Routing Number #314978446 | Phone: (361)980-8203

Loans

We provide loans for almost any purpose at competitive rates.

Real Estate

Whether you are a first time home buyer or looking for your forever home Gulf Coast FCU has a mortgage option for you.

Learn More About Real Estate Loans

The right home loan should put a big grin on your face. Our low rates can help you reach your homeownership dreams faster.

Buying A New Home
Buying a home should be exciting and rewarding! We offer competitive rates and flexible options to fit your budget. We’ll guide you through the process, offer personalized advice and work to save you as much money as possible along the way.

Refinancing
Put more money in your pocket by leaving your high-interest rate home loan in the dust and refinancing with Gulf Coast FCU.

What’s next on your list? We’d absolutely love to help you get there. From kitchen do-overs to tropical vacations, consider a Home Equity Loan.

No pre-payment penalties
Finish your remodel early? Don’t worry. We won’t ding you for that.

Funds for anything under the sun
Maybe your real dream project is fixing up classic cars.

Pull cash out of your equity (instead of no pre-payment penalties)

Get the cash you need for kitchen upgrades, debt consolidation, or pay for college.

 

Ready for the ultimate side hustle? A rental property can be a powerful revenue stream with big returns.

Stake your claim! Purchase a land or lot and worry about the buildout later!

Auto

Shopping around? We’re confident we can get you an auto loan you’ll absolutely love.

Auto Loans from little red corvettes to weekday commuters! 

Whether you’re upgrading to a brand new car or looking at a used vehicle, financing your car loan at Gulf Coast FCU gets you behind the wheel with some of the lowest rates in town!

Benefits of Vehicle Loans

  • New vehicle financing based on Manufacturers Suggested Retail Price.
  • Used vehicle may be financed up to Wholesale Value on the current NADA Used Car Guide.
  • Up to 100% financing available on new vehicles.
  • Term 36-84 months on new vehicles.
  • Used vehicle terms based on model year and wholesale value, 36-84 months.
  • Payroll deduction available.
  • Pre-approval available
  • Credit Life and Credit Disability Insurance available.
  • GAP Protection
  • Vehicle Service Agreements

Sail off without a care in the world!

What does your weekend look like? A day or two on the bay, a weekend away with friends, or a trip to South Padre Island?
We have great rates and fixed terms on new and used boats — so you can get away with plenty of smiles and miles ahead.

Benefits of  Boat Loans

  • New boat financing based on Manufacturers Suggested Retail Price.
  • Used Boats may be financed up to 80% of Wholesale Value on the current NADA Used Boat Guide.
  • Up to 80% financing available on new boats.
  • Payroll deduction available.
  • Pre-approvals Available
  • Credit Life and Credit Disability Insurance available.
  • GAP Protection

Adventure is calling your name!

Can you see it now? Whether it’s camping in the State Park, by the bay, or beside the lake, or simply parking your RV for a cozy retreat, a cool getaway for hiking, fishing, boating, barbecues and new friends.  With our great fixed rates and a quick, easy approval process for both new and used RVs, your adventure starts here!

We can also help you get a fast and furious off-road toy, whether you’re into jet ski’s or enjoy off-roading in an ATV.

Benefits of Recreational Vehicle Loans

  • NEW Recreational vehicle financing based on 80% of Manufacturer’s Suggested price
  • Used Recreational vehicle financing based on 80% of Wholesale Value based on NADA Used Recreational Guide
  • Term up to 120 months
  • Payroll Deduction available
  • Credit Life and Credit Disability Insurance available

Personal

Get a loan from a local lender who knows your name and start making the big things happen in your life.

A straightforward loan for practically anything. No collateral needed.

Get an even lower rate by using your savings account to back up your loan. Secured loans carry our most attractive interest rates, and you’ll even continue to earn dividends on your savings!

Gulf Coast Federal Credit Union offers a loan to fit your every needs

  • Motorcycle Loans
  • Classic Vehicle Loans
  • CD Secured Loans
  • Unimproved Lots & Land Loans
Apply Now

Make A Loan Payment

Whether you are a first time home buyer or looking for your forever home Gulf Coast FCU has a mortgage option for you.

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