Panhandle
Verified Information
NCUA Insured
Member-Owned
2 charter
Established in 1957
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Panama City, FL may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1957
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Panama City and serves members in the FL area. Currently serving 16,187 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.65%Used Auto Loan
8.65%Personal Loan
11.50%Credit Card APR
9.90%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in FL
Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).
Orlando, FL
Fort Lauderdale, FL
Jacksonville, FL
Sarasota, FL
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(7 total)
Member Reviews
4.0
69 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Savannah Mettille
3 months ago
10/10 for the mortgage dept. As a Realtor, I can confidently say that strong communication can make or break a transaction and Brittany and Marlene at Panhandle Credit Union absolutely exceed expectations. They are proactive, organized, and consistently keep everyone informed throughout the entire mortgage process. Their responsiveness and professionalism help ensure smooth closings, and that is invaluable in this industry. I highly recommend them to both buyers and fellow agents.
Chef Jojo
6 months ago
These people are the worst. Drive to pay balance off teller can’t figure it out. System is back dated. And the best part is having the bank harass you for a payment 2 months behind when you were there in person the month before to get the account current. Not even there employees know what’s going on. Had to pay my vehicle off rather than deal with them negatively impact my credit, only to have them not cancel my membership when I said I wanted to pay my car off and be done with them. Couldn’t have been clearer. Now I owe $5 zero balance fee when they took it out 🤣 If you don’t see the images they directly texted me telling me their expectations in a very 50 shades of grey way which wasn’t necessary sir. LOL because I came in to pay it 2 days later than I originally said. Very interesting group of people to say the least.
Leon Street
a month ago
I love PCU! ❤️❤️❤️ Michael Evans is an amazing man in the collection department. The CEO Justin Hall has been one of my best friends since childhood. You need a loan go to PCU!!! Love Leon and Cassie ❤️❤️❤️
Caleb Perkins
4 months ago
As a completely unbiased individual I can attest that PCU is an excellent Credit union to bank with. Also Michael is great no matter what anybody says!
Terry Pearson
5 months ago
Worst credit union to do business with, There not here to help you, but to trick you out of money and full of lies(Mike) Beware of him, I been with this credit union for over 20 years and they hired this guy and he has destroyed their business with me, I advised you to do business elsewhere, I am a living witness to this credit union. BEWARE OF MIKE in the MLK office
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(850) 769-3306Website
Visit WebsiteMembers
16,187
Total Assets
$356.9M
Year Opened
1957
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile