Gulf Winds Federal Credit Union

When was the last time your bank made you smile?

At Gulf Winds, we work hard to put a smile on your face every day. Our mobile banking offers you easy access to your accounts anytime, anywhere. And our low rates and fees will put more money in your pocket — which makes everyone happy. Maybe it’s time to say goodbye to your bank and hello to maximum banking goodness at Gulf Winds.

Gulf Winds is a full-service financial institution with a vision, mission, and commitment to member service. You can join if you live, work, worship, or attend school in Escambia, Santa Rosa, Leon, Gadsden, Wakulla or Jefferson Counties, Florida, and Escambia County, Alabama.


“I had a question for Gulf Winds and messaged the Gulf Winds Facebook page for help. Katy was so helpful and patient in answering my concerns. Thanks Gulf Winds for being there for your members!”
“This is the BEST financial institution with which I have ever done business! I recommend Gulf Winds to everyone I know.”
“Gwen McKinney was wonderful, professional and very thorough. She handled everything quickly and made the loan process so easy. I am blown away by the level of customer service that she displayed! We never even had to step foot into an office.”
“We love everything about Gulf Winds. The service is excellent. Everyone is so pleasant and helpful. Your offices are always clean and welcoming. Keep up the good work!”
(April 2015)
“Gulf Winds has always provided quality customer service since I have been a member. Thank you for being a top quality financial institution.”
“Very easy sign up process. I chose Gulf Winds because of the new mobile app and Apple Pay. I can't wait to start using my account!”
“I was very pleased with the service I received at Gulf Winds. The first time I ever stepped in one of your branches and I was treated like family. Thank you.”
“I was very pleased with my loan experience. I was on my lunch hour and the representative got me in, out and on time getting back to work. She was so nice and explained everything. I knew when I left that I had made the correct choice in Gulf Winds.”

Mobile Banking!

Mobile Banking

Manage your accounts anytime, anywhere and on any device with Gulf Winds Online and Mobile Banking. You finances are at your fingertips on your computer, tablet or smartphone. You can even stay on top of your account by setting email and text alerts.

Great Rates on Auto Loans

Auto Loans

Your car actually seems more awesome when your payments are low! Whether you’re buying a new vehicle, pre-owned, or would like to refinance your current auto loan from another lender, our low rate loans mean more happiness every time you turn the key and crank up the radio.

Mortgage Loans

Home Loans

Whether you’re in the market for your dream home or want to more cash in your pocket with a mortgage refi, our experienced mortgage team will work with you to design a perfect plan for your lifestyle and budget. We currently offer 15, 20 & 30-Year Fixed Mortgages, Lot Loans, Home Equity Lines of Credit and Fixed Home Equity Loans.

Low Rate Credit Cards

Credit Cards

Our credit card rates are so low even our highest rates beat the competitors lowest. This is one time when feeling low is the best! Whether you want to earn rewards, get the lowest possible rate, or build your credit, we have a card for you. Pick your card and apply today. Our credit cards offer Tiny Chip protection and are enabled for Apple Pay.


Sharing the Goodness

Gulf Winds follows the credit union philosophy of "people helping people." We are committed to supporting the communities we serve. Gulf Winds Cares impacts our youth, families, local environment, and local neighborhoods alike. Just like you, the Gulf Winds team lives, works, and worships within our community charter and we firmly believe in investing in our communities will have a positive effect for years to come. Learn More »

Easy Personal Loans

Personal Loans

Our Anything+ Personal Loans are all-purpose, unsecured personal loans that can be used for, well, just about anything. It can be a practical, economical way to finance major purchases, cover unexpected expenses, or consolidate debt. Sign, collect your money, and spend it any way you choose: furniture, college costs, wedding expenses, car repairs, kid’s braces – it’s up to you!

Checking that works for you

Checking Accounts

Gulf Winds makes having a checking account easy. MyChecking accounts can save you money with banking alerts, online bill pay, fee-free ATMs, fee refunds, and more. No minimum balance and your VISA Debit Card is free. Plus, you’ll enjoy free online and mobile banking with bill pay and free e-statements with check images.

We make it easy to Save

Savings Accounts

Start saving today with Gulf Winds. We offer a variety of savings options, including no-fee and low-balance accounts, higher interest accounts, and accounts for kids and teens. Call us at 1.800.650.6328 or visit one of our convenient branch locations today to start saving.

Financial Planning

Raymond James

The Raymond James Wealth Advisors at Gulf Winds are ready to help you create a Life Well Planned. With offices throughout the Gulf Coast, we offer the financial capabilities of Raymond James and the reliability of being local. Contact us for and start planning a brighter financial future.


Join Today!

Open an Account Online, stop by one of our branches or call us today at 1.800.650.6328.

Open an Account   FIND A BRANCH NEAR YOU

Over 90 Local Fee-Free ATMs | Over 40,000 Nationwide Fee-Free ATMs | Free 24 Hour Phone Banking


Membership is open to:

  • Anyone who lives, works, worships, or attends school in Escambia, Santa Rosa, Leon, Gadsden, Wakulla, or Jefferson Counties, Florida and Escambia County, Alabama.
  • Businesses and other legal entities located in the above counties.
  • Members, employees, and churches of the African Methodist Episcopal churches within the Florida Annual Conference comprised of Gadsden, Leon, Madison, Jefferson, Taylor, Wakulla, Escambia, Santa Rosa, Okaloosa, Walton, Holmes, Washington, Bay, Jackson, Calhoun, Gulf, Liberty, and Franklin Counties, Florida.
  • Anyone who is an immediate family member of a current member.