The 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 serving Gulf County and the City of Mexico Beach. In 2012 we expanded our field of membership to include Franklin County. That means if you live, work, worship, or attend school in, or have businesses and other legal entities in Gulf or Franklin County or the City of Mexico Beach, you are eligible to become a member.