Updated 5/15/2020 - 8:45 a.m. CST
We will provide important updates to our members with notifications on this page, mobile and online banking, our Facebook page, and through email, if and when appropriate.
Safety is Our Top Priority
At Gulf Winds, our top priority is the well-being of our members, our employees and the communities we serve. We are closely monitoring the coronavirus disease (COVID–19) and are doing everything possible to keep our members and employees safe while providing continued access to your accounts and financial services.
Gulf Winds will continue to monitor this evolving situation and follow the guidance of the Centers for Disease Control and Prevention (CDC) for best practices.
View Updates on Affected Services and Emergency Assistance Offerings by Expanding the Below:
We understand that the Coronavirus crisis is impacting the finances of many of our members. We have a variety of resources available should you need support.
Loan Deferment — We are prepared to assist you on your Gulf Winds loan payments. To get started please fill out the Deferred Loan Payment Request Form. Please note some restrictions may apply. This deferment is only available to members in good standing.
Mortgage Assistance — Mortgage loan payment assistance is being determined on a case-by-case basis. Please call us to discuss potential options.
Credit Cards — We are providing expedited approvals for new credit cards and credit limit increases and/or other options for your existing Gulf Winds credit card.
Anything+ Personal Loans — We’ve dropped the rate of our personal loans to help you during this critical time with rates as low as 4.90%2 APR for up to 60 months. These loans can be used for anything, funded quickly and allow you 90 days with no payments. Apply online or call us now at 1.800.650.6328.
SBA Paycheck Protection Program Loans — After funding for the first round of Paycheck Protection Program loans ran out on April 16, Congress passed a second package of funding on April 23 that included an additional $321 billion for the program. At this time, funds still remain and we encourage you to apply if you have not yet done so. We have partnered with Lendio to make applying easy. Learn more or Apply online »
Fee-Free ATMs — You have access to our network of 85,000 fee-free ATMs. Find an ATM nearby using our ATM locator.
If you need assistance, we’re here to discuss your options. Please call us at 1.800.650.6328 to talk about your situation and the resources we have available. We’re here to help you through this difficult time.
The IRS has the most up-to-date information regarding the stimulus checks on their Payment Information Center website. They also have useful tools to track your payment status and to update your information to ensure you are receiving the payment.
You will qualify for a payment check if you have an adjusted gross income of up to $99,000 as a single tax filer. Recipients of Social Security and railroad retirees are also eligible. Your adjusted gross income can be found on line 8b of the 2019 1040 federal tax return. If you haven’t filed your 2019 taxes, you can use the adjusted gross income on line 7 of the 2018 1040 federal tax return.
Individual filers earning up to $75,000 per year will receive $1,200. Those earning up to $99,000 will receive a reduced check. Married couples that file jointly with no children earning up to $150,000 will receive a total of $2,400, and those earning up to $198,000 will receive a reduced check. You’ll get an additional $500 for every child who qualifies. Use this calculator if you are unsure how much of a stimulus check you will receive.
No. If you’re eligible for the stimulus check, then you will automatically receive a direct deposit or check in the mail from the government.
If you received your 2019 or 2018 tax return via direct deposit, the Internal Revenue Service (IRS) will send your check via direct deposit. If you do not have direct deposit available, then you will receive a paper check in the mail.
The IRS will started depositing the first round of checks around April 15, 2020. Those who have not filed their 2018 or 2019 tax returns with direct deposit will be mailed a paper check starting April 24, 2020. Some paper checks may not arrive until later in the year. We suggest using the IRS' Get My Payment tool to track the status of your payment. We currently do not have any further information on when stimulus checks will arrive.
The U.S. Treasury created an online portal where you can provide your banking information directly to the IRS. This way, you can receive your payment via direct deposit immediately, as opposed to waiting on a check in the mail.
No. Social Security recipients and railroad retirees are not required to file a tax return, and they will receive their payment directly to their bank account or by mail.
Members can use their smartphones or tablets to easily and securely deposit paper checks. Watch our quick video for a tutorial on using mobile check deposit. Members may also use our branch drive-thrus during regular business hours.
Drive-Thrus Open, Lobbies Closed
- All branch lobbies are closed to the public until further notice, but appointments for certain services are available by request.
- Branch drive-thrus at most locations will be open during regular business hours.
Drive-Thrus and Lobbies Closed
- Monroe Street Branch — Tallahassee — Closed Until Further Notice
Our Contact Center can be reached at 800.650.6328, Monday - Friday, 6:00 am - 7:00 pm CST and Saturday, 8:00 am - 2:00 pm CST.
Closing branches and branch lobbies is a preventative measure to protect the health of our members and team members in consensus with recommendations from national health officials. We will offer as many of our normal lobby services from the drive-thrus as possible. Some services may not be available in the drive-thru, but we will work with you to find a solution.
With digital tools from Gulf Winds, you can check your balance, see account activity, transfer funds, deposit checks, pay bills and much more.
Online Banking: You can access your accounts online via Online Banking. If you haven’t enrolled in online banking, it only takes a few minutes.
Mobile Banking: Members are encouraged to download the Gulf Winds app in the App Store or Google Play. These tools provide 24/7 access to your accounts and give you the ability to bank without a trip to the branch.
Mobile Check Deposit: Use your smartphone or tablet to easily and securely deposit checks. Watch our quick video to learn more.
ATMs: Members have access to our network of 85,000 fee-free ATMs. Find an ATM nearby using our ATM locator.
Loan and Account Applications: You can still open an account or apply for a loan online. Call 800.650.6328 and we’d be happy to help you with your loan and account needs.
With the current economic uncertainty, you can rest assured that your funds at Gulf Winds are federally insured by the National Credit Union Administration up to $250,000 per member. Individual Retirement Accounts (IRAs) are federally insured up to an additional $250,000. Learn more about NCUA insurance.
- Following preventative practices as directed by the CDC.
- Encouraging our team members to stay at home if they are sick.
- Directing our janitorial staff to do deep and consistent cleaning.
- Moving group meetings to video conferences
- Practicing social distancing and keeping 6-foot distances between team members.
- Limiting team member travel.
Safety measures for appointments
Gulf Winds is now taking appointments to provide certain services. The following guidelines are to protect the health and safety of our members and team members as we begin conducting business inside of our branches.
- Attendance at appointments is limited only to the people needed to conduct business.
- If you are experiencing any symptoms of COVID-19, please do not come inside for an appointment. We will work with you through other channels to provide the service you need.
- When attending your appointment, please maintain a social distance of 6 feet between yourself and our other members and team members.
- Gulf Winds is directing our janitorial staff to conduct deep and consistent cleaning and our team is wiping down surfaces with disenfectant between appointments.
- Our team members may be wearing masks as an extra safety measure.
Scammers are taking advantage of people’s fears surrounding Coronavirus. They are setting up websites selling bogus products, offering medical advice to take personal information, and creating fake charities to steal donations. Here are some tips to avoid the most common Coronavirus scams. Gulf Winds also recommends signing up for consumer alerts from the FTC.
Branch drive-thrus will be open during regular business hours. All branch lobbies will be closed until further notice, but appointments for certain services are available by request. The Monroe Street Branch in Tallahassee is closed until further notice.
Gulf Winds is carefully transitioning back to providing service inside our branches. Our lobbies are not yet open to the public, but you can now request appointments for certain services.
We will continue to closely monitor COVID-19 and take guidance from national, state and local health authorities. The status of our branch lobbies will be evaluated as more information is available. Members will be notified of any service changes.
With digital tools from Gulf Winds, you can monitor your balance, see account activity, transfer funds, deposit checks, pay bills and much more. Visit GoGulfWinds.com/OnlineBanking to learn more and get started.
Gulf Winds is committed to providing the support you may need today and in the months ahead. We are offering a variety of resources to help meet this challenge. We are offering a variety of resources to help meet this challenge. Visit GoGulfWinds.com/Help for details.
Mortgage loan payment assistance is being determined on a case-by-case basis. We are offering a variety of resources to help meet this challenge. Visit GoGulfWinds.com/Help for details.
At this time, we have lowered our rate on personal loans and are providing expedited approvals for new credit cards, offering credit limit increases and payment assistance for your existing Gulf Winds credit card. Visit GoGulfWinds.com/Help for details.
Yes. With the current economic uncertainty, you can rest assured that your funds at Gulf Winds are federally insured by the National Credit Union Administration up to $250,000 per member. Individual Retirement Accounts (IRAs) are federally insured up to an additional $250,000. Learn more about NCUA insurance »
You have access to our network of 85,000 fee-free ATMs. Find an ATM nearby using our ATM locator.
Members should request an appointment to access their safe deposit box.
Yes. Members should request an appointment to visit their preferred branch for notary services. Notary services are also available in the first lane of our drive-thrus.
As we deal with historic market conditions and modified business arrangements, our Raymond James team is working to be a strong, reliable partner through the current volatility and beyond. Our experienced team of financial advisors is available to provide sound investment advice and answer your questions about how current market conditions could impact you. To request a consultation, please contact us at 1.850.479.7191 or visit GoGulfwinds.com/raymondjames.
Gulf Winds isn't offering this program directly, but we have partnered with Lendio to help members apply. Visit lendio.com/ppp/gulf-winds-credit-union.
Guided by the credit union philosophy of People Helping People, Gulf Winds has committed $100,000 through the Gulf Winds Cares Program to combat COVID-19 and its many effects on our society.
Gulf Winds has donated $65,000 to Sacred Heart Hospital in Pensacola to help the hospital purchase personal protective equipment or PPE for its staff. This donation is equivalent to the cost of one month’s worth of supplies, under normal circumstances.
An additional $17,000 of protective equipment will be provided to first responders across our service area including hazmat suits, N95 masks, gloves, cleaning products and over 100 gallons of hand sanitizer. An additional $5,000 was provided to the Wakulla County Sheriff’s Office Community Fund so they can provide meals to seniors in need.
The remaining $13,000 is committed to partners in Alabama and Tallahassee. The specifics of these partnerships are still being finalized and will be updated here soon.
Thank You for Being a Valued Member
Thank you for your patience during this disruption to our normal level of service. We will provide additional updates as they are available and will resume lobby services as soon as we can.