Business Details
Your Trusted Florida Credit Union for Personal & Business Banking Solutions
Panhandle Credit Union has been a trusted financial institution serving Florida communities since 1952. As a member-owned cooperative, we prioritize personalized service and community development. Our team of experienced financial professionals offers comprehensive solutions including personal and business banking, mortgage lending, auto loans, and investment products. We maintain a 5-star rating from Bauer Financial and are federally insured by the NCUA, ensuring member funds are protected up to $250,000. Through strategic partnerships like KOFE Time, we provide free financial education resources to help members achieve long-term financial wellness. Our commitment to innovation is demonstrated through advanced digital banking tools including mobile check deposit, Zelle P2P transfers, and real-time card controls.With multiple branch locations and access to 5,000+ shared branching centers nationwide, we combine local expertise with nationwide convenience. Our lending specialists offer competitive rates on home loans, auto financing, and business credit solutions tailored to individual needs. We maintain strict compliance with all regulatory standards while continuously investing in cybersecurity measures to protect member information. Through community initiatives and financial literacy programs, we strive to empower members to make informed financial decisions that improve their quality of life.
Services
Personal Checking
Business Checking
Auto Loans
Mortgage Loans
Personal Loans
Visa Credit Cards
Online Banking
Mobile Banking
Financial Education
Fraud Protection
Highlights and features
- Maintain a 5-star rating from Bauer Financial for superior service
- Offer NCUA-insured accounts protecting funds up to $250,000
- Provide free financial education through KOFE Time partnership
- Operate 24/7 digital banking with advanced security features
- Serve members through 5,000+ shared branching locations nationwide
Associations and certifications
- NCUA
Services
Auto Loans
We offer competitive auto loan options for new and used vehicles with rates as low as 3.95% APR*. Our lending specialists help members find the right financing solution for cars, motorcycles, boats, and RVs. With flexible terms and quick approval processes, we make vehicle ownership accessible while maintaining responsible lending practices.
Mortgage Loans
Our comprehensive mortgage programs include first mortgages, second mortgages, and home equity lines of credit. We offer competitive rates starting at 5.75% APR* with options to refinance existing mortgages. Our local lending experts guide members through the home buying process while providing personalized solutions for property investments.
Personal Checking
We provide no-minimum personal checking accounts with free online banking, mobile check deposit, and Zelle P2P transfers. Our accounts include fraud protection features and access to 5,000+ shared branching locations. Members benefit from competitive dividend rates and no hidden fees for standard account maintenance.
Financial Education
Through our partnership with KOFE Time, we offer free financial education resources including budgeting tools, credit improvement guides, and debt management strategies. Our programs help members develop smart money habits through interactive workshops and personalized coaching sessions available online 24/7.
Visa Credit Cards
Our Visa credit card options feature competitive rates starting at 9.9% APR* with rewards programs for everyday purchases. We offer credit-building tools including mobile payment integration, transaction alerts, and customizable spending controls. Members can earn cashback rewards while building responsible credit habits through our CURewards program.
Questions
How do I apply for a loan with Panhandle Credit Union?
Apply online through our secure portal or visit any branch location. Our lending specialists will guide you through the process and help determine the best loan option for your needs.
What digital banking features are available?
Access mobile check deposit, Zelle transfers, card controls, eStatements, and 24/7 account monitoring through our mobile app or online banking portal.
Are there fees for using shared branching services?
No fees for basic transactions at shared branching locations. Members can deposit checks, withdraw cash, and make loan payments at 5,000+ participating credit unions.
How does the credit union protect against fraud?
We employ advanced fraud detection systems, transaction monitoring, and identity theft protection programs like Fraud Defender to safeguard member accounts.
What financial education resources are available?
KOFE Time partnership provides free budgeting tools, credit improvement guides, and financial coaching through our online portal and mobile app.
Can I access my accounts outside business hours?
Yes, our online and mobile banking platforms provide 24/7 account access for transactions, bill payments, and account management.
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Reviews (5)
Melissa Guynn
Sep 27, 2021
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I have banked with Panhandle for several years. In fact, it is the first place where I started banking after my first job. When I got married, we chose another local institution, but then decided to go back to Panhandle because of the customer service and reliability. I will not bank at any other place.
Andy Jorgensen
Sep 26, 2021
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This credit union is a joke ! Online banking and their app is a joke ! Horrible customer service ! Do yourself a favor and do your banking somewhere else !
Jody Waller
Sep 11, 2021
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Excellent service always!!! From teller line service to loans and mortgages. They are timely in loan processing and extremely helpful. A great place to bank!
Terri White
May 04, 2021
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Your online banking is terrible. I wish you could resolve this for me. I can only log in one time then it says we can't verify your account.
Jessie
Nov 10, 2020
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In the past, I have liked this bank. However, I'm now having huge issues with this bank. They have caused my credit score to drop 70 points twice in the past year by doing a hard check on me when considering applying for a loan. I only inquired about this loan because this bank kept sending me advertisements in the mail about switching my car loan over to them from Ford and how I will save money by doing so. I have spoken with Tonya, Hwy 231 Branch, and Kristen Ellzey, Panama City Branch, and they are of no help, nor are they trying. Kristen is very rude and defensive, talks over me, doesn't let