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Celebrating 70 Years of Service

How Can We Help Move You Forward?

Serving 75 counties in Florida, Alabama and Georgia.

Max Value Mortgages™

Don't let a down payment or cost of private mortgage insurance (PMI) stop you from owning your dream home. Consider our conventional 100% and 97% loan-to-value purchase options featuring:

  • Low to no down payment
  • No private mortgage insurance (PMI)
  • Fixed rate for 30 years
  • Gulf Winds retains and services your loan

Apply online or contact our helpful mortgage team to get started! 

View Rates & Apply  Contact Us

High-Yield Checking Account 

Free checking that pays! Get more for your money by earning higher interest on your everyday balance.

  • Earn up to 4.0% APY*
  • No Monthly Service Fee
  • No Minimum Balance
  • Get Paid Up To 2 Days Early1

Open an Account Learn More

Mobile Devices

Manage Your Account Anytime, Anywhere

Check your balance, transfer money, pay bills, deposit checks and more with our secure Digital Banking. Learn More

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The Gulf Winds Difference

We're in your corner and ready to help move you forward. Our innovative financial tools give you the freedom to live your life, with your finances under control.

Great Rates
& Low Fees

As a not-for-profit, our earnings directly benefit our members in higher savings rates, better loan rates and lower fees.

Safe, Sound
& Secure

We use advanced technology to help protect you from fraud and ensure Digital Banking access remains secure for our members.

Solutions
Not Obstacles

Driven by the credit union philosophy of ‘People Helping People’ we help our members build their best financial life.

25 Years
5-Star Rated

For our continued show of financial strength, we have earned and maintained Bauer's Top, 5-Star Rating continuously for over 25 years.

Caring for the Community

We’re here to help people—not only our members but our communities too. Through sponsorships, donations, and volunteer hours, we are a positive force in the region.

Our Gulf Winds Cares Foundation provides dependable support for organizations serving youth, seniors, basic needs, and financial education.

Learn More

Ready to join Gulf Winds?

Whether it’s a car loan, home ownership, saving for college, planning your retirement or digital banking that moves at the speed of life—we’ve got you covered.

Save. Spend. Live.

Insights and expertise to help you navigate your financial journey.


*Rates as of 07/25/2024. The rate and Annual Percentage Yield (APY) stated for Share Draft Checking Accounts is declared by the Board of Directors and is subject to change at any time. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.

1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.