Guardian Credit Union Gulf Coast Mobile AL | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Gulf Coast, your trusted financial partner located at 1001 Spring Hill Ave, Mobile, AL 36604. Established in 1951, we have proudly served our community for over seven decades. With a strong commitment to our members, we currently support 5,855 individuals and families in achieving their financial goals. At Gulf Coast, we understand the importance of accessible banking solutions tailored to your needs. Our total assets stand at an impressive $46,390,829, allowing us to offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking options. We strive to ensure our members feel secure and supported, which is evident from our net worth of $3,633,135 and cash in hand totaling $1,115,779. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to 1001 Springhill Ave, Mobile, AL 36604 if it differs from our branch address. We take pride in being a part of the Mobile community and making a positive impact through personalized service and reliable financial products. Led by CEO John O'Brien and Board President Pebbles King, our dedicated team of 18 employees is here to assist you every step of the way. Whether you're looking to open a new account or explore loan options our friendly staff is ready to help. Reach out to us at (251) 438-7464 or visit our website at Gulf Coast FCU for more information about how we can serve you better. Join us today and experience the difference that comes with being a member of Gulf Coast!

Branch History & Mission

A Future Together

As we look ahead, Gulf Coast remains committed to enhancing member experiences through continuous improvement and innovative solutions. Our team is always ready to assist you with any questions or concerns you may have. For more information or assistance, feel free to reach out at 251-438-7464 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. Join us on this journey! Experience the benefits of being part of Gulf Coast today where your financial success is at the heart of everything we do. Visit us online at gulfcoastfcu.org for more details on how we can serve you better!

Community Commitment

Gulf Coast isn't just about numbers; it's about people. We actively engage with local organizations and initiatives that uplift our community. Whether it's through partnerships or outreach programs, we strive to make a positive impact in Mobile and beyond. Our mission extends beyond financial services; we aim to empower individuals and families to achieve their dreams. While members can visit us at 1001 Spring Hill Ave for all their banking needs, official correspondence should be sent to our mailing address at 1001 Springhill Ave, Mobile, AL 36604 if it differs from the branch location.

Our Journey

From humble beginnings, Gulf Coast has evolved into a vital financial institution within Mobile. Our mission is clear: to deliver exceptional banking experiences while fostering community growth and support. Over the years, we've expanded our offerings to include personal banking solutions such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking services. Our branch reflects our dedication to both innovation and accessibility. We understand the needs of our members in today's fast-paced world, which is why we provide online and mobile banking options alongside traditional services. We're proud to offer ATM access and drive-thru banking for added convenience.

Branch Location & Accessibility

Welcome to the Gulf Coast branch, located conveniently at 1001 Spring Hill Ave in Mobile, Alabama! Our friendly team is here to help you with all your banking needs in a welcoming environment. Whether you're visiting us for personal banking, auto loans, or simply to chat about your financial goals, we aim to make your experience smooth and enjoyable. While members can visit us at our main office on Spring Hill Avenue, official correspondence should be sent to the same address: 1001 Springhill Ave, Mobile, AL 36604. We are nestled near several local landmarks, making it easy for you to find us. Just a short drive from the heart of Mobile, you'll find plenty of parking available right outside our door. For those who might need extra assistance, our facility is fully ADA compliant, ensuring everyone can access our services comfortably. At Gulf Coast, we understand that your time is valuable. That's why we offer flexible operating hours to fit your schedule. Our lobby is open from 8:30 AM to 5:00 PM Monday through Thursday and until 5:30 PM on Fridays perfect for stopping by before or after work! If you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your car. We also have an ATM on-site for your convenience, so you can access cash anytime during business hours. If you have questions or need assistance with any of our services from checking and savings accounts to personal loans and credit cards don't hesitate to give us a call at 251-438-7464. We invite you to come by and see how we can support your financial journey at Gulf Coast Credit Union. We're excited to meet you and help you achieve your financial goals!

Member Eligibility

At Gulf Coast, we believe that joining our community is a step towards better financial health and support. Becoming a member is simple, and we're excited to welcome you! If you live, work, or attend school in our service area, you're likely eligible to join us. We proudly serve individuals who are part of the Mobile community, so whether you're just starting out on your financial journey or looking to enhance your current banking experience, we have something for everyone. To get started, all you need to do is visit us at our branch located at 1001 Spring Hill Ave Mobile Al 36604. Our friendly team is here to assist you with the account opening process and answer any questions you might have along the way. You can also give us a call at (251) 438-7464 if you'd like more information before visiting. For specific eligibility details, feel free to check out our website at . We can't wait to help you embark on your financial journey with us!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer robust merchant services that simplify transactions. Picture this: you're running a busy retail store, and every second counts. With our streamlined payment processing, you can serve customers faster, enhancing their experience and boosting your sales. Located at 1001 Spring Hill Ave Mobile Al 36604 in Mobile, AL, we're here to help you navigate the financial landscape of business ownership. Call us at (251) 438-7464 to discover how our business banking solutions can fuel your success!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. Imagine being able to take on that new project or hire additional staff because you have access to the right funding. Our loans help make those dreams a reality by offering competitive rates and personalized service.

Comprehensive List Of Services

Business Banking

For our members who are business owners, we also offer specialized Business Banking solutions. From merchant services that simplify transactions to business loans that fuel growth, we're dedicated to helping your business thrive.

Call to Action

With so many services tailored just for you, it's time to experience the difference at Gulf Coast. If you have questions or want to learn more about how we can assist with your financial journey, don't hesitate to reach out! Call us at (251) 438-7464 or visit us at Main Office-1001 Springhill today! Your financial well-being is our priority!

Credit Solutions

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services can help lighten that load, giving you the flexibility to manage payments better. Plus, with our Credit Cards with Rewards, you earn while you spend perfect for those who love a little extra back on their everyday purchases.

Digital and Convenience Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to handle transactions from anywhere at any time. Need cash? Our ATM and cash withdrawal services ensure you're never far from access to your funds. Plus, with basic drive-thru banking available for deposits and withdrawals, getting in and out quickly is easier than ever.

Personal Banking

Navigating personal finances can sometimes feel overwhelming, but with our Personal Banking services, it doesn't have to be. We offer checking and savings accounts that fit seamlessly into your lifestyle. Imagine effortlessly managing your money online or through our mobile app, making it easy to track your spending and save for what matters most. When it comes to purchasing a new vehicle, our Auto Loans & Vehicle Financing options ensure that you can hit the road without breaking the bank. We provide competitive rates and flexible terms tailored just for you. And if homeownership is on your horizon, our Mortgage Loans & Refinancing services make the dream of owning a home more achievable than ever.

Digital & Online Banking

Key Features for Your Convenience

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer money whenever it suits you. You'll also love the option of e-statements, which provide a simple way to keep track of your account activity without the clutter of paper. Signing documents is easy too; we offer electronic signature authorization to make your transactions smoother and faster.

Mobile Banking on the Go

With our mobile application, banking is at your fingertips. Whether you're out shopping or relaxing at home, you can use mobile payments for quick purchases and enjoy person-to-person transfers to send money to friends or family instantly. It's all about giving you control over your finances while ensuring that everything remains secure.

Security You Can Trust

We prioritize your security with advanced features that protect your information. Our user-friendly interface makes navigating through our services simple, so you can focus on what matters most your financial goals. In summary, Gulf Coast is committed to providing accessible and efficient digital banking solutions tailored for our members' needs. Experience the freedom of managing your accounts effortlessly by visiting us online today!

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our net income of $0, showcasing our dedication to sustainable practices while ensuring competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Growing Membership Base

Total Share and Deposit Accounts stand at 9,973, showing a strong and growing member base that trusts us with their finances. This growth highlights our commitment to serving you effectively while maintaining a focus on your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gulf Coast is your trusted partner. Visit us at 1001 Spring Hill Ave Mobile Al 36604 or call 251-438-7464 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

With $3,623,085 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust as we currently have $18,477,069 in total loans and leases available to support your financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $2,287,950 in share certificates and $901,131 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,985,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $3,633,135, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 783 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 $5,365,330 in used vehicle loans and $2,314,548 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our competitive rates and flexible terms can make your purchase more affordable.

Credit Lines

For those looking for additional financial flexibility, our total credit lines amount to $5,600,000. This option allows you to access funds as needed while only paying interest on what you use. At Gulf Coast, we pride ourselves on providing services tailored to our members' needs. If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our knowledgeable staff is ready to assist you. For further information or to discuss which loan product might be right for you, please contact us at 251-438-7464 or visit us at 1001 Spring Hill Ave Mobile Al 36604. 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 make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $2,008,206, catering to those who are ready to invest in their future. Our team is here to guide you through the process from start to finish.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $504,411 in loans helping members manage their finances effectively. These credit cards come without collateral requirements and can be an excellent tool for managing expenses while earning rewards.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help consumers make informed decisions without the hassle of sorting through numerous offers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to using verified data guarantees fair and transparent offers for all users. One key benefit of LendMesh is its focus on Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh operates with No Sponsored Listings; lenders are not prioritized based on paid promotions. This means users receive truly unbiased results when they search for loans. Another advantage is the Real-Time Rate Comparisons feature. Users can access up-to-date loan rates from multiple institutions at any time, making it easier to find the best options that fit their needs. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects how LendMesh has positively impacted the financial decisions of many individuals. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

GULF COAST FEDERAL CREDIT UNION