Memorial Day: Our branches and contact center will be closed on Monday, May 25, 2015, in observance of Memorial Day.

Gulf Winds Federal Credit Union

Dealer Network

Get more incentives when you shop at one of our participating dealerships and finance with Gulf Winds.

$20 Shell Gas Card or $50 VISA Gift Card

More Information


Not A Member?

It's Ok! Unlike some credit unions, you can take advantage of our special auto loan rates if you live, work, worship or attend school in Escambia, Santa Rosa, Leon, Gadsden, Wakulla or Jefferson Counties, Florida and Escambia County, Alabama.

The Gulf Winds AutoCheck is Your Ticket to Drive!

Looking for the confidence to negotiate the best price on a car that you know you can afford? Then look no further than the Gulf Winds AutoCheck, which is a check given to members who are pre-approved for a new or used automobile loan. You'll score a low-interest-rate loan with no hidden fees. Plus, you'll know exactly what you can afford. Simply take your AutoCheck to the dealership and it should make your purchase so much easier.

Key Features:

  • Same great terms as our new and used auto loans
  • The AutoCheck check is valid for 30 days
  • Accepted by dealerships in the communities we serve
  • Good as cash, which allows you to negotiate the best price

We’ve made getting your next auto loan and the buying process less stressful with our AutoCheck program.


Auto Loans

Right now you can purchase a new or used car or refinance your loan with rates as low as 1.79% APR for 66 months and make no payment for 90 days.

Getting a new, used or refinanced auto loan with Gulf Winds means you can take advantage of:

  • No Payments for 90 Days
  • Great Fixed Rates, as low as 1.79% APR* for up to 66 months
  • $100 for financing your vehicle with Gulf Winds
  • Simple Loan Application
  • Preapproved Term and Rate Good for 30 Days
  • Dealer Network with Incentives

Apply Online Now


or Contact Us at: (800) 650-6328

Refinance and Save

Ever wish you would have shopped around for your auto loan the way you sought out the best deal on your car? It's not too late! Is your current auto loan rate with another lender higher than our low rates? If so, it may be worth your time to check your current loan balance and rate, and see how much money a Gulf Winds auto loan can save you. Learn More

Loading Current Rates...
Loading Current Rates...

Extended Warranty and Auto-Protection Plans

As your vehicle gets older, the risk and cost of repairs will increase. That is when you need protection the most. There is a chance you could pay hundreds of dollars for mechanical and electrical repairs after your factory warranty has expired. Ask us about our auto protection plans.

$100 bonus incentive applies to new Gulf Winds auto loans of $7,500 or more. Offer ends July 31, 2015.