Gulf Trust Federal Credit Union

Apply by logging in to the Internet Banking link.

We are dedicated to offering our members personal attention to grant them financing that best meets their needs. Approval is based on creditworthiness, ability to repay, and/or collateral. The interest rate applied is based on your credit score.

Gulf Trust Federal Credit Union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

Contact our loan department for details:


Share Secured Loans

This loan is secured by your savings account. Your interest rate is 2% above your interest rate on your savings account. Repayment terms are flexible.

First & Second Mortgages For Refinance Of Homes Or Undeveloped Property

  • Fixed rate – depending on your credit score
  • Maximum term 30 yrs
  • 80% financing for homes and 75% financing on undeveloped property
  • Qualifications and closing costs apply
  • NMLS# 808413
  • Call for more details- Special applications required

Home Equity Line of Credit

  • Introductory rate of 2.99% for qualified members
  • Adjustable rate loan with introductory rate at 5.50% for qualified members and depends on the Wall Street Prime Rate and your credit score
  • repayment term depends on loan amount, maximum is 30 yrs
  • 10 year draw period
  • up to 90% of value – depending on your credit score
  • qualifications apply
  • Call for more details- Special applications required

Stat Cash Loan

Cash just for those tough times! Short-term, easy monthly payments!

Household Goods

(appliances, computers, funiture)

  • 100% financing available
  • Up to 5 year term
  • Qualifications apply

Recreational Vehicles

(boats, motorcycles ,waverunners,4 wheelers, tractors)

  • 100% financing
  • Up to 7 year term
  • Qualifications apply

New Autos

  • 100% Financing – not to exceed MSRP + tax and title fees
  • Up to 7 year term
  • New car guide available
  • Qualifications apply

Used Autos

  • Financing of retail value per NADA
  • 7 year term available
  • Qualifications apply

Personal/ Unsecured Loans

  • Amount allowed is based on credit history
  • Financing up to 5 years

College Loans


Student Loans