Emerald Coast Federal Credit Union

Emerald Coast Federal Credit Union is a full-service financial cooperative, dedicated to serving its membership. We were originally chartered in 1939 as St. Joe Papermakers Federal Credit Union to serve the employees and their families of the local paper mill. In 1998, we became Emerald Coast Federal Credit Union and converted our charter to a community credit union. That means if you live, work, worship, or attend school in Gulf County or the City of Mexico Beach, you are eligible to become a member. We have since evolved into the outstanding, locally owned and operated financial institution we are today. Being a part of the credit union family brings you great advantages; such as low service fees, high dividend rates, and lower interest rates on loans. We offer a full range of products and services that can meet all your financial needs.We have two locations to serve our members. Our main office is located in downtown Port St. Joe at 502 Woodward Avenue and our branch office is located in Northern Gulf County in Wewahitchka at 101 East River Road. Both locations have all the capabilities needed to make financial transactions simple and convenient!To learn more about our financial products and services, please take a few minutes to browse our Web site.