Gulf Trust Federal Credit Union


This account is what establishes your membership with the credit union. You are therefore required to maintain a minimum balance of $5.00 in this account at all times. The regular share account is designed to encourage savings thru payroll deduction, but deposits can be made through direct deposit, in person, mail payments, etc.


Your savings account, known at the credit union as shares, is paid dividends at the end of each quarter using the average daily balance method of calculation. The rate is declared by the Board of Directors and is subject to change. All shares hold a Free life insurance policy.

To obtain the annual percentage yield, you must maintain a minimum daily balance of $100.00.

Share Draft/Checking with VISA Debit/Check Card

  • visa_cardNo minimum balance required
  • No per check fee
  • No monthly service charge

To obtain the annual percentage yield, you must maintain a minimum daily balance of $500.00. You will not earn any dividends for the period if any daily balance is less than $500.00. Earnings on the account will be computed using the average daily balance in the account and paid quarterly.

The VISA CHECKCARD is for people who like convenience.   It is accepted anywhere the Visa logo appears and gives you access to cash at ATM’s. Transactions are cleared automatically from your checking account and are listed on your statement. Call for details.

Read our Share Draft/Checking Account Disclosure Statement.

Read our Overdraft Privilege Disclosure.

Read our Visa Block Release.

Automated Teller Machines

ATMs now available at our Pascagoula Office 2533 Denny Ave (Hwy 90 between Burger King & Krystal), in the lobby of Singing River Hospital and in the Main Hall of Ocean Springs Hospital.


Several Local Credit Unions in MS and AL offer surcharge free machines. Click for locations! *****Machines in other states may not be surcharge free******

Money Market Share Draft Account

Enjoy the flexibility of earning a higher dividend and check writing capability!  You don’t have to lock your money into a term deposit.

  • Minimum balance $1,000
  • Check writing ability  w/ first box of checks  FREE
  • 6 withdrawals allowed per month
  • If balance drops below $1,000 a monthly service fee of $10 will be charged
  • FREE-     
    • direct deposit
    • online banking
    • audio response
    • automatic deposits or withdrawals
  • Earn higher dividends than Regular Shares or Checking

Christmas Club    

  • santa-claus&snowmanNo minimum balance required,
  • Any amount can be deposited with unlimited number of deposits
  • The term for the account is from November to November annually.
  • Only one allowable withdrawal per term. Once a withdrawal has been made, other than annual disbursement by the credit union, the account will be considered closed for that particular term. The account may be opened at the beginning of the next term. If you close out your account before the end of the term, no dividends will be paid.

Vacation Club

Save for spending special time together and make memories for a lifetime.

Dyno Mike Kids Savings Club

For teaching youngsters the value of saving – this account is designed for kids under age 12

Pocket Cents Logo

Share Certificates

  • 3 month to 48 month terms available
  • earn a higher dividend
  • minimum balance of $1000.00
  • penalty if withdrawn before maturity.
  • dividends are paid and compounded quarterly. You must maintain a minimum daily balance to obtain the disclosed APY. See current rates.

Read our Share Certificate Disclosure.

IRA – Individual Retirement Accounts (Roth, Traditional, Educational)

These are  personal tax deferred retirement plans.  An IRA is the way to help secure and build a comfortable future. IRA funds can be deposited into a certificate that earns the same as our certificate rates, or into a IRA regular shares account. Contact your tax advisor to be sure you are eligible.

Direct Deposit

Direct Deposit puts your money to work for you. When you authorize your employer to automatically deposit your funds into your account, not only do you save time, but it’s also fast, safe and reliable! Your money will be in your account, whether you’re sick, on vacation or just to busy! Just imagine, you’ll never have to waste another lunch hour standing in line to deposit your check! And with Direct Deposit – it’s safe! Your paycheck can’t be lost or stolen.

All you need is our ABA (Routing) #, 265377976, and your account # to get started. Money can be directly deposited into your savings as well as your checking account.

Payroll Deduction

When you match Direct Deposit with payroll deduction, you have a powerful pair of money management tools working for you. With payroll deduction, each payday you can put a portion of your paycheck into your savings account and have the balance deposited into your sharedraft (checking) account. You also might make a loan payment to the credit union, automatically.

  • With payroll deduction, you accomplish three things at the same time, with no loss of time:
  • You build your savings
  • Fulfill a debt obligation
  • make funds available immediately to pay other obligations and to use for other things

Saving is easier when you pay yourself first with payroll deduction.

For more information, contact our office at 228-762-0659.


Internet Banking

  • Transaction history,
  • Check copies
  • Transfer funds,
  • Request withdrawals,
  • Re-order checks,
  • Make loan payments
  • Tested for safety, Internet banking is convenient and easy!

Mobile Banking App

Must be enrolled in Internet Banking to use our mobile app. Download from your app store.

To download our mobile app, choose the compatible app store below.

Download on the App Store  Google Play


Safe, secure, convenient, and saves money and paper. Enroll through Internet Banking.


Wire transfers

  • You will need the receiving party information:
  • *Receiving financial institution ABA # & address
  • *Receiving party’s name, address and account #

Night deposit

  • Located on the West side of our 2533 Denny Ave, Pascagoula, MS  office
  • Also at #23 Marks Rd, Ocean Springs, MS 39564
  • Free Notary Service
  • Consumer Reports magazine New Car Guide available for research.


Apply for a loan now!

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.

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

Contact our loan department for details:

Angela Franovich or Christina Fore (228) 762-0659 x 308

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
  • Qualifications and closing costs apply
  • NMLS# 808413
  • Call for more details- Special applications required

Home Equity Line of Credit

  • Introductory rate of 3.75% for qualified members
  • Variable rate loan. Initial rate begins at the current prime rate according to the Wall Street Journal as of date of closing, minimum of 4.5% – Rates depend on 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

Pay Day Loans

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
  • Pre-approval available
  • 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


Payment protection on your loan is available through CUNA Mutual Group.  Elected coverage carries a death benefit that will payoff your loan in case of your or your co-signer’s death.  Also available is disability coverage that will pay your monthly loan payments in the event you become unable to work. 

Credit insurance

Gap – Guarantee Asset Protection

gapGuaranteed Asset Protection- when you have an accident and you total your vehicle, this covers the difference of the balance owed and the insurance payment.

Guaranteed Asset Protection covers:

  • The GAP between the balance you owe and what your insurance company will pay in the event your car is totaled or stolen
  • $500 toward your deductible
  • $1000 to the balance on a replacement vehicle financed with us

This great addition to our loan products will be Free on loans for the purchase of new & used vehicles, motorcycles, ATV’s & personal watercraft through December 31, 2008. Afterward, the cost will be $250 per loan.

Financial Counselors

Gulf Trust Credit Union offers  FREE  financial counseling.  Three of our employees are Certified Credit Union Financial Counselors – Betty Hutchinson, Angela Franovich, & Jennifer Spiriti. They will gladly review your credit history, discuss budgeting and  help you set goals for you to take control and better understand your finances.