Gulf States Credit Union was established in 1960. It is a financial services cooperative, owned and operated by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in various savings accounts, and that money, in turn, is lent out to members.
After operating expenses and reserve requirements are met, income is returned to all members in the form of dividends and comprehensive financial services. Gulf States Credit Union is governed by a Board of Directors that establishes and reviews policy. The Directors are Credit Union members who are elected by the membership and serve without pay.
After operating expenses and reserve requirements are met, income is returned to all members in the form of dividends and comprehensive financial services. Gulf States Credit Union is governed by a Board of Directors that establishes and reviews policy. The Directors are Credit Union members who are elected by the membership and serve without pay.
Services
Take out an unsecured loan for any worthwhile purpose - vacation, furniture, major purchases or debt consolidation. We may finance up to 80% of the appraised value or sales price, whichever is less. The vacant land must be in a platted subdivision. These loans must be made with the intension of the borrower building their primary residence within five years.
Are you looking to buy a home or refinance your existing mortgage? Here you can use our online tools to learn more about home loans and find the best loan options to suit your needs and goals. You can explore our site without any obligation or disclosure of personal information, or if you want, you can even begin the application process online!
A fixed-rate loan that is ideal for when you want to borrow for a specific purpose. Use it to remodel, add a new roof, take a vacation, consolidate bills, send the kids to college, pay for a wedding or anything you want. We can finance up to 80% of the market value (appraised value), less your first mortgage balance.
Your credit report contains facts about where you work, live, how you pay your bills, and other credit-related information. You want to be sure your report is complete and accurate because businesses use it to evaluate your applications for credit, insurance, employment and other purpose. The law requires each bureau to provide you with a free copy of your credit report once every 12 months if you request it.
Credit Union members are entitled to certain privileges not offered by other financial institutions. At Gulf States Credit Union you will receive the friendly service of a small town institution with the financial strength and services of a large financial institution. We believe in the philosophy of people helping people and offer our members higher interest on dividends and lower interest rates for borrowing money.
Reviews (14)
Jason M.
Jul 13, 2021
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Casandra Hill
Feb 14, 2021
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Ella Hicks
Dec 05, 2020
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This bank has discriminatory practices that is often missed by others. There is a lack of diversity at this establishment. Over the last couple of years all of the decent and hard working bank employees have disappeared. I would not recommend any person of color to bank here. I was also asked if I was employed during my inquiry about a potential credit card.
Julie McCartney
Oct 15, 2020
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Bitey Dog
Oct 03, 2020
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They refused service because I wasn't wearing a mask, yet both of the cashier's talking to each other that were 1-2 feet apart had both of their masks pulled down so their chins were covered, not over mouth or nose. Per the cashier, they don't have to wear masks but customers do. So they are protecting their employees but not customers???
Johnny L.
Aug 28, 2020
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I've been banking with Gary and his team at Gulf States for 4-5 years now and love the level of customer service I get when I walk through the door or pick up the phone. Gary and his team are always willing to work with me on all my banking needs. Just wanted to thank him again for helping me recently on my new Elite Mud Boat! Couldn't have made this dream come true without Gary and Gulf States!!
Chris M.
Jul 07, 2020
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"KAREN" in "COLLECTIONS" is a horrible person. She speaks to others in an extremely degrading manner (another PROFESSIONAL, btw--NOT a customer in collections)...I was calling her to make sure someones issue was taken care of-and she proceeded to tell me that I was doing my job wrong (which to be honest, Karen doesn't even know what my job is!!), She says I must not care about my employees--WELL, If I did NOT care about my employees-I probably would not have called to get the issue fixed BUT I do care, and WAS trying to get the issue fixed for MY employee...How was I supposed to know that GULF
William Frey
Sep 19, 2019
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Lisa Byrd
Jul 11, 2019
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We had a car loan with them. I have a voicemail stating I owed an amount by the 25th of the month. No problem!
They repossessed my car on the 20th. When I called and inquired about it, they flat out lied and said they tried to reach me multiple times and even sent emails. There was 1 email sent 3 days after the voicemail I have, to an email address we have never used to contact them with and isnt monitored. No other communication after the 4th of the month. I have been behind on payments before with them and Anna was extremely helpful and worked with me until I was back on track. Now it's someone
They repossessed my car on the 20th. When I called and inquired about it, they flat out lied and said they tried to reach me multiple times and even sent emails. There was 1 email sent 3 days after the voicemail I have, to an email address we have never used to contact them with and isnt monitored. No other communication after the 4th of the month. I have been behind on payments before with them and Anna was extremely helpful and worked with me until I was back on track. Now it's someone
Steven W.
Mar 21, 2019
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Gulf States Credit Union has worked with me and given me chances when my credit wasn't the best. It is a small office which benefits its members by actually having the attitude and vibe of a close-knit family. Gary, the President, will speak to any of his members if he is not busy. Debbie has been outstanding when dealing with me and my car purchases. Both Gary and Debbie have taken personal time to ensure that my loans are processed and handled properly. The sugar on top was this most recent car purchase... I had no idea they send out birthday cards and I got a discount on my loan for closing
Lauren P.
Jan 02, 2019
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Definitely five stars. I did a lot of travel for work after college and when I decided to settle back down, I was ready to achieve a new round of goals I had been planning. I went to Gulf States because my parents have been banking with them for almost 18 years and have always been very happy with Gulf States. The experience was delightfully personal and it was clear that they care about each individual's life and goals. I have had the pleasure of working with Debbie. She's a wealth of knowledge and works exceptionally hard and it shows. I also genuinely enjoy each time I see her and
James M.
Sep 22, 2016
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Nancy Cox
Oct 01, 2015
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I have been a member of Gulf States Federal Credit Union for about 45 years, opened an account for my son when he was just a toddler and now he and his wife have accounts here. So what does that say about this credit union? The people who are employed here have been employees for many, many years, are always smiling and polite, willing to do anything they can to help, and they know you when you walk in the door! I have never been displeased with any transactions with them and am truly honored to be a member here.
Albert P.
Mar 07, 2013
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This is a very small local (Casselberry/Maitland area) credit union. The offer all the services that you will find on any other credit union. When you go there they really make you feel like family. Unfortunately, they only have one location. Technology wise they still stuck in the early 1980's, I have an auto loan with them and they gave me a coupon book to make my payments.
