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 APR Range Est. Payment/$1,000 Borrowed
36 months 1.49% - 15.49% $28.42 - $34.91
66 months 1.79% - 16.79% $15.92 - $23.31
75 months 2.24% - 10.99% $14.30 - $18.49
84 months 3.99% - 4.99% $13.66 - $14.13

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: 05/19/2015

Used/Refinance Auto Loan Rates

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Term APR Range Est. Payment/$1,000 Borrowed
36 months 1.49% - 15.49% $28.42 - $34.91
66 months 1.79% - 16.79% $15.92 - $23.31
75 months 2.24% - 10.99% $14.30 - $18.49
84 months 3.99% - 4.99% $13.66 - $14.13

For Used Autos 2007 and older, the following rates apply: terms up to 66 months, APR Range is 4.95% - 17.95% with an estimated payment per $1,000 borrowed of $17.34 - $23.95. 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: 05/19/2015

Boat and RV Loan Rates

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Term APR Range Est. Payment/$1,000 Borrowed
72 months 3.49% - 16.49% $15.41 - $21.96
120 months 4.49% - 17.99% $10.36 - $18.01

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: 05/19/2015

Motorcycle/ATV Loan Rates

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Term APR Range Est. Payment/$1,000 Borrowed
60 months 1.99% - 14.99% $17.52 - $23.78

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. Rates apply to all titled new and used motorcycles and all-terrain vehicles.

Updated: 05/19/2015

Credit Card Rates

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Term APR Range Est. Payment/$1,000 Borrowed
VISA Platinum Rewards 9.90% - 17.90% Greater of 1.5% of Balance or $10.00
VISA Platinum 6.90% - 17.90% Greater of 1.5% of Balance or $10.00
VISA Secured 9.00% Greater of 1.5% of Balance or $10.00
Updated: 09/02/2014

Personal Loan Rates

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Term APR Range Est. Payment/$1,000 Borrowed
60 months 9.90% - 17.90% $21.20 - $25.34

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: 07/23/2014

Personal Line of Credit Loan Rates

 
Term APR Range Est. Payment/$1,000 Borrowed
Personal Line of Credit Prime +5% Greater of 1.5% of Balance or $30.00
Updated: 09/02/2014

Miscellaneous Collateral Loan Rates

 
Term APR Range Est. Payment/$1,000 Borrowed
60 months 8.99% - 18.00% $20.75 - $25.39

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: 07/23/2014

Deposit Secured Loan Rates

 
Term Lowest Annual % Rate
60 months +3.00%
Add the margin to the CD dividend rate to determine the interest on the loan.
Share/CD Secured Loans: Maximum Term 120 Months
Updated: 09/02/2014

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.