STAY ALERT: Gulf Winds will NEVER contact you directly and ask for usernames, passwords or verification codes. If you have concerns about a call’s legitimacy, hang up IMMEDIATELY and call us back at 850-479-9601. Learn more.

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Celebrating 70 Years of Service

Join Gulf Winds

Moving Your Journey Forward

Whether you're dreaming of a new home for your growing family or planning an exciting road trip to a new destination, we're here to keep you moving forward.

Join now and open an account with just $5!

No matter where life's adventures take you, we've got you covered with low fees, better rates and on-the-go digital banking tools. 

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

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

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 not-for-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

Never once in all my years of doing business with Gulf Winds have I felt like a customer. From the very first day, they made me feel like family and that is priceless. I'm guessing that I recommend Gulf Winds at least once a day.
Michael H.



Move Your Payday Forward... By Two Days!

It's your money, why wait for it? With direct deposit, you could get your paycheck up to two days early.**

Learn More


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.

Frequently Asked Questions

Typically, the account application process takes just a few minutes if you have all the required information ready. After you submit your application, we may need up to two business days to verify your information and complete the process.

To open a new account, you'll need a government-issued ID (such as a driver's license or passport), your Social Security number, and proof of address (such as a utility bill or lease agreement). Additionally, if you're opening a joint account, both parties will need to provide this information. In some situations, we may need additional documentation to complete your application.

You can fund your new account using a debit or credit card, by transferring money from an external account, by depositing cash or a check at one of our branches, or by initiating a wire transfer. Mobile check deposit funding is available after membership has been established.

Gulf Winds will utilize microdeposits to verify your new account funds if using electronic transfer. Microdeposits are a secure and convenient way for us to verify your external account ownership during the account opening process. By confirming these small deposits, we ensure the safety of your financial information and streamline your onboarding experience with Gulf Winds Credit Union.

You will receive further instructions on how to complete this verification process following application submission. 

** Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.