Business Details
Your Trusted Florida Credit Union Partner
Panhandle Credit Union has been serving Florida communities with personalized financial solutions since our founding. Our team of experienced professionals specializes in delivering comprehensive banking services including personal and business accounts, mortgage and auto loans, credit cards, and investment products. We prioritize community development through locally-focused initiatives while maintaining competitive rates and cutting-edge digital tools.Our 5-star Bauer Financial rating reflects our commitment to financial stability and member satisfaction. With both physical branches and robust online banking platforms, we provide flexible access to services designed to meet diverse financial needs while maintaining NCUA federal insurance for member security.
Services
Personal Checking
Business Checking
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Business Loans
Personal Loans
IRAs
Financial Education
Highlights and features
- Community-focused financial institution with local decision-making
- Competitive rates on loans and deposit products
- Comprehensive digital banking services with Zelle integration
- 5-star financial rating from independent industry analyst
- Federally insured accounts protecting deposits up to $250,000
Associations and certifications
- NCUA
- Bauer Financial
Services
Auto Loans
We offer competitive auto loan options with rates starting at 3.95% APR for new and used vehicles. Our flexible terms accommodate various credit profiles while providing personalized assistance throughout the purchasing process. Members benefit from streamlined applications and quick approval decisions.
Mortgage Loans
Our home loan programs include first mortgages, home equity lines, and lot loans with competitive rates and personalized guidance. We offer refinancing options to help reduce payments on existing mortgages while providing local market expertise for Florida property purchases.
Credit Cards
Our Visa credit card program features rewards earning opportunities and competitive 9.9% APR. Cardholders enjoy enhanced security features and the ability to earn rewards on everyday purchases through automatic enrollment in CURewards.
Business Banking
We provide tailored business banking solutions including checking accounts, loan programs, and financial management tools. Our services help small business owners streamline operations while offering specialized support for local entrepreneurs and commercial ventures.
Financial Education
Through our KOFE Time program, we offer free financial education resources covering budgeting, credit management, and personal finance. These tools help members improve financial literacy and make informed money decisions at no additional cost.
Questions
What services does Panhandle Credit Union offer?
We provide personal and business banking, auto/mortgage loans, credit cards, savings accounts, IRAs, and financial education resources through both physical branches and digital platforms.
Are my deposits insured at Panhandle Credit Union?
Yes, all deposits are federally insured up to $250,000 by the NCUA, with additional protection through our 5-star financial rating.
What loan rates do you currently offer?
Our current rates include 3.95% APR for auto loans, 5.75% APR for HELOCs, and 9.9% APR for Visa credit cards with flexible terms.
How can I access my accounts online?
Our online banking platform provides 24/7 access to account management, bill payment, Zelle transfers, and card controls through both desktop and mobile applications.
Do you offer business banking solutions?
Yes, we provide comprehensive business banking services including checking accounts, loans, and financial management tools designed for small business owners.
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