Loyalty Credit Union Panama City FL | Best Auto Loans & Business Banking

Introduction

Welcome to Loyalty at 2615 Highway 77, Panama City, FL 32405, where our commitment to serving you goes beyond traditional banking. Since our establishment in 1962, we have fostered a community-focused environment dedicated to empowering our 20,850 members through accessible financial solutions. At Loyalty, we pride ourselves on having total assets of $293,903,402 and total deposits reaching $20,149,609. These figures reflect our stability and dedication to your financial well-being. Our team of 89 employees, led by our CEO Park Broome and Board President Stephanie Clapp, works diligently to provide personalized services that cater to your unique needs. Whether you're looking for an auto loan, mortgage refinancing, or simply a safe place to save your hard-earned money, we offer a range of services designed with you in mind. With a total loan portfolio exceeding 15,311 loans and leases, we are here to support your financial journey every step of the way. While members can visit us at our branch address, official correspondence should be sent to the same location: 2615 Highway 77, Panama City, FL 32405-4406. If you have questions or need assistance, don't hesitate to call us at 850-474-0970. Join us today and experience the loyalty that truly puts its members first! Visit our website at loyaltycu.org for more information or stop by for a chat. We look forward to welcoming you into our community!

Branch History & Mission

Community Impact

We are proud of our community outreach initiatives and partnerships that enrich lives across Bay County. Whether it's offering financial literacy workshops or participating in local events, Loyalty is dedicated to making a positive impact. We ensure that our facilities are ADA compliant so that everyone can access our services comfortably.

Join Us Today

As we look toward the future, we invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about its members and the community. With features like online banking, mobile payments, and shared service centers available for your convenience, Loyalty Credit Union is here for you every step of the way. For more information or to become a member today, call us at 850-474-0970 or visit our website. Let's work together towards your financial success!

Mission Statement

At Loyalty Credit Union, our mission is simple yet profound: we strive to empower our members by providing exceptional financial services while supporting the local community. We believe that everyone deserves access to reliable banking options tailored to their unique needs. Our focus extends beyond transactions; we aim to build lasting relationships based on trust and mutual respect. While members can visit us at 2615 Highway 77 for all their banking needs, official correspondence should be sent to the same address: 2615 Highway 77, Panama City, FL 32405-4406.

Our Evolution

Since opening our doors over six decades ago, Loyalty has continuously evolved to meet the changing needs of our members. Our journey began with a mission to provide affordable financial services and foster community spirit. Over the years, we have expanded our offerings, now boasting total assets of $293,903,402. This growth is a testament to our dedication to helping members achieve their financial goals through personal banking, auto loans, mortgages, and more. Our operating hours reflect our commitment to accessibility: the lobby is open Monday through Friday with varied hours on Wednesdays for your convenience. We also offer drive-thru banking from early morning until late afternoon on weekdays, ensuring that you can manage your finances without hassle.

Branch Location & Accessibility

Convenient Access and Parking

Our location offers ample parking space for all our visitors, making it hassle-free to drop by for your banking needs. We are also committed to accessibility; our branch meets ADA standards with features like ramps and designated parking spaces for those with mobility challenges. Whether you're walking in or using our drive-thru service, we make sure you have a pleasant experience.

Get in Touch!

We invite you to visit us at our Panama City branch or give us a call at 850-474-0970 if you have any questions or need assistance. Our friendly staff is here to help guide you through all your financial needs. Remember, while members can visit us at 2615 Highway 77, official correspondence should be sent to the same address for your convenience. Come see how Loyalty Credit Union can support your financial journey today!

Operating Hours Tailored for You

At Loyalty Credit Union, we understand that life can get busy. That's why we offer flexible operating hours to accommodate your schedule. Our lobby is open Monday through Tuesday, Thursday, and Friday from 8:00 AM to 4:30 PM, with extended hours on Wednesdays until 2:00 PM. If you prefer the convenience of drive-thru banking, we're here for you Monday through Thursday from 7:30 AM to 5:00 PM and Fridays until 6:00 PM.

Services Designed for Your Needs

As a member of Loyalty Credit Union, you can enjoy a wide range of services tailored just for you! From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you need cash quickly or want to manage your accounts on-the-go, we offer ATM access and online/mobile banking services that keep you connected anytime.

Member Eligibility

Becoming a member of Loyalty is like opening the door to a welcoming community that prioritizes your financial well-being. If you're interested in joining us, you'll be glad to know that our eligibility criteria are designed to be inclusive. Generally, anyone who lives, works, worships, or attends school in the area is welcome to apply. It's that simple! We believe in making banking accessible for everyone, so whether you're looking for personal banking services or planning your financial future, we're here for you. Once you're ready to take the next step, opening an account at Loyalty is a breeze. Just visit us at 2615 Highway 77 Panama City Fl 32405, or check out our website for more details on how to get started: https://loyaltycu-loan.cuapplications.org. If you have any questions or need assistance, feel free to give us a call at (850) 474-0970. For more information on eligibility and membership details, please visit https://ccufl-member.cuapplications.org. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $97,527, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable merchant services is crucial. Our solutions simplify transactions, allowing you to focus on what matters most growing your business. Imagine effortlessly accepting payments from customers while managing your finances all in one place. This not only enhances customer satisfaction but also boosts your bottom line. Visit us at 2615 Highway 77 Panama City Fl 32405 or give us a call at (850) 474-0970 to learn how we can help take your business to the next level!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans come with competitive rates and flexible terms. Whether you're purchasing a new or used vehicle, our team is here to guide you through the financing process, making it easy for you to hit the road in no time.

Business Banking

For our local entrepreneurs and businesses, we offer tailored business banking solutions including merchant services and business loans. Let us support your vision so you can focus on growing your business while we take care of the banking details.

Credit Cards with Rewards

Make every purchase count with our credit cards that offer rewards on your everyday spending. Use them for groceries, gas, or even dining out every transaction brings you closer to earning valuable rewards.

Drive-Thru & Shared Branch Transactions

Convenience is key at Loyalty. With basic drive-thru banking options for deposits and withdrawals and shared branch transactions available for partner credit union members, we're here to simplify your banking experience. As you explore these services at Panama City, remember that our friendly staff is always ready to assist you with any questions or guidance you may need. We strive to make every interaction personal and supportive. Ready to take the next step? Call us today at (850) 474-0970 or visit us in person at 2615 Highway 77 Panama City Fl 32405. Discover how easy it is to manage your finances with us!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans tailored to fit your lifestyle. If you're looking to refinance, we can help make your current mortgage more manageable or lower your monthly payments. Picture yourself in the home of your dreams with financial support from Loyalty.

Personal Banking

We offer a variety of personal banking options, including checking and savings accounts that make managing your money simple and convenient. Imagine being able to easily access your funds through our online and mobile banking platforms while enjoying features like e-statements and mobile payments. Our ATM and cash withdrawal services ensure you can get your cash whenever you need it, with access to ATMs nearby.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our personal loans can provide quick access to funds when you need them most. Additionally, if you're feeling overwhelmed by debt, consider our debt consolidation options that can simplify payments into one manageable loan, freeing up room in your budget for what truly matters.

Digital & Online Banking

Key Services

Our online banking portal at https://loyaltycu.org/ is available 24/7, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefits of e-statements, which help keep your financial information organized and easily accessible. No more waiting for paper statements in the mail! Need to send money quickly? Our person-to-person transfer feature makes it easy to send or receive money from friends and family without any hassle. Plus, if you're always on the go, our mobile application ensures that you have access to all your banking needs right from your smartphone. You can even take advantage of mobile payments, making transactions as simple as a tap on your phone.

Security and Accessibility

Security is at the forefront of what we do. With electronic signature authorization available, you can sign documents securely without needing to print anything out. Your information is protected every step of the way, giving you peace of mind while you manage your finances. Whether you're checking your account balance or making a payment, our digital banking features are designed for ease-of-use. You'll find everything intuitive and straightforward, allowing for real-time account management that fits seamlessly into your lifestyle. Experience the convenience of modern banking with Loyalty. Join us today and take control of your financial journey!

Financial Strength

At Loyalty, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Located at 2615 Highway 77, Panama City, FL 32405, we are proud to serve our community with unwavering commitment. With a net worth of $30,874,466, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.48% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $36,580,407 in share certificates and $24,478,684 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $21,981,508 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $2,803 in used auto loans and a total of $155,467,350 in loans and leases. Our operational efficiency is reflected in our current status of $0 net income, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 89 full-time employees ready to serve you with knowledgeable support. Total Share Accounts stand at 43,984, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Loyalty is your trusted partner. Visit us at 2615 Highway 77 or call us at 850-474-0970 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $46,238,200 in used vehicle loans and $13,016,536 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approval processes to ensure you get behind the wheel as soon as possible.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $97,527 provide the capital needed to grow and expand. We understand that businesses require different financing options, and we're here to support your growth ambitions with tailored lending solutions. At Loyalty, we're dedicated to making sure you have access to the best loan products available. Don't hesitate to reach out at (850) 474-0970 or visit us at our branch located at 2615 Highway 77 Panama City Fl 32405 in Panama City, FL for more information about our offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your borrowing options today and let us help you find the perfect loan solution!

Credit Lines

For those looking for additional flexibility, our credit lines amounting to $9,026,800 provide a safety net for unexpected expenses or planned purchases. This way, you can borrow what you need when you need it without having to go through an entire loan application each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,305,961, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your current mortgage, we have solutions tailored just for you.

Unsecured Credit Cards

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $14,048,923 in loans helping members manage their finances effectively. With no collateral required, our credit cards come with rewards that can benefit your spending habits.

Loan Aggregator

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