In early 1972 a group of employees of the Singing River Hospital and the Ocean Springs Hospital gathered to discuss forming a credit union for the purpose of providing economical savings and loans to fellow co-workers and families. The State of Mississippi granted them a charter and the J C Hospital System Employees Credit Union was born. Employees now had financial opportunities some had never been given.
With the support of Singing River Hospital, the first credit union office was located in their facility. Members began to achieve their financial goals reaping the benefits of the credit union philosophy of “People Helping People.” In 1983 the credit union was growing and purchased its own “mobile” office. By 1995 with the addition of new products and services the J C Hospital System Employees Credit Union had grown to $6.8 Million in assets and 3, 032 members. The need for space was evident and operations moved into a larger building on the hospital premises. By 2003 the credit union had grown to $12.9 Million and gained complete financial independence by purchasing its own building located at 2533 Denny Ave, Pascagoula, MS where present operations are conducted. This move allowed the addition of a drive up and placement of an ATM along with additional office space.
In 2015 the Board of Directors sought the recommendation of our members to adopt a simpler name to reflect our locality and its financial strength. With an overwhelming majority vote, the membership chose the name Gulf Trust Credit Union. Today, the employees and families of the Singing River Health System and other Select Employee Groups (SEGs) within the healthcare industry enjoy many benefits of a full-service financial institution.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154