The Gulf Coast Community Federal Credit Union is a personal loan from Gulf Coast Community Federal Credit Union. The ongoing APR is 9.99 - 16.99% APR (Rates effective as of 6/30/2026). Typical credit limit: $50,000 Maximum Loan. Loan terms: Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Loans above $35,000 may be financed for 120 months with a 5 year balloon payment..