Gulf County's member-owned, NCUA-insured credit union retirement savings and depository network is anchored by two federally chartered institutions operating three physical brick-and-mortar branches across Port St. Joe (32456) and Wewahitchka (32465). Chartered in 1939 as the St. Joe Paper Company Employees Federal Credit Union and headquartered directly in Port St. Joe at 502 Woodward Avenue (PO Box 128), Port St. Joe, FL 32456 ((850) 227-1156) with a full-service north-county branch at 101 East River Road, Wewahitchka, FL 32465 ((850) 639-5024), Emerald Coast Federal Credit Union (NCUA Charter #3388) is Gulf County's sole domestically headquartered financial institution—serving anyone who lives, works, worships, or attends school in Gulf County. Complementing ECFCU just blocks away on State Road 71 at 501 Cecil G. Costin Sr. Boulevard, Port St. Joe, FL 32456 ((850) 705-6009 / Toll-Free (888) 896-3255, https://www.tyndall.org) is Tyndall Federal Credit Union (NCUA Charter #10754, chartered 1956, $1.9B+ assets). Together, ECFCU (#3388) and Tyndall FCU (#10754) provide Gulf County retirees, retired paper-mill and maritime workers, military veterans, and school board employees with NCUA-insured Traditional and Roth IRA Share Certificates (federally insured by the National Credit Union Share Insurance Fund up to $250,000 separately from regular share draft and money market accounts), high-yield Share Certificates, Payable-on-Death (POD) and revocable trust account titling, home-equity aging-in-place loans, and CUSO retirement planning and annuity consultations (via LPL Financial LLC, CRD #6413 / TruStage Wealth Management).
Official Verification Sources: Emerald Coast Federal Credit Union (NCUA Charter #3388) — Port St. Joe & Wewahitchka Locations; Tyndall Federal Credit Union (NCUA Charter #10754) — Port St. Joe Branch (501 Cecil G. Costin Sr. Blvd); National Credit Union Administration (NCUA) — Official Research a Credit Union Portal
Issuer: National Credit Union Administration (NCUA)
Notes: Verified 2026-10-26 via NCUA Credit Union Locator: Emerald Coast Federal Credit Union (NCUA Charter #3388) operates its corporate headquarters at 502 Woodward Ave, Port St. Joe, FL 32456 ((850) 227-1156) and its north-county branch at 101 E River Rd, Wewahitchka, FL 32465 ((850) 639-5024).
Issuer: National Credit Union Administration (NCUA)
Notes: Verified 2026-10-26 via NCUA & Tyndall FCU: Tyndall Federal Credit Union (NCUA Charter #10754) operates its full-service Gulf County branch at 501 Cecil G. Costin Sr. Blvd, Port St. Joe, FL 32456 ((850) 705-6009 / (888) 896-3255).
Factual details and direct answers about Emerald Coast Federal Credit Union (Port St. Joe Charter Headquarters & Wewahitchka Branch) & Tyndall Federal Credit Union (Port St. Joe Branch)'s services, licensing, and credentials.
Which NCUA-insured credit unions operate physical branches in Port St. Joe and Wewahitchka?
Gulf County is served by three brick-and-mortar credit union branches across two institutions: Emerald Coast Federal Credit Union (NCUA Charter #3388), headquartered at 502 Woodward Avenue in Port St. Joe ((850) 227-1156) with a second branch at 101 East River Road in Wewahitchka ((850) 639-5024), and Tyndall Federal Credit Union (NCUA Charter #10754), located at 501 Cecil G. Costin Sr. Boulevard in Port St. Joe ((850) 705-6009).
How are IRA Share Certificates insured at Emerald Coast FCU and Tyndall FCU for Gulf County retirees?
At both Emerald Coast Federal Credit Union (#3388) and Tyndall Federal Credit Union (#10754), Traditional and Roth IRA Share Certificates are insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per member, completely separate from the $250,000 coverage on regular checking, savings, and money market accounts.
Connect with complementary legal, financial, and residential providers serving seniors in Port St. Joe and Gulf County.
Novak Law Group, PLLC (Jeremy T.M. Novak, Esq. — Gulf County Attorney) & Rish & Gibson, P.A. (Thomas S. Gibson, Esq.) — Port St. Joe Probate, Estate Planning, Trust & Real Property Counsel
Port St. Joe, Gulf County
(850) 229-4700
Port St. Joe USDA Section 515 & FHFC LIHTC Apartments — Pine Ridge Apartments, Liberty Manor Apartments, Gateway of St. Joe & Bridgeport (32456)
Port St. Joe, Gulf County
(850) 227-7451
Shores Nursing and Rehab Center (Formerly The Bridge at Bay St. Joe — #SNF1038096) & Our Home at Beacon Hill ALF (#AL10713) — Port St. Joe In-County Long-Term Care
Port St. Joe, Gulf County
(850) 229-8244
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Centennial Bank — Port St. Joe & Wewahitchka In-County Branches & Centennial Financial Services (Crowley Wealth / Ameriprise Financial Services, LLC)
Port St. Joe, Gulf County
Farnsley Wealth Management, LLC (Aaron S. Farnsley, CFP®, AIF®, MBA — Osaic Wealth) & Woodrick Financial (Walter L. Woodrick, CFP® — LPL Financial) — Port St. Joe In-County CFP® Advisory Practices (with San Blas Capital, LLC)
Port St. Joe, Gulf County
Capital City Bank — Port St. Joe Avenue A Branch, Capital City Strategic Wealth (Benjamin A. 'Ben' Welter, CPFA® & Noah H. King, CFP®, AAMS®, APMA® — LPL Financial) & Capital City Trust Company
Port St. Joe, Gulf County
Roberson & Associates, P.A. — Ralph Christian 'Chris' Roberson, CPA (Port St. Joe In-County CPA Firm; Cross-Ref: Michael D. McKenzie, CPA, Beverly A. Smith, CPA, Tipton Marler & Carr Riggs & Ingram)
Port St. Joe, Gulf County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.