to accounts opened online.

Additional Information: The contents of this page are informational only. To qualify for a deposit account at GCBT additional requirements must be met. All accounts are subject to approval. Additional fees (See Fee Disclosure) and restrictions may apply. The terms of all accounts are subject to change, including fees, rates, or features. Contact your local banker for current rate information and additional details. See important disclosures: Savings Disclosure, Interest Savings Disclosure, Joint Minor Savings Disclosure, Best Money Market Disclosure (Louisiana), Best Money Market Disclosure (Alabama, Mississippi, Florida), Select Money Market Disclosure for Louisiana, Select Money Market for Alabama, Mississippi, Florida, Educator Plus Vacation Club Disclosure, Health Savings Disclosure for additional details and fees associated with these products.

Paper Statement Fee: All Checking Accounts must enroll in eStatements to avoid the monthly paper statement fee of $4.85

Apple, the Apple logo is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google Inc.