Loans
We offer a variety of popular loans at rates that are hard to beat, so call us first when you need funds.
Cars, trucks, vans and SUVs
Our vehicle loans are quick and easy, with low rates that are hard to beat.
- New and used vehicles
- Longer terms for the lowest payments
- Up to 100% financing
- No application fees
Guaranteed Asset Protection (GAP)
This affordable coverage helps pay off your loan if your car is totaled or stolen and the loan balance is higher than your insurance covers.
Recreational vehicles
We finance whatever moves you — from boats, RVs, side-by-sides, motorcycles to ATVs and more. Get preapproved before you shop so you can negotiate the best deal on your vehicle.
Real Estate Loans
Feel at home with Gulf Coast FCU when it comes to home loans.
Mortgages
Whether it’s your first time or your tenth time buying a home, our experienced staff guides you every step of the way, so you get the best rate and lowest fees. We offer a variety of options. And since we’re local, we can be nimble on loan approvals. Get preapproved now to be ready when you find your perfect home.
Refinance with Express Mortgage
Borrow up to $250,000 for up to 20 years at a fixed rate for a flat fee as low as $1,699 — half of what most banks charge, and NO other fees!
- NO appraisal fees
- NO underwriting fees
- NO application fees
- NO processing fees
- NO origination fees
- NO credit report fees
Fixed Annual Percentage Rate based on 10-year US Treasury Bill plus a margin at the time of funding.
Home Equity Line of Credit
Use your equity for home improvements, bill consolidation, or as an emergency source of cash, ready if you need it. Pay interest only on the portion you actually use. The money you repay is there if you need it again.
- Competitive rates and low fees
- Convenient advances by Online Banking, check, phone or in person
- Interest may be tax deductible — ask your tax advisor
Fixed Rate Second Mortgages
Don’t need the flexibility of a line of credit or prefer a fixed rate on your home equity loan? A fixed-rate second mortgage is a great option to consider. We offer terms up to fifteen years at low, fixed-rates. With low closing costs and fast turnaround time, we make the process easy!
NMLS #440571
Personal loans
Credit Cards
Our Visa is the only credit card you need, with a reliable fixed rate for purchases, cash advances and balance transfers — without gimmicks.
- Visa Platinum as low as 8.9% APR Fixed
- Visa Classic as low as 10.9% APR Fixed
- Share-secured Visa, perfect for establishing or repairing credit
- No annual, cash advance or balance transfer fees
- 24-hour online access and alerts with eZCard
Lines of Credit
Have instant and easy access to funds whenever you need it. Pay interest only on the funds you use.
Signature Loans
A closed-end loan is ideal for debt consolidation or when you need funds for a specific purpose and want a specific pay-off date.
Secured Loans
Use your funds on deposit here to secure our lowest loan rates.
