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
Other Loans
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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.
First Mortgages
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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!
Other Mortgages
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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.
Credit Report
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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.
Accounts & Services
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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.
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