Gulf Winds Credit Union Milton FL | Affordable Vehicle Loans & Checking

Introduction

Welcome to Gulf Winds, your trusted financial partner in the heart of Milton, FL. Located at 5850 Highway 90, we have been serving our community since 1954, providing personalized banking solutions that make a real difference in the lives of our 83,916 members. With total assets exceeding $1.2 billion, we are dedicated to offering competitive rates and a wide range of services tailored to meet your needs. At Gulf Winds, we understand that every member's financial journey is unique. Whether you're looking for an auto loan, mortgage financing, or everyday banking services, our team is here to support you. We currently manage over $97 million in deposits and have approved more than 45,859 loans and leases, demonstrating our commitment to helping you achieve your financial goals. Led by our CEO, Daniel Souers, and Board President, Bill Fritchman, our experienced team of 239 employees is dedicated to creating a welcoming environment where members can feel confident about their finances. While members can visit us at 5850 Highway 90, official correspondence should be sent to the same address. With a strong net worth of over $115 million and cash reserves of around $10.6 million, Gulf Winds stands as a reliable pillar in the community. We believe in investing back into the community and are always looking for ways to enhance our services. If you want to learn more about how we can assist you on your financial journey, don't hesitate to reach out! Call us at 850-479-9601 or visit our website at gogulfwinds.com today. Join us and experience the benefits of being part of a cooperative that truly values its members!

Branch History & Mission

At Gulf Winds, our journey began in 1954 with a simple yet powerful vision: to provide accessible financial services that empower our community. Located at 5850 Highway 90 in the heart of Milton, Florida, we have proudly served our members for decades. As we grew from a small credit union to one that now boasts over 83,000 members and assets totaling more than $1.2 billion, our commitment to community and service has remained unwavering. Over the years, we've reached significant milestones that reflect our dedication to enhancing the financial well-being of those we serve. From expanding our range of services such as personal banking, auto loans, mortgages, and business banking to embracing digital innovations like online banking and mobile payments, Gulf Winds has continuously adapted to meet the changing needs of our members. Our mission is clear: to foster financial growth and stability while enriching the lives of those in Milton and beyond. We strive to create a welcoming environment where everyone feels valued and supported. This mission drives us to engage in local partnerships and outreach efforts that extend our impact beyond traditional banking. While members can visit us at our branch address, official correspondence should be sent to 5850 Highway 90, Milton, FL 32583. We're here for you Monday through Friday from 9 AM to 5 PM, with Saturday hours available through our drive-thru service from 9 AM to 12 PM. At Gulf Winds, we pride ourselves on being more than just a financial institution. We are your neighbors and partners in progress. Our dedication to accessibility is evident through features like ADA compliance and ATM availability at our branch. Whether you need assistance with deposits or wish to explore loan options, our friendly staff is always ready to help. We invite you to join Gulf Winds today! Experience firsthand the benefits of membership and let us support your journey towards financial success. Visit us online or call us at 850-479-9601 for more information on how you can become a part of our thriving community. Together, let's build a brighter future!

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Feel free to give us a call at 850-479-9601. Our dedicated team looks forward to helping you achieve your financial goals! Visit us today and discover how Gulf Winds can support your journey.

Operating Hours

We understand that your time is valuable. That's why our lobby is open Monday through Friday from 9 AM to 5 PM, with special Saturday hours from 9 AM to 12 PM for drive-thru service only. This flexibility means you can find a time that works best for you.

Parking and Accessibility

Our branch offers ample parking right outside the entrance, making it easy for you to stop by. We are committed to accessibility for all our members, featuring ADA-compliant facilities and ramps for easy entry. Whether you're visiting us in person or using our services via the drive-thru, we strive to ensure a welcoming environment.

Services Offered

At Gulf Winds, we provide a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, our friendly staff is ready to assist you with any financial inquiries. Plus, enjoy convenient ATM access and basic drive-thru banking for quick transactions. While members can visit us at 5850 Highway 90, official correspondence should be sent to the same address: 5850 Highway 90, Milton, FL 32583.

Member Eligibility

Joining the Gulf Winds community is like stepping into a family that truly cares about your financial well-being. At our branch located at 5850 Highway 90 in Milton, Florida, we welcome individuals who share our values and goals. If you live, work, worship, or attend school in Santa Rosa County, you're likely eligible to become a member! We believe in making banking accessible and supportive for everyone, so if you have any questions about your eligibility, feel free to reach out to us at 850-479-9601. For more detailed information on eligibility criteria, visit our website at https://www.gogulfwinds.com/membership/join/. Opening an account with us is straightforward and designed to be a positive experience. Once you confirm your eligibility, you can begin the easy process of becoming a member by visiting https://online.gogulfwinds.com/gwfcuonline/sdk/autoenrollmente2e. We're excited to help you take this important step towards securing your financial future with Gulf Winds!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that make daily operations smoother. Imagine having a payment solution that allows you to accept various forms of payments easily whether it's credit cards or mobile transactions. This flexibility can help you serve your customers better and keep your cash flow steady. If you're located around 5850 Highway 90 Milton Fl 32583, don't hesitate to reach out at (850) 479-9601. Let's work together to help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $15,068, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer tailored business banking services, including merchant services and business loans. These tools help you manage your operations effectively while supporting growth initiatives.

Convenient Access

Accessing your accounts has never been easier with our ATM and cash withdrawal services available at multiple locations. You can also take advantage of our basic drive-thru banking services for quick deposits and withdrawals without leaving your car. We know that convenience is key in today's busy world; that's why we've integrated features like person-to-person payments and electronic signatures into our offerings. Whether you're using our mobile application or online banking platform, managing your finances is simple and secure. At Gulf Winds, we pride ourselves on being more than just a bank we're a community partner invested in your financial well-being. If you're ready to explore how we can support you, give us a call at (850) 479-9601 or visit us today! Your financial journey starts here with us at Milton Branch!

Home Financing Solutions

If you're considering buying a home or refinancing an existing mortgage, our mortgage loans are crafted with competitive rates and flexible terms. Our team is here to guide you through the process, ensuring you find the best solution for your situation.

Personal Banking

For everyday banking needs, our personal banking services include checking and savings accounts that cater to various preferences. Imagine easily managing your finances with user-friendly online and mobile banking platforms. You can check balances, transfer funds, and pay bills right from your phone! Additionally, we offer auto loans and vehicle financing options that make it simpler to get behind the wheel of your dream car.

Personal Loans & Credit Cards

Need some extra cash for unexpected expenses? Our personal loans and debt consolidation options provide a straightforward way to manage your finances. Plus, don't forget about our credit cards with rewards! They are perfect for those who want to earn points on everyday purchases while enjoying low-interest rates.

Digital & Online Banking

Key Services

Our online banking platform provides an array of user-friendly features that make handling your money simple. You can check balances, transfer funds, and pay bills with just a few clicks. Plus, if you prefer going paperless, our e-statements are readily available to keep your financial documents organized and accessible. Need to send money quickly? Our person-to-person transfer feature lets you send funds to friends or family without the hassle of cash or checks. And for those who love shopping with their mobile devices, our mobile payments feature allows you to make purchases directly from your smartphone.

Security and Convenience

Security is a top priority for us. We offer electronic signature authorization, ensuring that your transactions are safe and secure. You can rest easy knowing that your personal information is protected while enjoying the convenience of digital banking. Additionally, our mobile application makes it easy to bank on the go. From checking balances to making payments, everything is just a tap away. With Gulf Winds, you have real-time access to your accounts, giving you control over your finances whenever you need it. Experience the ease of modern banking with Gulf Winds today!

Financial Strength

At Gulf Winds, 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 are proud to share the solid financial foundation that allows us to serve you better every day. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $115,946,901, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 963 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 $347,105,972 in share certificates and $77,957,093 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $112,975,206 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 members' financial goals across various sectors with $17,489 in used auto loans and a total of $836,407,566 in loans and leases. Our $825,583 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 236 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 159,669, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gulf Winds is your trusted partner. Visit us at 5850 Highway 90 Milton Fl 32583 or call 850-479-9601 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Lending Solutions

For business owners seeking financial support, our outstanding commercial loans totaling $15,068 provide the capital needed to grow and expand your business ventures. If you're considering refinancing any existing loans or want to explore eligibility options for our products, please don't hesitate to contact us. Our team can assist you in navigating these opportunities. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Gulf Winds, we prioritize transparency and accessibility in all our financial services. Come visit us today and let's work together towards achieving your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $344,637,989 in used vehicle loans and $96,266,648 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, we can guide you through the process and offer competitive terms.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $40,895,221, making it easier for you to invest in your future. Our dedicated team is here to help you understand your options and find the best fit for your financial situation.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $30,813,688 in loans helping members manage their finances effectively. These cards are perfect for those looking to build or rebuild their credit while enjoying the benefits of rewards programs.

Loan Aggregator

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Gulf Winds