STAY ALERT: Gulf Winds will NEVER contact you directly and ask for usernames, passwords or verification codes. If you have concerns about a call’s legitimacy, hang up IMMEDIATELY and call us back at 850-479-9601. Learn more.

Skip to main content
Celebrating 70 Years of Service

Who We Are

Your financial journey matters.

We’re a not-for profit credit union owned by our members. Our innovative financial tools give you the freedom to live your life, with your finances under control.

Gulf Winds serves 75 counties in Florida, Alabama and Georgia.
We are part of your community and we work to help you.

Our Mission

Helping our members and communities succeed financially.

To become the leading and most trusted credit union on the Gulf Coast.


I own my actions and decisions.
I do what I say I’m going to do.


I put the well-being of others above my own.
I help members meet their goals.


I am committed to the success of the credit union.
I never stop learning and growing.


I challenge the status quo.
I enhance the member’s experience.

Who We Are

Back in 1954, starting with just a few employees, we began helping members with their financial goals. Since then, we have successfully opened numerous new branches, started a contact center, instituted digital banking, completed multiple mergers, started our own foundation, and expanded our reach to a three-state area. Along the way, we’ve grown to carry more than 1 billion in assets and serve more than 83,000 members. From daily banking needs to investment services, our members aren’t treated like an account number, but as part of the family.

2023 Business Report

The Credit Union Difference

We work to help our members. Banks make profits for shareholders.

Our earnings directly benefit you in the form of higher savings rates, better loan rates and lower fees. As a not-for profit credit union, every member owns an equal “share” in Gulf Winds, regardless of how much money is in your account.

Best of Bauer

BauerFinancial 5-Star Rating

We maintain overall financial superiority in areas like capital adequacy, delinquent loan levels, and profitability. For our continued show of financial strength, BauerFinancial has awarded us its highest 5-Star superior rating.

And because we have earned and maintained Bauer’s Top, 5-Star Rating continuously for over 25 years, we have the added distinction of “Best of Bauer Credit Union.” This designation is reserved specifically for institutions that have earned Bauer’s highest rating consistently for a minimum of 100 consecutive quarters.

BauerFinancial is the nation’s leading independent bank and credit union rating and research firm, reporting and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. For more information on BauerFinancial, visit

Always excellent customer service and always goes above and beyond expectations!!


Caring For Our Community

We believe in People Helping People.

Learn More »


Credit Union Leadership

Gulf Winds' Board, Officials and Executive Team.

Learn More »


Join Our Team

Discover job opportunities at Gulf Winds.

Explore Opportunities »

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.