Michaels Security Breach Information:Gulf Winds is aware that Michaels has identified a debit card and/or credit card compromise. According to Michaels, this data breach occurred between May 2013 and January 2014 at various Michaels’ stores throughout the U.S. For your protection, Gulf Winds debit and credit cards are monitored 24 hours a day, 7 days a week for fraudulent activity. Click here for more information.

Michaels Security Breach Information:Gulf Winds is aware that Michaels has identified a debit card and/or credit card compromise. According to Michaels, this data breach occurred between May 2013 and January 2014 at various Michaels’ stores throughout the U.S. For your protection, Gulf Winds debit and credit cards are monitored 24 hours a day, 7 days a week for fraudulent activity. If your card was affected by this breach, we will send you a notification letter via mail. In the meantime, please monitor your accounts diligently with Online Banking, Mobile Banking and our Phone Banking service. Please report any unusual activity as soon as possible to our Contact Center at (800) 650-6328.

Gulf Winds Federal Credit Union

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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 2006 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: 04/21/2014

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.