Gulf Winds Credit Union

Pensacola, Florida
Last verified: August 3, 2026
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Verified rate book

Current Gulf Winds Credit Union rates

57 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

5 offers
Gulf Winds Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
3/1 ARM3 1 arm6.441% APR6.280%—Standard
5/1 ARM5 1 arm6.552% APR6.390%—Standard
7/1 ARM7 1 arm6.653% APR6.490%—Standard
10/1 ARM10 1 arm6.744% APR6.580%—Standard
Land and Lot Loanother5.994% APR5.780%—Standard

Auto & vehicle rates

10 offers
Gulf Winds Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
New, Used & Refinanced Auto Loanauto_any_36mo4.740% APR4.740%36 mo · anyStandard
New, Used & Refinanced Auto Loanauto_any_66mo5.340% APR5.340%66 mo · anyStandard
66-Month Auto Loanauto_any_66mo5.340% APR5.340%66 moStandard
75-Month Auto Loanauto_any_75mo5.840% APR5.840%75 moStandard
New, Used & Refinanced Auto Loanauto_any_75mo5.840% APR5.840%75 mo · anyStandard
New, Used & Refinanced Auto Loanauto_any_84mo6.090% APR6.090%84 mo · anyStandard
84-Month Auto Loanauto_any_84mo6.090% APR6.090%84 moStandard
36-Month Boat Loanboat_any_36mo6.490% APR6.490%36 moStandard
36-Month RV Loanrv_any_36mo6.490% APR6.490%36 moStandard
96-Month RV Loanrv_any_96mo7.490% APR7.490%96 moStandard

HELOC rates

3 offers
Gulf Winds Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (HELOC)heloc_variable3.990% APR3.990%—Standard
Home Equity Loan (HELOAN)heloc_fixed6.000% APR6.000%—Standard
Home Equity Loan (Fixed)heloc_fixed6.280% APR6.280%—Standard

Personal loan rates

1 offer
Gulf Winds Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Anything+ Personal Loanpersonal_unsecured_60mo10.400% APR10.400%60 moStandard

Credit card rates

3 offers
Gulf Winds Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Secured Credit Cardcredit_card_secured9.000% APR9.000%—Standard
Platinum Credit Cardcredit_card_platinum9.990% APR9.990%—Standard
VISA Platinum Rewardscredit_card_rewards12.990% APR12.990%—Standard

Savings & CD rates

35 offers
Gulf Winds Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Secondary Share Savingsshare_savings0.05% APY0.05%—Standard
Money Marketmoney_market0.30% APY0.30%—Standard
Money Marketmoney_market0.40% APY0.40%—Standard
Money Marketmoney_market1.00% APY1.00%—Standard
Money Marketmoney_market1.30% APY1.29%—Standard
6-Month IRA Certificateira_cd_6mo1.40% APY1.39%6 moStandard
6-Month IRAira1.40% APY1.39%6 moStandard
6-Month Certificateshare_certificate_6mo1.40% APY1.39%6 moStandard
6-Month Certificatecd_6mo1.40% APY1.39%6 moStandard
Money Marketmoney_market1.55% APY1.54%—Standard
12-Month Certificatecd_12mo2.00% APY1.98%12 moStandard
12-Month IRA Certificateira_cd_12mo2.00% APY1.98%12 moStandard
12-Month IRAira2.00% APY1.98%12 moStandard
Money Marketmoney_market2.00% APY1.98%—Standard
12-Month Certificateshare_certificate_12mo2.00% APY1.98%12 moStandard
18-Month IRAira3.40% APY3.35%18 moStandard
18-Month IRA Certificateira_cd_18mo3.40% APY3.35%18 moStandard
18-Month Certificatecd_18mo3.40% APY3.35%18 moStandard
18-Month Certificateshare_certificate_18mo3.40% APY3.35%18 moStandard
24-Month IRA Certificateira_cd_24mo3.50% APY3.44%24 moStandard
24-Month Certificatecd_24mo3.50% APY3.44%24 moStandard
24-Month IRAira3.50% APY3.44%24 moStandard
24-Month Certificateshare_certificate_24mo3.50% APY3.44%24 moStandard
36-Month Certificatecd_36mo3.60% APY3.54%36 moStandard
36-Month Certificateshare_certificate_36mo3.60% APY3.54%36 moStandard
36-Month IRAira3.60% APY3.54%36 moStandard
36-Month IRA Certificateira_cd_36mo3.60% APY3.54%36 moStandard
48-Month IRAira3.65% APY3.59%48 moStandard
48-Month Certificatecd_48mo3.65% APY3.59%48 moStandard
48-Month Certificateshare_certificate_48mo3.65% APY3.59%48 moStandard
48-Month IRA Certificateira_cd_48mo3.65% APY3.59%48 moStandard
60-Month IRA Certificateira_cd_60mo3.70% APY3.64%60 moStandard
60-Month Certificatecd_60mo3.70% APY3.64%60 moStandard
60-Month IRAira3.70% APY3.64%60 moStandard
60-Month Certificateshare_certificate_60mo3.70% APY3.64%60 moStandard

As of August 3, 2026, Gulf Winds Credit Union offers a 3 1 arm mortgage at 6.441% APR. Vehicle loans available from 4.74% APR for 36 months. HELOC rates from 3.99% APR. Personal loan rates from 10.4% APR. Credit card rates from 9% APR. Savings and certificate yields up to 3.70% APY.

Source: RateAPI.dev, verified from Gulf Winds Credit Union's official website

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About Gulf Winds Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
74.2K
Assets
$1.3B
Founded
1954
Locations reported
13
NCUA charter
68694
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

HarvestersNine Mile Road Branch · Pensacola · FL · 32534-1666Branch in the same ZIPMY PensacolaCantonment Office · Pensacola · FL · 32534-1253Branch in the same ZIPLoyaltyHome Office · Pensacola · FL · 32514-1653About 3.8 miles awayMembers First Credit Union of FloriNine Mile Road Branch · Pensacola · FL · 32514-5727About 3.8 miles awayNavy Federal Credit UnionNine Mile RD Pensacola FL · Pensacola · FL · 32514About 3.8 miles awayChampions FirstNine Mile · Cantonment · FL · 32533About 6.2 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Gulf Winds Credit Union

Membership eligibility from Gulf Winds Credit Union's own published criteria. How we verify this.

Community charter: live/work in FL, AL, GA

  • LocationFL, AL, GA

Cost to join: About $5.

Verified from Gulf Winds Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Gulf Winds Credit Union?

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Frequently Asked Questions

What rates does Gulf Winds Credit Union offer?

Gulf Winds Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Gulf Winds Credit Union rates updated?

RateAPI verifies Gulf Winds Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Gulf Winds Credit Union's rate data?

Rate data is collected directly from Gulf Winds Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Gulf Winds Credit Union's mortgage rate?

As of August 3, 2026, Gulf Winds Credit Union offers a 3 1 arm mortgage at 6.441% APR.

What are Gulf Winds Credit Union's auto, rv & boat loan rates?

As of August 3, 2026, Gulf Winds Credit Union offers vehicle loans from 4.74% APR.

What is Gulf Winds Credit Union's HELOC rate?

As of August 3, 2026, Gulf Winds Credit Union offers home equity lines of credit from 3.99% APR.

What is Gulf Winds Credit Union's personal loan rate?

As of August 3, 2026, Gulf Winds Credit Union offers personal loans from 10.4% APR.

What is Gulf Winds Credit Union's best CD rate?

As of August 3, 2026, Gulf Winds Credit Union offers savings and certificate (CD) yields up to 3.70% APY.

Related Rate Data

Compare Gulf Winds Credit Union's rates against national credit-union benchmarks.

More Florida credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Gulf Winds Credit Union
curl "https://api.rateapi.dev/credit-unions/florida/gulf-winds" \
  -H "Authorization: Bearer YOUR_API_KEY"
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