Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions
Gulf Credit Union has served its members since 1939, offering a wide range of financial products and services. Originally established at Gulf Oil with two employees, the credit union now employs nearly 85 staff members and serves over 24,000 members. We prioritize building lifelong relationships through personalized service, understanding that no two financial needs are identical. Our member-owned structure ensures earnings are returned to members through competitive rates and enhanced services.With locations across Southeast Texas and digital banking tools, we provide convenient access to financial solutions tailored to individual and business needs. Our commitment extends beyond banking through community involvement, including scholarships, charity events, and blood drives. Backed by federal insurance and a focus on innovation, we aim to be a trusted financial partner for generations.
Services
Checking Accounts
Savings Accounts
IRAs
Auto Loans
Business Lending
Mortgage Loans
Online Banking
ATM Services
Share Certificates
Credit Cards
Details
- Year established: 1939
Highlights and features
- 85 years of experience serving Southeast Texas communities
- Member-owned structure prioritizing customer needs over profits
- Community involvement through scholarships and local initiatives
- Convenient locations and 24/7 digital banking access
- Financial education resources for informed decision-making
Associations and certifications
- NCUA
- Texas Credit Union Department
What people say
Exceptional customer service
Competitive loan rates
Community-focused initiatives
User-friendly mobile app
Knowledgeable staff
Services
Checking Accounts
Our dividend-paying checking accounts offer overdraft protection and flexible options for everyday financial needs. Designed for convenience, they include free bill pay, mobile banking, and instant-issue debit cards. Ideal for managing daily expenses while earning returns on your balance.
Auto Loans
Competitive-rate auto loans for new and used vehicles, including pre-approval options through local dealerships. Terms tailored to credit profiles with flexible repayment schedules. Helps members secure reliable transportation while building credit history through timely payments.
IRAs
Traditional and Roth IRA options to help plan for long-term financial security. Tax-advantaged savings with various investment vehicles. Designed for individuals seeking to build retirement funds through regular contributions and compound growth.
Business Lending
Financial solutions for business growth including real estate financing, equipment purchases, and working capital loans. Tailored terms for established businesses and startups. Supports commercial ventures through personalized lending strategies and dedicated account management.
Online Banking
24/7 access to account management through secure online and mobile platforms. Features include bill payment, mobile check deposit, and real-time transaction monitoring. Enhances financial control with budgeting tools and instant customer support access.
People
Todd Gaudin
President/CEO
Todd Gaudin leads Gulf Credit Union with over 25 years of financial services experience. He focuses on member-centric innovation and community development. Prior to his current role, he held leadership positions in credit union operations and strategic planning.
Stephine Adams
Senior Vice President/COO
Stephine Adams oversees daily operations with a commitment to exceptional member service. She brings decades of credit union expertise in process improvement and team development. Her leadership emphasizes operational efficiency while maintaining personalized financial solutions.
Karen Brown
Board Chairwoman
Karen Brown serves as Board Chairwoman, guiding strategic initiatives for Gulf Credit Union. With extensive local business experience, she champions community-focused financial policies. Her leadership ensures alignment with member needs and long-term institutional stability.
Dr. Francisco Alvarez
Advisory Director
Dr. Francisco Alvarez contributes educational expertise to Gulf Credit Union's advisory board. As a community leader, he advocates for financial literacy programs. His academic background enhances the credit union's approach to member education and outreach initiatives.
Logan Delcambre
Vice Chairman
Logan Delcambre serves as Vice Chairman, focusing on financial stewardship and governance. His business acumen strengthens the credit union's fiscal policies. He actively participates in strategic planning while representing member interests in decision-making processes.
Questions
How do I apply for a loan at Gulf Credit Union?
Visit any branch location, contact us by phone, or start online. Our lending specialists will guide you through pre-approval options and required documentation for personalized service.
What accounts are available for new members?
We offer checking, savings, IRAs, and business accounts with competitive rates. Eligibility requires living, working, or attending school in our service area.
How does the credit union protect my information?
We use multi-factor authentication for online banking and encrypted communication. Physical and digital security measures protect member data in compliance with federal regulations.
What community programs does Gulf Credit Union support?
We sponsor scholarships, blood drives, and local charity events. Our outreach includes financial literacy programs for schools and small business development initiatives.
Can I access my account outside business hours?
Yes, through 24/7 online banking, mobile deposit, and ATMs. In-branch services are available during posted lobby hours at our Southeast Texas locations.
What makes Gulf Credit Union different from banks?
As a member-owned cooperative, we return profits to members through better rates and lower fees. Our local decision-making prioritizes community needs over corporate interests.
