Panhandle Credit Union Panama City Beach FL | Affordable Vehicle Loans & Low Mortgage Rates

Introduction

Welcome to Panhandle Credit Union, where we are dedicated to serving our community and providing financial solutions tailored to your needs. Located at 301 N Richard Jackson Blvd, Panama City Beach, FL 32407, our branch has been a trusted partner for members since 1957. With a strong commitment to fostering financial well-being, we proudly support over 15,894 members in their journey toward achieving their financial goals. At Panhandle Credit Union, our total assets stand at an impressive $329,041,556, reflecting our stability and reliability in today's financial landscape. We offer a wide array of services from personal banking options such as checking and savings accounts to various loan products that cater to both individuals and businesses. Currently, we manage $38,502,553 in deposits and have extended loans amounting to 6,926, ensuring that we can meet the diverse needs of our community. Our leadership team is dedicated to upholding the highest standards of service. Under the guidance of CEO Justin Hall and Board President Herman Daniels, we strive to create an environment where every member feels valued and supported. Our friendly staff of 71 employees is always ready to assist you with any inquiries you may have just give us a call at 850-230-4319. While members can visit us at our branch location, official correspondence should be sent to the same address: 301 N Richard Jackson Blvd, Panama City Beach, FL 32407-3680. We invite you to explore our website at Panhandle Credit Union for more information on our services or how you can join our thriving credit union family. Join us today and discover the difference that personalized service can make in your financial journey!

Branch History & Mission

Commitment to Innovation

As part of our growth strategy, we have embraced digital advancements to enhance member experience. With features like online banking, mobile payments, and electronic statements, we make it easier than ever for you to manage your finances on your terms. Our branch is also ADA compliant and equipped with an ATM for added convenience.

Join Us!

Panhandle Credit Union is not just a place for transactions; it's a hub where you can build lasting relationships and find support for your financial journey. We invite you to experience the benefits of membership our friendly staff is ready to assist you! For any inquiries or assistance, feel free to reach out at 850-230-4319. Join us today and become part of a community-focused credit union that puts you first!

Our Mission

Our mission at Panhandle Credit Union is simple yet profound: we strive to provide exceptional financial services while fostering a strong sense of community. We understand that every member's story is unique. That's why we offer a range of personalized solutions from checking and savings accounts to auto loans and mortgage refinancing all designed to help you achieve your financial goals. We are dedicated to supporting our community through various outreach initiatives. Whether it's partnering with local schools or participating in community events, we believe in giving back and uplifting those around us. Our commitment extends beyond just banking; it includes helping our neighbors thrive.

Branch Location & Accessibility

Accessibility and Features

At Panhandle Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots to ensure everyone can access our services with ease. Plus, we have a drive-thru banking option that allows for quick and convenient transactions without having to leave your car.

Operating Hours

We understand that life can be busy, which is why we're open during flexible hours to serve you better. Visit us Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and on Saturday from 8:30 AM to 12:00 PM. Whether you need help with personal banking services or want to discuss auto loans or mortgages, our friendly staff is here to assist you during these hours.

Services Offered

At Panhandle Credit Union, we offer a variety of services tailored to meet your needs. From checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards there's something for everyone! We also provide online and mobile banking options for your convenience. And if you're in need of cash, you'll find an ATM available right on-site. While members can visit us at our branch location for any inquiries or transactions, official correspondence should be sent to our mailing address at 301 N Richard Jackson Blvd, Panama City Beach, FL 32407-3680. Feel free to give us a call at 850-230-4319 if you have any questions or need assistance before your visit. We're excited to welcome you into our community!

Member Eligibility

At Panhandle, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and opens the door to numerous benefits tailored just for you! To qualify, you typically need to live, work, worship, or attend school in our service area. This means if you're part of our vibrant community here in Panama City Beach, you're likely eligible to join us! We value each member and are committed to providing personalized services that help you achieve your financial goals. To get started with your membership journey at Panhandle, simply visit us at 301 N Richard Jackson Blvd Panama City Beach Fl 32407 or give us a call at (850) 230-4319. We're excited to help you open an account and explore all the fantastic opportunities available to our members. For more details on eligibility requirements, feel free to check out our website here. We can't wait to welcome you into the Panhandle family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $131 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $45,487,833, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to loans, we offer practical merchant services tailored for your daily operations. Imagine seamlessly processing payments while keeping track of your sales all from one easy-to-use platform. This means less time worrying about transactions and more time focusing on what you love: growing your business. Whether you're looking for funding or efficient payment solutions, Panhandle is here to support your journey at every step. Visit us at 301 N Richard Jackson Blvd Panama City Beach Fl 32407 in Panama City Beach, FL, or call us at (850) 230-4319 to learn more!

Comprehensive List Of Services

Business Banking Support

For local businesses, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans. If you're looking to expand your business or need capital for startup costs, we're here to help with flexible financing options.

Cash Withdrawal Services

When it comes to accessing cash, our ATM & Cash Withdrawal Services ensure that you can get what you need quickly and efficiently. Plus, if you prefer face-to-face interactions, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car. At Panhandle, we're dedicated to making banking simple and accessible for everyone in the community. If you have any questions or would like more information about any of our services, feel free to call us at (850) 230-4319 or visit us at our branch location in Panama City Beach, FL. We're here to help!

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features. Manage your accounts from the comfort of your home or while on the go. With services like mobile payments and person-to-person transfers, handling your finances has never been easier.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards! You can earn points on everyday purchases that can be redeemed for travel, gifts, or cash back. It's an excellent way to make your spending work for you.

Home Financing Solutions

Looking to buy a home? Our Mortgage Loans & Refinancing services are here to guide you through the process. With options for first-time buyers as well as those looking to refinance their current mortgage, we simplify what can often be a complicated journey.

Personal Banking Services

Starting with our Personal Banking options, we provide various Checking & Savings Accounts designed to help you manage your money effectively. Imagine having an account that not only keeps your funds safe but also allows you to earn interest over time. Our accounts come with features like online banking and mobile access so that you can check your balance or make transfers anytime, anywhere. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing services can help make that happen. We offer competitive rates and flexible terms to fit your budget. You can easily apply online or visit us at our branch for personalized assistance.

Personal Lending Options

For those unexpected expenses, our Personal Loans & Debt Consolidation services provide quick access to funds when you need them most. Whether it's consolidating debt or covering emergency costs, we work with you to find the best solution tailored to your financial situation.

Digital & Online Banking

Key Features

One of the standout features of our digital banking experience is electronic signature authorization. This means you can sign documents electronically, saving time and hassle while keeping everything secure. Additionally, we provide e-statements for quick access to your account information without the clutter of paper statements helping you go green! If you're looking for a convenient way to make payments, our mobile payments feature lets you send money quickly through your smartphone. Plus, with our mobile application, available for both Android and iOS devices, you'll have all these features right at your fingertips. Need to send money to friends or family? Our person-to-person transfer option makes it simple and fast! Just a few taps on your phone and the funds are transferred directly no cash needed. At Panhandle, we're dedicated to making your banking experience as smooth as possible while ensuring that your personal information remains protected. Embrace the freedom of real-time account management with our comprehensive digital banking services!

Financial Strength

Focused Resources

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.

Growing Membership Trust

Total Share and Deposit Accounts: 32,438, showing a strong and growing member base that trusts us with their finances. This community of satisfied members is what drives us to succeed. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Panhandle is your trusted partner. Visit us at 301 N Richard Jackson Blvd Panama City Beach Fl 32407 or call (850) 230-4319 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.

Member-Centric Savings

Members' savings are secured through $68,771,436 in share certificates and $34,497,968 in money market shares, offering stable and rewarding financial growth opportunities. This reflects our commitment to helping you grow your wealth safely.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 68 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Better Services

With $42,158,071 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This means you can trust that we're always looking for ways to improve your experience with us.

Solid Financial Foundation

With a net worth of $42,905,062, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,301 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $2,165 in used auto loans and $194,811,319 in total loans and leases. Whether you're looking to buy a car or finance other needs, we're here for you.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $43,304,330 in total auto loans, which includes $10,641,038 in new vehicle loans and $43,043,824 in used vehicle loans. This support has enabled many members to get on the road with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $45,487,833 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or cover operational costs, we have solutions that fit your business needs. At Panhandle, we're committed to providing personalized service and expert advice so you can make informed financial decisions. For more information about our loan products or to discuss which option might be best for you, please contact us at 850-230-4319 or visit us at 301 N Richard Jackson Blvd Panama City Beach FL 32407. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $4,540,949 helping members manage their finances effectively. These cards can be an excellent tool for making everyday purchases while enjoying rewards and benefits tailored to enhance your spending power.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $8,419,209. If you're considering refinancing your current mortgage or exploring eligibility options for a new one, our team is here to guide you through every step of the process.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means that all offers you see are fair and transparent. Each listing reflects the most current rates and terms, allowing you to trust that you are viewing accurate information.

PANHANDLE CREDIT UNION - Panama City Beach, FL