Gulf Coast Federal Credit Union

Gulf Coast Federal Credit Union (GCFCU) is a member-owned not-for-profit financial cooperative that has been serving the Mobile County community since 1951. Founded by a group of Mobile City and County employees, our mission has always been to offer affordable financial services to our members, putting their needs before profits. Over the years, we have grown to serve nearly 7,000 members with a focus on value, service, and responsiveness.

Our dedicated board of directors, who are elected by our members, works tirelessly to ensure that we continue to meet the diverse needs of our members. As a cooperative, GCFCU is committed to giving back to our communities and contributing to the local economy's vitality. We offer competitive rates, lower fees, and personalized service, creating a friendly and welcoming environment for all our members.

Who Can Join Gulf Coast Federal Credit Union

If you live, work, worship, or attend school in Mobile County, you're eligible to join Gulf Coast Federal Credit Union. Membership is a lifetime privilege that allows you and your family to access our services and benefits, no matter where you are located. Whether you need a checking or savings account, a home or auto loan, or financial advice, our team is here to help.

Why Join Gulf Coast Federal Credit Union

Joining Gulf Coast Federal Credit Union is more than just opening a new account. It means becoming part of a community of like-minded individuals who value great service, local engagement, and financial growth. Our founding members built a unique institution that puts your needs first, and we're proud to uphold their legacy. As a member-owned cooperative, we invest our profits back into providing better services and rates for our members, rather than maximizing profits for shareholders.

Our Services

• Banking: GCFCU offers a full suite of banking services, including checking and savings accounts, mobile and online banking, and debit and credit cards. Our accounts come with lower fees, higher interest rates, and personalized service that you won't find at big commercial banks.
• Loans: We provide a variety of loans that cater to our members' unique needs. Our competitive auto loan rates start as low as 5.65% APR, while boat, RV, and camper loans begin at just 7.24% APR. Our home loan options include home equity lines of credit (HELOCs) and mortgages, giving members access to flexible credit and affordable financing.
• Deposits: Members can choose from multiple deposit options, including high-yield savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs), offering safer alternatives for long-term financial planning.
• Services: To make your financial life easier, we provide additional services like financial calculators, fiscal fitness information, and fraud prevention resources.

Our Commitment to Community

GCFCU believes in giving back to the Mobile County community that has supported us for decades. We continue to engage in local events and initiatives, promoting financial literacy and supporting causes that align with our values. Our active involvement in the annual Mobile County Commission Annual Health Fair and financial abuse awareness efforts show our dedication to the well-being of our communities.

Join Gulf Coast Federal Credit Union today and experience the difference that a member-focused, community-driven financial institution can make. Together, we can grow your assets and strengthen the local economy.