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Gulf Trust Credit Union

Gulf Trust Credit Union is a financial cooperative offering loans, savings accounts, checking accounts, mortgages and credit cards to communities throughout Mississippi.

Gulf Trust Credit Union uses ABA Routing Number 265377976 for automated transactions like ACH transfers, direct deposits and bill payments. You can find this routing number printed at the bottom left side of your check.

Vision Values & Mission

Gulf Trust Credit Union is a financial cooperative offering banking essentials, savings accounts, loans and mortgages to the community in Mississippi. Member-owned and run, this Mississippi CU provides banking essentials at competitive rates.

In 1972, employees from Singing River Hospital and Ocean Springs Hospital came together to form the J C Hospital System Employees Credit Union in order to offer economic savings and financial opportunities for co-workers. With State of Mississippi approval they established J C Hospital System Employees Credit Union.

Gulf Coast FCU was previously managed in-house with an accountant not certified as a Certified Public Accountant (CPA), who handled day-to-day accounting tasks and monthly reporting. Since outsourcing with Aux, Gulf Coast FCU can focus on more strategic initiatives – an essential ingredient to their success.

Routing Number & Locations

Gulf Trust Credit Union is a financial cooperative offering loans, investments, savings accounts, credit and debit cards and additional services in Mississippi communities. Their routing number is 265377976.

Routing numbers are 9-digit codes used to identify financial institutions when conducting transactions, typically located at the bottom left hand side of checks or used for electronic transfers such as ACH transfers or wire transfers.

Find a Gulf Trust Federal Credit Union branch nearby using either the map or list provided below. It will display their contact details and address, making it simple for you to access their services in your local area.


Gulf Trust Credit Union was established in 1972, and since then has provided members in PASCAGOULA, MS with superior financial products and services. They offer checking accounts with competitive interest rates; savings accounts that offer competitive dividend rates; new/used car loans as well as 1st mortgage products as well as various loan products to meet every financial need of their members.

Gulf Trust makes banking simple and accessible through mobile apps and online banking, ATMs provide easy access to money wherever it may be needed and their low monthly checking account fee covers usage fees for other ATMs as well.


Credit unions typically offer higher savings account interest rates than banks do, plus lower or no fee banking services and loans at competitive rates. Profits earned at a credit union are returned directly back to members in the form of lower loan interest rates and dividend rates on deposits, explains Davis.

Gulf Credit Union was established in 1972 to serve communities throughout Mississippi. Offering checking and savings accounts, auto, mortgage, credit card loans as well as investment and insurance products such as Kasasa Saver accounts that automatically move rewards earned with free Kasasa Cash Back or Kasasa Cash accounts into high-earning Saver accounts with higher yielding returns is part of their service to members. They’re federally insured by NCUSIF too!

Loans & Credit Cards

As an EFCU member, you’ll have access to a complete suite of banking essentials and services including checking, savings accounts, credit cards and mortgage loans. Plus you’ll enjoy competitive interest rates, easy access via 80,000+ surcharge-free ATMs worldwide and 24/7 mobile and online banking – not forgetting 24/7 mobile and online banking as well!

Loan and line of credit rates depend on collateral value, services selected and additional features such as tax deductible interest. Consult your tax advisor for details.

Securities and advisory services provided through LPL Financial, a registered investment advisor and broker-dealer that is member of both FINRA and SIPC. Insurance products available through affiliates of LPL.

Retirement Planning & Investments

Gulf Trust can help you navigate the path towards financial security with accounts designed to support every stage of life – be it saving for your future home, college education costs or retirement savings. Our accounts cover every financial journey.

CESAs are tax-deferred savings accounts designed to assist with qualifying educational expenses including tuition and fees, books, supplies and room & board. Please consult a tax advisor for further details.

Credit union members can open certificates of deposit with competitive APYs and low minimum deposits at our credit union, in addition to traditional and Roth IRA CDs. Non-deposit investment products and services are provided through CUSO Financial Services, L.P. – an registered broker-dealer member of FINRA/SIPC – offering nondeposit investment products and services.






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