Heartbleed Bug Not a Threat to Gulf Winds Members: On an ongoing basis, Gulf Winds evaluates its website and online systems for security threats and potential vulnerabilities. Gulf Winds’ systems are not susceptible to the recent “Heartbleed Bug” and no systems have been compromised. Members can be assured that their accounts remain safe and secure.

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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International Credit Union Day

Credit unions are recognized as a force for positive economic and social change. With more than 200 million members at 56,000 institutions across 101 countries, they provide significant value in both developed and emerging nations. Since 1948, International Credit Union Day has celebrated this history and core mission each year on the third Thursday of October. This year’s theme, “Credit Unions Unite for Good: A Better Way,” recognizes the benefits of cooperation among this powerful global network. Sharing our challenges, experiences and solutions with one another helps us to better serve our members. International Credit Union Day is sponsored by World Council of Credit Unions, the international trade association and development agency for credit unions, as well as numerous national credit union trade associations and federations around the world.

Don't Tax My Credit Union

In the U.S. there are 96 million credit union members representing 40% of all Americans. However, credit unions only hold 6% of the assets in financial institutions. Today there are opposing interests that want to impose taxes and fees on credit unions. Credit unions are not-for-profit and meet their core mission every day, but big banks want to drive competition out of the market. Middle-class, working families and small business owners who use credit unions shouldn’t pay the price for big bank greed. You didn’t save your money to make someone else rich.

Join Credit Union National Association (CUNA) in our fight against taxes and fees. Let your representatives know that you don’t want taxes on your credit union. Help us preserve financial choice for American consumers.

CUNA has created a campaign dedicated to ensuring Congress doesn’t raise taxes on credit union members nationwide and to preserving financial choice for American consumers.


For more info, visit donttaxmycreditunion.org.

Banks vs. Credit Union Videos

Banks vs. Credit Union Videos

Though we may be a bit biased, I think we can all agree that credit unions are WAY better than banks, right? But why is that? Watch the videos below for a few reasons why credit unions are better.

"I Love You" Bank vs. Credit Union Ad (based on the Mac vz. PC ads)

"Difference Between Banks and Credit Unions" (from our Canadian neighbors)

"Banks vs. Credit Unions" (from MoneyTalksNews)

"Banks vs. Credit Unions" (from CBS)

Credit Unions are Different by Design


Credit Unions



Not for profit, not for charity, but for service. Earnings returned as better rates, fewer and lower fees, improved services.

Business orientation. Exist to earn a profit for stockholders.


Member-elected, unpaid volunteer directors.

Shareholder-elected, paid directors.

Savings (share accounts)

Regular and money market accounts, certificates, and other plans available.

Regular and money market accounts, certificates, and other plans available.


A wide variety of loan types including personal, auto, secured, home improvement, mortgage, student, and credit cards.

Loan consideration takes into account applicant’s character and capacity to repay. Loan rates generally lower than at banks.

A variety of loan types but banks traditionally are oriented toward commercial loans.

Loan consideration is usually based on applicant’s credit record and capacity to repay. Loan rates usually higher than credit union rates.

Checking (share draft)

Most credit unions offer at least one of the following accounts: economy checking, regular checking, or interest-bearing checking.

Checking account types are similar, but more banks charge higher fees associated with their accounts than do credit unions.


Credit union fees typically are fewer and lower than bank fees. Credit unions rarely price fees to produce revenue.

Fees account for nearly one-third of banks’ total profits.


Deposits in nearly all credit unions are insured up to at least $250,000 by federal or private insurer.

Nearly all accounts insured up to $250,000 by a government agency.