Credit Cards · Panama City, Florida
4 credit unions in Panama City report credit card APRs to the NCUA. Rates range from 8.50% to 12.29%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
8.50%
Lowest Card APR
10.55%
City Average APR
4 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | INNOVATIONS FINANCIAL ★ 3.5 · 32 reviews | 8.50% | 15.75% |
| 2 | PANHANDLE ★ 4.0 · 69 reviews | 9.90% | 11.50% |
| 3 | TYNDALL ★ 4.6 · 868 reviews | 11.49% | 10.99% |
| 4 | HELLO ★ 3.9 · 74 reviews | 12.29% | 14.96% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Panama City could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Panama City credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.