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Gulf Winds Federal Credit Union

Loan Rates

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Phone Banking and General Inquiries:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328

Email:

Lost or Stolen ATM or VISA Debit Card:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328

After Hours, Weekends and Holidays: 800.472.3272

Lost or Stolen Credit Card:

Toll Free: 800.449.7728    More Contact Info

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Loan Rates

New Purchase Auto Loan Rates

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Term Lowest Annual % Rate
Up to 36 months 1.49%, 2.49%, 4.49%, 7.49%, 11.49%, 14.49%
Up to 60 months 1.99%, 2.99%, 4.99%, 7.99%, 11.99%, 14.99%
Up to 72 months 2.99%, 3.99%, 5.99%, 8.99%, 12.99%, 15.99%
Up to 84 months 3.49%, 4.49%, 6.49%, 9.49%, 13.49%, 16.49%

Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant’s credit history.

Updated: 01/02/2014

Used/Refinance Auto Loan Rates

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Term Lowest Annual % Rate
Up to 36 months 1.49%, 2.49%, 4.49%, 7.49%, 11.49%, 14.49%
Up to 60 months 1.99%, 2.99%, 4.99%, 7.99%, 11.99%, 14.99%
Up to 72 months 2.99%, 3.99%, 5.99%, 8.99%, 12.99%, 15.99%
Up to 84 months 3.49%, 4.49%, 6.49%, 9.49%, 13.49%, 16.49%

For Used Autos 2007 and older the following rates apply: terms up to 60 months, rates as low as 4.95%, 5.95%, 7.95%, 10.95%, 14.95%, and 17.95%. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant’s credit history.

Updated: 04/02/2014

Boat and RV Loan Rates

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Term Lowest Annual % Rate
Up to 48 months 3.99%, 4.99%, 6.99%, 9.99%, 13.99%, 16.99%
Up to 60 months 4.99%, 5.99%, 7.99%, 10.99%, 14.99%, 17.99%
Up to 120 months 5.99%, 6.99%, 8.99%, 11.99%, 15.99%, 17.99%

Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant’s credit history.

Updated: 08/21/2013

Motorcycle Loan Rates

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Term Lowest Annual % Rate
Up to 60 months 2.99%, 3.99%, 5.99%, 8.99%, 12.99%, 15.99%

Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant’s credit history.

Updated: 06/12/2013

Credit Card Rates

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Term Lowest Annual % Rate
VISA Platinum Rewards 9.90%, 10.90%, 12.90%, 15.90%, 17.90%
VISA Platinum 6.90%, 7.90%, 9.90%, 12.90%, 17.90%
VISA Secured 9.00%
Updated: 03/19/2014

Personal Loan Rates

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Term Lowest Annual % Rate
Up to 60 months 9.90%, 10.90%, 12.90%, 15.90%, 17.90%

Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant’s credit history.

Updated: 12/18/2013

Personal Line of Credit Loan Rates

 
Term Lowest Annual % Rate
Personal Line of Credit 9.90%, 10.90%, 12.90%, 15.90%, 17.90%

The actual APR may vary based on the applicant’s credit history.

Updated: 06/12/2013

Miscellaneous Collateral Loan Rates

 
Term Lowest Annual % Rate
Up to 60 months 8.99%, 9.99%, 11.99%, 14.99%, 18.00%, 18.00%

Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant’s credit history.

Updated: 06/12/2013

Deposit Secured Loan Rates

 
Term Lowest Annual % Rate
60 months +3.00%
96 months +4.25%
120 months +5.25%

Add the margin to the CD dividend rate to determine the interest rate on the loan.
Share/CD Secured Loans: Maximum Term 120 Months

Updated: 06/12/2013

Mortgage Loan Products

For information about our mortgage loan products, current rates and pre-qualification, please contact our Mortgage Loan Representatives at 850.479.9601.