Loyalty CU

Business Details

Your Trusted Florida Credit Union for Personalized Financial Services

Loyalty CU has served the financial needs of Northwest Florida communities for nearly a century. As a not-for-profit credit union, we prioritize member success over corporate profits by offering competitive loan rates, high-yield savings options, and personalized financial services. Our CDFI certification reflects our commitment to economic development in underserved areas through affordable housing initiatives, small business financing, and financial literacy programs.

With branches across 15 counties, our team combines local expertise with national standards of excellence to deliver tailored solutions for individuals and businesses. We distinguish ourselves through community reinvestment, free financial counseling services, and a member-owned structure that ensures every decision aligns with client interests.

Services

Auto Loans Mortgage Loans Credit Cards Savings Accounts Financial Counseling

Highlights and features

We operate as a certified CDFI serving underserved communities
Our member-owned structure returns profits directly to account holders
We offer free financial counseling and credit education programs
We maintain 15 Florida counties with localized service expertise
Our not-for-profit model ensures competitive loan and savings rates

Associations and certifications

Community Development Financial Institutions (CDFI)

What people say

Credit score improvement Member-focused approach Free financial counseling

Website

Update Listing

Services

Auto Loans

We provide competitive auto loan options for new and used vehicle purchases. Our members benefit from flexible terms, low interest rates, and personalized payment plans. Our lending specialists help clients navigate financing options that match their budget and credit profile.

Mortgage Loans

Our mortgage lending program offers fixed and adjustable rate options for home purchases and refinancing. We specialize in community development initiatives that make homeownership accessible. Members receive dedicated support through the entire loan process from pre-approval to closing.

Financial Counseling

We offer free financial education services to help members improve credit scores and build wealth. Our certified counselors provide personalized guidance on debt management, budgeting, and financial planning strategies for long-term stability.

Questions

What are the benefits of joining Loyalty CU?

Members receive competitive loan rates, higher savings yields, and personalized financial services while supporting local community development initiatives.

What counties does Loyalty CU serve?

We serve residents of Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson, and Duval counties.

What makes Loyalty CU different from banks?

As a member-owned credit union, we return profits to account holders through better rates and fees while maintaining community development as our core mission.

What financial education resources are available?

We provide free one-on-one financial counseling, credit improvement programs, and community workshops on budgeting and wealth-building strategies.

How do I report a lost debit card?

Reviews (6)

Write a Review

John O'Dillon

Dec 29, 2021 Report

I would like to thank the entire team at the Pensacola Central Credit Union of Florida for a great experience. Barbara MacNeil helped me first in promoting their services and special promotions and encouraged me to apply. She emailed me an application and upon completion referred me to Regina Mosley at the call center. I had several contacts with Regina which was very warm, helpful and in the end bore fruit. Regina helped to arrange a meeting with Kendall Burton from the Cordova Branch where the loan was finalized. I really felt like I was dealing with family through the entire process. Ms. Burton

Jen Genzale

Oct 28, 2021 Report

I'm a long time customer who encouraged my sons to use this location/credit union. I love the fact that they actually care about every customer and are always friendly, professional and efficient. I've dealt with several banks in my lifetime and, without a doubt, CCUFL is the best of the best. Great people, great experience.

Denise Hibbuf

Oct 16, 2021 Report

Central Credit Union is AWESOME! They care about their members and when you need them you are not just a credit score. Central helped me build my credit score up with simple easy steps. Highly recommended! Joy aka Denise Hibbuf

Samantha Brown

Oct 13, 2021 Report

I'm a new member at Central. I came in for an auto loan and my experience was amazing the process was quick and easy. With the exception of filling out the initial application and finishing paperwork everything was done remotely. Dakota Watkins was a wealth of knowledge and help and really makes sure you get a loan that will work for you and be happy with your financing. 20/10 would recommend them.

Steve Cowley

Nov 11, 2020 Report

I have been doing my banking with them for a good while now. At all the locations, everyone is so friendly and welcoming. It gives you that Cheers feel to it. Highly recommend. Plus the customer service is superb, knowledgeable, and will help you out anytime. Im extremely big on customer service. If you have terrible customer service then that establishment will not last long. CCUF yall are great! And another satisfied customer here.

Gulf Coast

Oct 29, 2020 Report

~STOP TURN AROUND~ and rethink using this bank as your main financial institution for your banking needs. The other negative reviews are not wrong! Most positive reviews are most likely from workers and their families alike. If this review stops one person from going here than taking the time to write this will be worth while. Ive deterred several newcomers to the area from making the grave mistake of coming here and I do hope everyone who reads these reviews can take the few minutes it may take to read mine.
Normally, I would highly recommend choosing a credit union over a big bank