The National Credit Union Association (NCUA) has received reports of a phishing scam claiming to offer services on behalf of the NCUA. Please beware of any phone calls or emails you receive requesting your personal information. If you receive such communication and suspect that it is fraudulent, you can call NCUA’s fraud hotline at 1-800-827-9650.

Gulf Winds Federal Credit Union

Contact Us


Phone Banking and General Inquiries:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328


Lost or Stolen ATM or VISA Debit Card:

Pensacola Area: 850.479.9601    Tallahassee Area: 850.562.6702

Toll Free: 800.650.6328

After Hours, Weekends and Holidays: 800.472.3272

Lost or Stolen Credit Card:

Toll Free: 800.449.7728    More Contact Info

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Deposit Secured Loans

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Calculations are Estimates Only

A deposit-secured loan will allow you to receive a lower rate than non-secured personal loans because your savings or certificate account guarantees the loan.

How does it work?

To receive a deposit secured loan, you must have either a Share Savings account or a Share Certificate account with Gulf Winds. Your collateral is essentally the amount of money held in either of those types of accounts.

Features & Benefits

  • Simple Application Process
  • Fixed Term and Rate
  • As Payments are Made, Those Funds Become Available

Deposit Secured Loan Rates**

Term Lowest Annual % Rate
60 months +3.00%
96 months +4.25%
120 months +5.25%

**Add the margin to the CD dividend rate to determine the interest rate on the loan.
Share/CD Secured Loans: Maximum Term 120 Months