CERTIFICATES OF DEPOSIT With as little as $1,000 you can invest in a short-term Credit Union Share Certificate and maximize your earnings.  Choose certificate terms from 3 to 60 months.  Check out our latest certificate rates. MONEY MARKETS If you have money to invest, but liquidity is important, our Money Market Account is for you!  Our competitive rates are based on four balance tiers: $0 - 4,999 $5,000 - $9,999 $10,000 - $24,999 $25,000 and up IRAs Don't take chances with your future! There's a lot more to having an IRA than just getting tax advantages.  It's your future, the key to your goals.  You'll never have to worry about taking chances with that future when your IRA is at the credit union.  Your savings are secure, and your money will always be there when you need it.  Here are the benefits of a credit union IRA: Competitive rates No annual maintenance fees  Insured deposits Payroll deduction to simplify contributions No or low minimum deposit requirements  rates TRADITIONAL IRA ACCOUNTS Your contributions may be tax deductible There are no hidden fees Your earnings grow tax deferred until withdrawn You may contribute up to $5,000 per year ($5,000 if over age 50) Certificate options are available with no monthly fees Federally insured up to $250,000 by NCUA ROTH IRA ACCOUNTS In contrast, Roth IRA contributions are always made with after-tax dollars, but qualified withdrawals are tax-free - including all your earnings!* As for similarities, the aggregate contribution limit to either a Roth or traditional IRA is $5,000 for 2008 (higher if age 50 or over), or 100% of your compensation (whichever is less).  And both offer the flexibility to use the funds not only for retirement, but also for a first-time home purchase and higher-education expenses. Contact us for more information or to open an IRA. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, NCUA, National Credit Union Administration, A U.S. government agency.  We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Learn how to get the most protection for your deposits.

“We really love our Gulf States. They remind us of the days when you could walk into your bank and were greeted by your name and a smile. The staff is friendly and really makes you feel welcome.   Their rates are always competitive and meeting with a member service representative is never a hassle. Our favorite is Joan. She treats us just like family and takes care of all our financial needs. We transfered from another bank and a credit union to Gulf States, some years ago and we're very happy with service and personal attention that we received from them."    Sincerely,   Ron and Donna V. Members   PS If you are not a member of Gulf States Credit Union, then you are missing out on a stress free , very special banking experience.       ♪♫ If your happy and you know it . . . Tell a neighbor. ♪♪