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Join Gulf Winds

Your Journey Matters

For more than 60 years, we have offered our members the innovative financial tools they need to live in the moment—and plan for the future.

Whether it’s home ownership, a car loan, saving for college, planning your retirement or digital banking that moves at the speed of life—we’ve got you covered. Open an account in minutes with just $5.

Open an Account

Who Can Join?

Membership is open to anyone who lives, works, worships or attends school in one of the 75 counties we serve.

Businesses and other legal entities located in these counties and anyone who is an immediate family member of a current member is also eligible for membership.


Alachua, Baker, Bay, Bradford, Calhoun, Clay, Columbia, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Putnam, Santa Rosa, Saint Johns, Suwannee, Taylor, Union, Wakulla, Walton, and Washington Counties

Baldwin, Butler, Clarke, Coffee, Conecuh, Covington, Crenshaw, Dale, Escambia, Geneva, Henry, Houston, Mobile, Monroe, Washington, and Wilcox Counties

Atkinson, Baker, Berrien, Brantley, Brooks, Camden, Charlton, Clinch, Colquitt, Cook, Decatur, Early, Echols, Glynn, Grady, Lanier, Lowndes, Miller, Mitchell, Pierce, Seminole, Thomas, and Ware Counties

Bank vs. Credit Union. Why join Gulf Winds?

We work to help our members. Banks make profits for shareholders.

Our earnings directly benefit you in the form of higher savings rates, better loan rates and lower fees. As a non-profit credit union, every member owns an equal “share” in Gulf Winds, regardless of how much money is in your account.

Ready to make the switch? Do it in four easy steps.

Download the Switch Kit

Explore Our Products and Services

FREE checking options, higher savings rates and low interest rates.

Personal Checking


  • Options with no monthly service fees, no minimum balance
  • Bank anywhere, anytime with free Digital Banking
  • 85,000+ nationwide Fee-Free ATMs

Learn More »

Saving that feels easy.
Save up for that once-in-a-lifetime vacation or stay on track for upcoming big expenses.

Learn more »

Your future self will thank you.
Build wealth and plan for your financial future with guidance from our Raymond James Wealth Advisors.

Learn more »

Auto Loans »
Low rates and flexible terms on new, used or refinanced loans.

Mortgages »
We offer a full line of mortgages including Conventional, USDA, VA, Condo, and even Land and Lot Loans.

Credit Cards »
VISA Platinum, VISA Platinum Rewards, VISA Secured 

Personal Loans »
Low rates mean you can afford the things you need now.

Mobile Devices

Manage Your Account Anytime, Anywhere

Check your balance, transfer money, pay bills, deposit checks and more with our secure Digital Banking. Learn More

Download the gulf winds mobile app from the Apple app store opens in a new window Download the gulf winds mobile app from Google Play opens in a new window

Ready to Open an Account?

Higher savings rates, better loan rates and lower fees. We believe banking should move you forward. Your future self will thank you.