Emerald Coast Credit Union Port St Joe FL | Affordable Auto Loans & ATM Access

Introduction

Welcome to Emerald Coast Federal Credit Union, your trusted partner in financial well-being since 1939. Located at 502 Woodward Ave, Port St Joe, FL 32456, we proudly serve our community with a commitment to providing exceptional banking services tailored for you. With over 5,426 members and total assets reaching an impressive $66,775,604, we are dedicated to supporting our members' financial goals through various products and services. At Emerald Coast, we believe in making banking accessible and straightforward. Whether you're looking for personal checking and savings accounts, auto loans, or mortgage refinancing, our friendly team is here to help. We currently offer $3,960,571 in total deposits and have facilitated a total of 2,921 loans, showcasing our strong lending capacity. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: PO BOX 128, PORT ST JOE, FL 32457-0128. Our leadership team is committed to ensuring that each member receives personalized service. Under the guidance of our CEO, April Redmond, and Board President, Sue Gannon, we strive to create a welcoming environment where your financial health is our top priority. Our dedicated staff of 20 employees is ready to assist you during our operating hours: Monday, Tuesday, Thursday from 9 AM to 5 PM; Wednesday from 9 AM to 1 PM; and Friday until 5:30 PM. Join us at Emerald Coast Federal Credit Union today! Whether you're looking for a new account or need assistance with your existing services, feel free to give us a call at 850-227-1156 or visit us online at Emerald Coast FCU. Together, let's build a brighter financial future!

Branch History & Mission

Our Mission

At Emerald Coast Federal Credit Union, our mission is clear: we strive to empower our members through accessible financial services while actively supporting community initiatives. We believe that financial stability goes hand-in-hand with community growth. That's why we regularly engage in outreach efforts aimed at improving the lives of those around us. Our commitment extends beyond traditional banking; we leverage technology to ensure that all members can access online and mobile banking services seamlessly. With ADA compliance as a priority, we work hard to create an inclusive environment where everyone feels welcome. While members can visit us at 502 Woodward Ave, official correspondence should be sent to PO BOX 128, PORT ST JOE, FL 32457-0128 if needed. We invite you to join us at Emerald Coast Federal Credit Union. Experience firsthand how our member-focused approach can help you achieve your financial goals while being part of a community that cares deeply about its residents. Together, let's build a brighter financial future! For more information or inquiries, feel free to reach out at (850) 227-1156 or explore our website at emeraldcoastfcu.com.

Branch Location & Accessibility

Welcome to the Emerald Coast Federal Credit Union, your friendly financial partner located at 502 Woodward Ave in beautiful Port St Joe, FL. Nestled in Gulf County, our branch is conveniently situated near local landmarks, making it easy for you to stop by whether you're running errands or enjoying a day out. We're just a stone's throw from the stunning shores of St. Joseph Bay, so you can swing by on your way to the beach! At our branch, we prioritize accessibility for all members. With ample parking available and features that comply with ADA standards, getting to us is hassle-free. For those who prefer a drive-thru option, we offer convenient banking services without leaving your car. We're open Monday through Tuesday and Thursday from 9 AM to 5 PM, Wednesday from 9 AM to 1 PM, and Friday until 5:30 PM perfect for fitting banking into your busy schedule! If you need assistance or have questions about our services like personal loans, auto financing, or online banking options, don't hesitate to reach out at (850) 227-1156. And if you need to access cash outside of our operating hours, we have an ATM available on-site. Whether you're stopping in for a quick transaction or seeking personalized financial advice, we're here for you every step of the way. While members can visit us at 502 Woodward Ave Port St Joe Fl 32456, official correspondence should be sent to PO BOX 128, PORT ST JOE, FL 32457-0128. So come visit us at Emerald Coast Federal Credit Union we look forward to helping you achieve your financial goals!

Member Eligibility

Becoming a member of Emerald Coast is like joining a close-knit family where your financial well-being is our priority. If you live, work, worship, or attend school in the beautiful Gulf County area, you're already eligible to join us! Our community-focused approach means that everyone is welcome to take part in the benefits we offer, from competitive loan rates to personalized service that truly understands your needs. To start your journey with us, simply visit our branch at 502 Woodward Ave Port St Joe Fl 32456, or give us a call at (850) 227-1156 for more information. For detailed eligibility criteria and updates, check out our website at . We look forward to welcoming you into our vibrant community!

Business Banking & Commercial Services

Loan Options for Every Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $21 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $127,075, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services tailored for your daily operations. Imagine having a reliable payment processing solution that fits seamlessly into your existing workflow. Whether you're a small retail shop or a bustling restaurant, our services help you accept payments quickly and securely. This means more time focusing on what truly matters growing your business! Located at 502 Woodward Ave Port St Joe Fl 32456 in Port St Joe, FL, our team is ready to work with you. Reach out at (850) 227-1156 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Call to Action

We invite you to explore these services further by visiting us or calling at 850-227-1156 during our operating hours: Monday, Tuesday, Thursday from 9 AM - 5 PM; Wednesday from 9 AM - 1 PM; and Friday from 9 AM - 5:30 PM. Discover how Emerald Coast can support your financial journey today!

Convenient Access

At Emerald Coast, convenience matters. That's why we offer ATM services for easy cash withdrawals and balance checks right from your neighborhood. For quick transactions like deposits or withdrawals, our basic drive-thru banking service allows you to complete transactions without leaving your car.

Credit Cards and Business Banking

Are you interested in earning rewards while spending? Our credit cards with rewards can help you earn points on everyday purchases. Whether it's groceries or gas, enjoy the benefits while managing your cash flow effectively. For small business owners, we understand how important it is to have reliable financial support. Our business banking services, including merchant services and business loans, are designed to help you thrive in today's competitive market.

Loans and Financing

For those considering purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options make it easy to get behind the wheel of your dream car. Picture driving off the lot with confidence knowing you secured a great rate through Emerald Coast. If you're thinking about buying a home, our mortgage loans and refinancing services can guide you through the process smoothly. We offer personalized advice to help you find the right mortgage solution that fits your budget. In addition, our personal loans and debt consolidation options are available for those looking to manage expenses better or tackle outstanding debt. Our goal is to empower you with financial solutions that work for you.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Imagine having the peace of mind that comes with knowing your money is safe and easily accessible. With our user-friendly online and mobile banking platforms, managing your finances is as simple as a few taps on your smartphone. You can check balances, transfer funds, and even pay bills without ever stepping foot in the branch.

Digital & Online Banking

Key Features

Our online banking platform provides easy account management right at your fingertips. You can check your balances, view transaction history, and transfer funds all from the comfort of your home or on the go. Plus, with electronic signatures authorized for transactions, you won't have to worry about printing or mailing documents anymore. You'll also appreciate the option for e-statements, which allow you to receive your bank statements electronically. This not only reduces paper clutter but also helps you stay organized. Imagine having all your financial information neatly stored in one place without the hassle of physical paperwork!

Mobile Banking Made Easy

With our mobile application, managing your finances has never been easier. You can set up mobile payments for quick transactions and even send money directly to friends or family through our person-to-person transfer feature. Whether you're splitting a bill or sending a gift, it's simple and fast.

Security You Can Trust

At Emerald Coast, we take your security seriously. Our online banking services are equipped with robust security measures to protect your information while providing a user-friendly experience. You can bank with confidence knowing that we prioritize your safety. In summary, our digital and online banking services at Emerald Coast combine convenience, accessibility, and security to give you full control over your finances whenever you need it. Visit us today at https://www.emeraldcoastfcu.com/ and discover how easy banking can be!

Financial Strength

Commitment to Innovation

With $5,438,722 in undivided earnings, we reinvest in innovative banking tools and stronger lending options. This commitment ensures enhanced security measures to serve you better. Furthermore, our lending capacity is substantial, with $589 in used auto loans and $43,451,239 in total loans and leases available to support your financial goals across various sectors.

Growing Member Base

Our growing community is reflected in our total share accounts: 9,652. This shows that more members trust us with their finances every day. Additionally, net shares available for lending stand at $32,497, ensuring that we have the resources needed to meet your borrowing needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Emerald Coast is your trusted partner. Visit us at 502 Woodward Ave Port St Joe Fl 32456 or call (850) 227-1156 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member Savings Security

Your savings are our priority. Members' savings are secured through $12,153,147 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members over traditional banking practices, as shown by our non-member deposits totaling $1,615,000. This focus allows us to channel resources back into benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which empowers us to continue offering competitive loan rates and solid financial products tailored for our members. We also take pride in having 19 full-time employees and 1 part-time employees ready to assist you with knowledgeable service at every turn.

Strong Financial Position

With a net worth of $5,499,022, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $823 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,557,911 in used vehicle loans and $6,624,490 in new vehicle loans already helping members get on the road. Our flexible terms make it easy for you to drive away with the vehicle you desire.

Credit Lines and Business Loans

For those seeking additional financial flexibility, we have credit lines totaling $3,500,000, allowing you to access funds as needed. Additionally, our outstanding commercial loans totaling $127,075 provide business owners with the capital necessary for growth and expansion. If you're considering refinancing any existing loans or need assistance determining eligibility for any of our products, our team is here to help guide you through the process. For more information about our loan offerings or to get started on your application today, please contact us at 850-227-1156 or visit us at 502 Woodward Ave Port St Joe Fl 32456. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $973,369, make buying or refinancing simple. We provide various options tailored to fit your needs and budget.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. That's why we offer flexible terms on unsecured credit card loans, with a total of $725,756 in loans available to assist our members in maintaining control over their spending.

Loan Aggregator

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EMERALD COAST FEDERAL CREDIT UNION - Port St Joe, FL