Beginning January 1, 2017, there will be some changes to the CO-OP ATM Network that may affect members who regularly use Walgreens or 7-Eleven ATMs. More Information…

Beware Phone Scam: We have received reports of a phone scam telling members they qualify for 0% interest on their credit card. Please beware of any phone calls or emails you receive requesting your personal information. Never share personal information, and remember Gulf Winds will never contact you asking to verify sensitive. You can help to safeguard your accounts by never allowing another person access to your online banking. If you receive suspicious communication and suspect that it is fraudulent, you may call us at (800) 650-6328.

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Gulf Winds Loan Rates

Loan Rates

RV Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
72 months 3.49% - 15.49% $15.41 - $21.41
120 months 4.49% - 16.49% $10.36 - $17.06

Rates as of . $10.36 - $17.06

Boat Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
72 months 3.49% - 15.49% $15.41 - $21.41
120 months 4.49% - 16.49% $10.36 - $17.06

Rates as of . 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.

New Auto Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
36 months 1.49% - 12.49% $28.42 - $33.45
66 months 1.99% - 15.99% $16.01 - $22.87
75 months 2.74% - 17.49% $14.52 - $22.01
84 months 3.99% - 5.99% $13.66 - $14.60

Rates as of . 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 and underwriting criteria.

Used Auto Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
36 months 1.49% - 12.49% $28.42 - $33.45
66 months 1.99% - 15.99% $16.01 - $22.87
75 months 2.74% - 17.49% $14.52 - $22.01
84 months 3.99% - 5.99% $13.66 - $14.60

Rates as of . 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 and underwriting criteria. Add 1% APR for any vehicle with over 75,000 miles.

Refinance Auto Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
Up to 36 months 1.49% - 12.49% $28.42 - $33.45
Up to 66 months 1.99% - 15.99% $16.01 - $22.87
Up to 75 months 2.74% - 17.49% $14.52 - $22.01
Up to 84 months 3.99% - 5.99% $13.66 - $14.60

Rates as of . 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 and underwriting criteria. Add 1% APR for an vehicle with over 75,000 miles.

Boat and RV Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
72 months 3.49% - 15.49% $15.41 - $21.41
120 months 4.49% - 16.49% $10.36 - $17.06

Rates as of . 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.

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

Rates as of . 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.

Credit Card Rates
Term APR Range Est. Payment/$1,000 Borrowed
VISA Platinum Rewards 9.90% - 17.90% Greater of 1.5% of Balance or $10
VISA Platinum 6.90% - 17.90% Greater of 1.5% of Balance or $10
VISA Secured 9.00% Greater of 1.5% of Balance or $10

Rates as of . Rates are based on individual credit worthiness. Rates are subject to change without prior notice.

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

Rates as of . 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.

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

Rates as of . Actual APR will vary based on Prime rate.

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

Rates as of . 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.

Deposit Secured Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
up to 120 months Share Rate + 3.00%

Rates as of . Add the margin to the Share dividend rate to determine the interest rate on the loan. Share Secured Loans: Maximum Term 120 Months

Mortgage Loans

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

 

We’re giving our profits back to you.

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