Gulf Coast Community Credit Union Bay St Louis MS | Affordable Vehicle Loans & Easy ATM Access

Introduction

At Gulf Coast Community, we believe that strong communities are built on trust and support. Since our establishment in 1935, we have been dedicated to providing exceptional financial services to our members in Bay St Louis, MS. Located at 295 Highway 90 Ste 27, our branch is more than just a place for banking; it's a community hub where relationships flourish and financial goals become attainable. With a total membership of 11,974 and assets exceeding $128,950,176, we take pride in our commitment to serve you better every day. Our team of 59 employees is led by our CEO, Lisa Graham, and Board President, Elmer Dickens, who are both passionate about enhancing the member experience through personalized service and innovative solutions. While members can visit us at our Bay St Louis branch, official correspondence should be sent to our mailing address at 12364 Highway 49, Gulfport, MS 39503. We invite you to explore a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. With total deposits amounting to $13,634,603 and cash readily available at $1,958,235, we ensure your funds are secure while helping you achieve your financial aspirations. Join us on this journey towards financial empowerment! Whether you're looking for assistance with loans where we currently manage over 4,411 loans or want to learn more about how we can help your business thrive with tailored services, we're here for you. For any inquiries or assistance, feel free to call us at (228) 466-9975 or visit our website at gulfcoastcommunityfcu.com. We look forward to welcoming you into the Gulf Coast Community family!

Branch History & Mission

At Gulf Coast Community, we take pride in our rich history and deep-rooted commitment to serving the Bay St Louis community. Since our opening in 1935, we have grown alongside our members, adapting to their needs while staying true to our core mission: to provide accessible financial services that empower individuals and strengthen our community. Located at 295 Highway 90 Ste 27, Bay St Louis, MS 39520, our branch stands as a testament to resilience and dedication. Over the years, we have evolved from a small credit union into a thriving institution with over 11,974 members and total assets reaching $128,950,176. This growth reflects not just our financial success but also the trust and loyalty of those we serve. Our mission is simple yet impactful: to provide personal banking solutions that foster financial well-being for all members. We offer a range of services tailored to meet diverse needs, including checking and savings accounts, auto loans, mortgage loans, and business banking options. Our commitment extends beyond financial transactions; we strive to enhance the quality of life for our members through active community involvement and outreach efforts. While members can visit us at 295 Highway 90 Ste 27, official correspondence should be sent to 12364 Highway 49, Gulfport, MS 39503. We understand the importance of convenience; that's why we offer ATM availability and various online banking options like mobile payments and e-statements. Although we currently do not have drive-thru service or shared service centers, our dedicated staff is always ready to assist you during our operating hours: Monday through Thursday from 9:00 am to 5:00 pm and Friday from 9:00 am to 5:30 pm. As we look toward the future, Gulf Coast Community remains committed to advancing accessibility in banking. We embrace technology while ensuring compliance with ADA standards so that everyone can benefit from our services. Our partnerships with local organizations enhance our outreach programs, allowing us to give back meaningfully. Join us on this journey as we continue to build a brighter future together. Experience the benefits of being part of Gulf Coast Community where your financial needs are met with care and integrity. Reach out today at (228) 466-9975 or visit us online at gulfcoastcommunityfcu.com. Together, let's make your financial goals a reality!

Branch Location & Accessibility

Accessibility Features

At Gulf Coast Community, we believe everyone should have access to our services. Our branch is fully ADA compliant with ramps for easy entry and friendly staff ready to assist you. We strive to create a welcoming environment for all members of our community.

Come Visit Us!

We invite you to come by and experience the difference at Gulf Coast Community. Whether you have questions about your account or are looking to open a new one, our friendly team is eager to help. Remember, while members can visit us at 295 Highway 90 Ste 27 Bay St Louis Ms 39520, official correspondence should be sent to 12364 Highway 49, Gulfport, MS 39503. We look forward to seeing you soon!

Finding Us

Situated near popular local spots, our branch is just a short drive from the scenic beaches and the vibrant downtown area. If you're coming from the north, simply follow Highway 90 south, and you'll find us on your right. Ample parking is available right in front of the branch, ensuring that you can get in and out quickly.

Operating Hours

We're open Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM, so you have plenty of time during the week to drop by. If you need assistance outside of these hours, feel free to give us a call at 228-466-9975.

Services Offered

At our Bay St Louis branch, we offer a wide range of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. Plus, with our ATM available on-site, you can conveniently withdraw cash or check your balance anytime!

Member Eligibility

Joining the Gulf Coast Community feels like becoming part of a warm, welcoming family. To become a member, you simply need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in Hancock County, you're already on your way! We also invite immediate family members of existing members to join our community. This means that not only can you benefit from our services, but your loved ones can too! At Gulf Coast Community, we pride ourselves on providing personalized banking solutions that truly cater to your needs, whether it's for checking accounts, loans, or financial advice. To get started with membership and open an account, just visit us at 295 Highway 90 Ste 27, Bay St Louis, MS 39520 or give us a call at (228) 466-9975. For more details about eligibility and to ensure you have the most current information, check out our website at https://www.gulfcoastcommunityfcu.com/about-us/become-a-member.html. Once you're ready to take the next step in joining our community, the process is quick and easy! You can find everything you need to know about opening an account at https://www.gulfcoastfcuib.com/dbank/live/app/register. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Real-World Merchant Services

Imagine having a reliable partner that helps you accept payments quickly and efficiently. Our merchant services streamline transactions, making it easy for customers to pay while ensuring you have access to your funds without delay. This practical support means you can focus on what matters most running your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Let us be the partner that helps take your business to the next level! Visit us at 295 Highway 90 Ste 27 Bay St Louis Ms 39520 or call us at (228) 466-9975 to learn more about how we can assist you today.

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. For those outside our membership, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a hurry? Our ATM services are readily available to ensure you can access funds whenever you need them. With basic ATM access for withdrawals and balance checks, managing your money has never been easier. At Gulf Coast Community, we prioritize accessibility and member satisfaction. If you're interested in learning more about any of these services or want assistance with opening an account, don't hesitate to reach out! Give us a call at 228-466-9975, or visit us online at Gulf Coast Community. We're here to help you achieve your financial goals!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing services make it easy for you to drive off in your dream vehicle. We offer competitive rates and flexible terms to ensure you can find a loan that fits your budget.

Business Banking

For small business owners, we offer tailored solutions through our Business Banking services. This includes Merchant Services and various types of Business Loans designed to support your company's growth and success.

Credit Cards with Rewards

If you're looking to maximize your spending power, consider our Credit Cards with Rewards. Not only do they offer convenience for everyday purchases, but they also reward you for using them making every dollar count.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing options. Whether you're buying your first home or looking to refinance your current mortgage for better rates, we provide personalized support every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills all from the comfort of your home or while on the go.

Personal Banking

For those looking to manage everyday expenses or save for future goals, our Personal Banking options include both checking and savings accounts. Whether you're budgeting for a family vacation or planning for retirement, we have the right account for you.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans can help cover those costs or assist with Debt Consolidation, allowing you to combine multiple debts into one manageable payment, making it easier for you to stay on track.

Digital & Online Banking

Key Services

With our online banking platform, you can access your accounts 24/7. This means you can check balances, pay bills, and transfer funds whenever it suits you. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with ease. Plus, with our mobile application available for download, you can manage your finances right from your smartphone.

Mobile Payments Made Easy

In today's fast-paced world, mobile payments are a must. With our mobile payments feature, making purchases with your phone is simple and quick. Whether you're shopping at a store or dining out, just tap your phone and you're done! At Gulf Coast Community, we believe in providing services that make banking as easy as possible for you. Explore all these features and more by visiting our website today! Your financial management experience should be smooth and straightforward let us help make that happen!

Security and Convenience

We take your security seriously. Our electronic signature authorization feature allows you to complete transactions safely and securely online. You can also opt for e-statements, which not only reduce paper clutter but also give you instant access to your account statements whenever you need them.

Financial Strength

At Gulf Coast Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is built on transparency and performance, which is why we are proud to share insights into our financial strength. With a net worth of $22,272,409, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 17.22% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $23,224,359 in share certificates and $5,037,713 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $21,752,764 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $11,703,610 in total loans and leases and $19,203,754 allocated specifically for used auto loans. Our operational efficiency is reflected in our net income of $131,681, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 58 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $269,298. Total Share Accounts: 25,013, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gulf Coast Community is your trusted partner. Visit us at 295 Highway 90 Ste 27 Bay St Louis MS 39520 or call 228-466-9975 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $19,203,754 in used vehicle loans and $1,850,629 in new vehicle loans already helping members get on the road. We provide financing options that make it easy to drive away in a vehicle you love. Plus, if you're considering refinancing your current auto loan, we have options available to lower your monthly payments.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,852,409, make buying or refinancing simple. We're here to guide you through the process with personalized service and support every step of the way.

Personal Financing

In addition to auto and mortgage loans, we also offer unsecured credit card loans with a total of $0 currently available. This allows you flexibility in managing everyday expenses or unexpected costs without having to rely on high-interest alternatives. If you're interested in learning more about our loan offerings or checking your eligibility, don't hesitate to reach out! You can contact us at 228-466-9975 or visit us at our branch located at 295 Highway 90 Ste 27 Bay St Louis MS 39520. For more information on how we can assist you with financing needs or if you're looking for specifics on refinancing options, feel free to stop by during our operating hours: Monday - Thursday from 9:00 am CST - 5:00 pm CST and Friday from 9:00 am CST - 5:30 pm CST. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey!

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