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Gulf Winds Credit Union Share
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Overview Share
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Gulf Winds Credit Union is a federally insured state credit union based in Pensacola, Florida. It has been opened since 1954, for 68 years.

With around $659,790,000 in assets, Gulf Winds Credit Union is considered to be a very large credit union. It has 12 branches and 11 ATM locations.

About Share
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Address 220 E. Nine Mile Road
Pensacola, Florida 32534
Website http://www.gogulfwinds.com
Phone (850) 479-9601
Fax (850) 479-5830
CEO Christopher J. Rutledge
President of the Board Roland Oswald Sr
Services Offered
Score Card Share
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68 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
61,706 members
Membership type: State chartered natural person credit union
Above average number of members
301:1
Credit union member to staff ratio
301 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$659,792,118
Total assets
Above average
12 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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12 branches
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
Gulf Winds Credit Union Branch Locations

Gulf Winds Credit Union: Corporate Branch
220 E. Nine Mile Road
Pensacola, Florida 32534
ATM Available
Gulf Winds Credit Union: Creighton Branch
1444 Creighton Road
Pensacola, Florida 32504
ATM Available
Gulf Winds Credit Union: Administration Building
220 E. Nine Mile Road
Pensacola, Florida 32534
No ATM
Gulf Winds Credit Union: Brewton Branch
2580 Douglas Avenue
Brewton, Alabama 36426
ATM Available
Gulf Winds Credit Union: Milton Branch
5850 Highway 90
Milton, Florida 32583
ATM Available
Gulf Winds Credit Union: Gulf Breeze Branch
1300 Shoreline Drive
Gulf Breeze, Florida 32561
ATM Available
Gulf Winds Credit Union: Blue Angel Branch
5996 North Blue Angel Parkway
Pensacola, Florida 32526
ATM Available
Gulf Winds Credit Union: Atmore Branch
201 S. Main Street
Atmore, Alabama 36502
ATM Available
Gulf Winds Credit Union: Kerry Forest
2906 Kerry Forest Parkway
Tallahassee, Florida 32309
ATM Available
Gulf Winds Credit Union: Mahan
1447 Mahan Drive
Tallahassee, Florida 32308
ATM Available
Gulf Winds Credit Union: Crawfordville
11 Preston Circle
Crawfordville, Florida 32327
ATM Available
Gulf Winds Credit Union: Garden Street Branch
400 W. Garden Street
Pensacola, Florida 32502
ATM Available
Members Share
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61,706 members
Membership type: State chartered natural person credit union
Above average number of members

With 61,706 members, the Gulf Winds Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 93% of credit unions.

Fees Share
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$83
Average fee per member
The average fee per member at the Gulf Winds Credit Union is $83, which is high compared to most credit unions. This rate is higher than 76% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Gulf Winds Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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301:1
Credit union member to staff ratio
301 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
205 staff members
FTE (full-time equivalent)
8% of employees are part-time
197 full-time, 16 part-time

Gulf Winds Credit Union has 197 full-time staff members and 16 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 92% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Gulf Winds Credit Union has around 301 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$659,792,118
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$13,716
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 74% of credit unions.

Gulf Winds Credit Union holds a total of $434,780,000 in loans and leases, which is about $13,716 per member on average.

Savings interest rate Share
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Gulf Winds Credit Union pays 0.25%.

Loan rates Share
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.90%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
9.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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1.99%
New car loan rate
Compared to 4.0% nationally
1.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.88%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Similar Credit Unions to Gulf Winds Credit Union

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Gulf Winds Credit Union: Gulf Breeze Branch
Credit Union Branch: 1300 Shoreline Drive
Gulf Breeze, Florida 32561 ATM Available
Gulf Winds Credit Union: Kerry Forest
Credit Union Branch: 2906 Kerry Forest Parkway
Tallahassee, Florida 32309 ATM Available
Gulf Winds Credit Union: Corporate Branch
Credit Union Branch: 220 E. Nine Mile Road
Pensacola, Florida 32534 ATM Available
Gulf Winds Credit Union: Crawfordville
Credit Union Branch: 11 Preston Circle
Crawfordville, Florida 32327 ATM Available
Gulf Winds Credit Union: Mahan
Credit Union Branch: 1447 Mahan Drive
Tallahassee, Florida 32308 ATM Available
Gulf Winds Credit Union: Brewton Branch
Credit Union Branch: 2580 Douglas Avenue
Brewton, Alabama 36426 ATM Available
Gulf Winds Credit Union: Atmore Branch
Credit Union Branch: 201 S. Main Street
Atmore, Alabama 36502 ATM Available
Gulf Winds Credit Union: Administration Building
Credit Union Branch: 220 E. Nine Mile Road
Pensacola, Florida 32534 No ATM
Gulf Winds Credit Union: Milton Branch
Credit Union Branch: 5850 Highway 90
Milton, Florida 32583 ATM Available
Gulf Winds Credit Union: Creighton Branch
Credit Union Branch: 1444 Creighton Road
Pensacola, Florida 32504 ATM Available