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

Introduction

Welcome to Panhandle Credit Union, your trusted partner in financial success since 1957. Located at 1100 School Ave, Panama City, FL 32401, we pride ourselves on delivering personalized banking solutions tailored to meet the needs of our community. With a strong commitment to our members, we currently serve over 15,894 satisfied customers and boast total assets of $329,041,556. At Panhandle Credit Union, we understand that your financial journey is unique. That's why our diverse range of services from checking and savings accounts to auto loans and personal loans are designed with you in mind. Whether you're looking to buy a new car or consolidate debt, our dedicated team is here to guide you every step of the way. Led by CEO Justin Hall and Board President Herman Daniels, our experienced leadership ensures that we remain focused on what matters most: you. We also have a fantastic team of 71 employees ready to assist you during our lobby hours from Monday to Saturday. While members can visit us at our branch for all your banking needs, official correspondence should be sent to 1100 School Ave, Panama City, FL 32401-5040. For any questions or assistance, feel free to reach out at 850-769-2351 or explore more about us at panhandlecu.org. Join us at Panhandle Credit Union where your financial aspirations become reality! Come visit us today and discover how we can help you achieve your goals.

Branch History & Mission

Community Focus

Our commitment extends beyond banking; it's about building a stronger community. We actively participate in local outreach efforts and partnerships that make a real difference in the lives of those around us. Whether it's sponsoring events or collaborating with local organizations, we believe that supporting our community is as vital as offering competitive financial products.

Modern Services and Accessibility

In line with modern banking needs, Panhandle Credit Union embraces technology while ensuring compliance with accessibility standards. Our branch offers drive-thru service for convenience and provides various digital solutions like online banking and mobile payments to help members manage their finances easily. As your trusted financial partner located in Bay County, we invite you to experience the advantages of membership at Panhandle Credit Union. Join us today and become part of a community-focused organization dedicated to helping you succeed financially! For more information or assistance, feel free to reach out at 850-769-2351 during our operating hours: Lobby M-F from 8:30 AM - 5:00 PM; Drive-Thru Mon - Thurs from 8:30 AM - 5:00 PM; Friday until 5:30 PM; Saturday until 12:00 PM. Together, let's build a brighter financial future!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Located near local schools and parks, our branch is not just a place for banking; it's part of the community. We offer accessible parking and are compliant with ADA standards, ensuring that everyone can reach us comfortably. If you're coming by car, you'll find ample parking available right outside our doors.

Operating Hours and Services

We know your time is valuable. That's why we're open Monday through Friday from 8:30 AM to 5:00 PM, with extended hours until 5:30 PM on Fridays. On Saturdays, stop by between 8:30 AM and noon for all your banking needs. For those who prefer a more convenient option, we offer drive-thru banking during these hours as well! At Panhandle Credit Union, we pride ourselves on providing a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, with online and mobile banking services available, managing your finances has never been easier.

Visit Us Today!

Ready to take control of your finances? Our friendly staff is eager to assist you with all your banking needs. Give us a call at 850-769-2351 or drop by our branch at 1100 School Ave in Panama City. We look forward to welcoming you into the Panhandle Credit Union family!

Member Eligibility

Becoming a member of Panhandle feels like joining a close-knit family where everyone is committed to supporting each other's financial journeys. If you live, work, worship, or attend school in Bay County, you're already on your way to enjoying the benefits of membership! At Panhandle, we believe that everyone deserves access to personalized banking services tailored just for them. To learn more about the specific eligibility details and find out if you qualify, feel free to check out our resource at . Opening an account is simple and straightforward. You can get started by visiting us at our friendly location: 1100 School Ave Panama City Fl 32401. Our team is always ready to help you every step of the way. If you have questions or need assistance, don't hesitate to give us a call at (850) 769-2351. Together, let's build a brighter financial future!

Business Banking & Commercial Services

Commercial Loan Options

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

In addition to loans, our merchant services simplify payment processing for your business. Imagine having the ability to accept payments seamlessly from your customers, whether they prefer credit cards or mobile wallets. This not only enhances customer satisfaction but also helps streamline your operations. Visit us at 1100 School Ave Panama City Fl 32401 in Panama City, FL, or give us a call at (850) 769-2351 to learn how we can support your business journey today!

Comprehensive List Of Services

Business Banking Services

At Panhandle, we also understand the unique challenges businesses face. Our business banking services, including merchant services and business loans, empower local entrepreneurs to grow their ventures. Whether you need funds for expansion or efficient payment processing solutions, we're here to support your journey.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that give you access to your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. For quick transactions on the go, utilize our ATM and cash withdrawal services or take advantage of our basic drive-thru banking for deposits, withdrawals, and other simple transactions all designed with your busy life in mind.

Get in Touch

We invite you to visit us at 1100 School Ave Panama City Fl 32401, or give us a call at (850) 769-2351 to learn more about how we can assist you with all your financial needs. Our friendly staff is eager to help you explore our full suite of services tailored just for you. Join the community at Panhandle Credit Union, where your financial wellbeing is our top priority!

Personal Banking Solutions

When it comes to managing your day-to-day finances, our personal banking services are tailored to help you thrive. We offer checking and savings accounts that cater to various lifestyles and spending habits. For those considering a new vehicle, our auto loans and vehicle financing options make it easier than ever to drive away in the car of your dreams. If homeownership is on your mind, our mortgage loans and refinancing services provide flexible terms and competitive rates. For individuals needing extra cash, our personal loans and debt consolidation solutions can help lighten the load and streamline your finances. Plus, our credit cards with rewards allow you to earn while you spend, giving you more value for every purchase.

Digital & Online Banking

Accessibility and Real-Time Management

We understand that life can get busy, which is why our digital services are designed to fit into your lifestyle. You can manage your accounts anytime from anywhere, giving you real-time control over your finances. Whether you're making a quick payment or checking your balance during lunch, everything is right there in the palm of your hand. At Panhandle, we strive to make banking as effortless as possible so you can focus on what matters most to you. If you have any questions about our digital banking services or how to get started, don't hesitate to reach out!

Key Features

Security is a top priority for us at Panhandle. Our electronic signature authorization makes it easy for you to sign documents securely without the need for physical paperwork. You'll also appreciate the availability of e-statements, which allow you to view your account statements online rather than waiting for them to arrive in the mail helping both the environment and your peace of mind. For those who enjoy using their smartphones, our mobile application offers a range of features, including mobile payments and person-to-person transfers. Need to send money to a friend? Just a few taps on your phone will do the trick!

Financial Strength

Commitment to Growth and Innovation

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. Our lending capacity is robust, with $2,165 in used auto loans and $194,811,319 in total loans and leases supporting your financial aspirations across various sectors.

Member-Centric Savings

Your 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. 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0. This allows 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.

Solid Financial Health

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.

Strong Community Presence

Total Share Accounts: 32,438, showing a strong and growing member base that trusts us with their finances. We believe that our strength comes from the community we serve. 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 1100 School Ave Panama City Fl 32401 or call (850) 769-2351 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 $43,043,824 in used vehicle loans and $10,641,038 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier than ever to drive away with your dream car.

Business Loans

For business owners, our outstanding commercial loans totaling $45,487,833 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for an existing business, we have tailored solutions that can fit your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,419,209, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your existing mortgage, our knowledgeable team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans, we encourage you to talk to us about eligibility options. We are dedicated to finding ways for you to save money and improve your financial situation. Feel free to visit us at our branch located at 1100 School Ave Panama City Fl 32401 in Panama City, FL or give us a call at (850) 769-2351. Our team is ready to assist you with any questions you may have regarding our loan 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. Let's work together to help you reach your financial aspirations!

Unsecured Credit Card Loans

Managing daily expenses can sometimes be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $4,540,949 in loans helping members manage their finances effectively, our credit cards come with rewards and no annual fees, making them an excellent choice for everyday spending.

Loan Aggregator

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PANHANDLE CREDIT UNION