Save. Plan. Retire.

Gulf Coast Federal Credit Union Mobile Al

Through our partnership with CUSO Financial Services, GCEFCU members gain access to wealth management tools like Contour and Unio, an advisor-based platform.

GCEFCU provides members with an array of financial services designed to facilitate their financial journeys. Banking essentials include checking and savings accounts with competitive interest rates. Lending solutions available include personal, auto, and mortgage loans.


Gulf Coast Federal Credit Union was established in 1947 as a not-for-profit financial institution and currently boasts assets of roughly $50 million. Based in Mobile, Alabama and operating within the Depository Institutions sector’s Federal Credit Unions business/industry / sector; employees at its Mobile headquarters total approximately 10 people with 16 across all locations.

Garza realized his community charter wouldn’t provide GCEFCU with enough room to thrive; that is when he turned to CUCollaborate for assistance.

Values & Mission

Credit unions stand apart in the financial world as unique cooperatives dedicated to serving their members with an ethos that places People Helping People first. Profits return directly back to members through higher dividends and improved services; loan rates may even be more competitive than what banks can offer.

Gulf Coast EFCU was searching for an accounting partner that could grow with them and assist with reaching their goals, and found it in CUCollaborate. Working with CUCollaborate took away much of the heavy lifting for their team so that they could focus on expanding membership and assets instead. Their partnership is built upon trust, communication and shared passion for credit unions – creating one rooted in mutual appreciation of credit union movement.


Gulf Coast Federal Credit Union offers secure and convenient checking services that make managing your money simple and worry-free. From online and mobile banking with BillPay-e Plus to near real-time alerts, statements, calculators and more – as well as accessing CO-OP Shared Branching or ATMs nationwide – our checking accounts make managing money simple!

LeNoir credits Aux with providing his organization with a full-service accounting solution since 2019. Following their primary accountant leaving to join another firm late 2019, LeNoir needed someone capable of handling both day-to-day accounting functions as well as monthly reporting functions – Aux is now part of his team, sharing his passion for credit unions.


Credit union members have access to various savings services, including money markets and certificate accounts, in addition to online calculators and tools to assist in managing their finances.

Rates may change without notice and fees may reduce earnings. Qualifications, restrictions, processing limitations, rewards calculations, cycle dates and enrollment instructions apply. Kasasa(r) and Cash are trademarks owned and registered with Kasasa Ltd in the U.S.A. Registered trademarks of credit unions insured by National Credit Union Administration U.S.A (NCUAUSIF).

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Loans & Credit Cards

Gulf Coast Federal Credit Union of Mobile, Alabama operates as a federal credit union offering personal checking and savings accounts, loans and lines of credit, retirement planning services, investment services, insurance products, as well as other financial products and services. Deposits insured through National Credit Union Share Insurance Fund.

CO-OP Shared Branching: GCFCU members can utilize CO-OP’s nationwide network of shared branches for banking needs such as deposits, withdrawals, loan payments and transfers between accounts – much like they would at a GCFCU location.

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Retirement Planning & Investments

Credit union members can take advantage of several retirement savings plans including 401(k), 403(b), and IRA’s; employers may even offer matching contributions.

Your statement period allows up to six withdrawals or transfers without incurring a fee. After this number of transactions have taken place, fees may apply.

Stacy brings over 23 years of banking experience from various Alabama and Florida community and regional banks. He possesses in-depth knowledge about residential mortgage lending.






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