Panhandle Credit Union Panama City FL | Top Auto Loans & Quick Personal Loans

Introduction

Welcome to Panhandle Credit Union, your trusted financial partner located at 2718 Martin Luther King Jr Blvd, Panama City, FL 32405. Established in 1957, we have proudly served our community for over six decades, growing alongside our members and adapting to their needs. With a total membership of 15,894 and assets totaling an impressive $329,041,556, we are committed to providing you with exceptional service and support. At Panhandle Credit Union, we understand that financial success is built on relationships. Our dedicated team of 71 employees, led by CEO Justin Hall and Board President Herman Daniels, is here to guide you through every step of your financial journey. Whether you're looking for personal banking options like checking accounts and auto loans or seeking business solutions such as merchant services and business loans, we have the tools to help you thrive. In addition to our wide array of services, including online and mobile banking, we maintain a strong commitment to our community. We're proud to offer a total loan portfolio of 6,926 loans while ensuring that our members benefit from competitive interest rates and personalized support. Our total deposits stand at $38,502,553, reflecting the trust placed in us by our valued members. While you can visit us directly at our branch location for all your banking needs, official correspondence should be sent to our mailing address: 2718 Martin Luther King Jr Blvd, Panama City, FL 32405-4408. We invite you to explore what makes Panhandle Credit Union unique. Call us today at 850-769-3306 or visit our website at Panhandle Credit Union to learn more about how we can assist you in achieving your financial goals. Your success is our priority!

Branch History & Mission

Commitment to Accessibility

We understand the importance of accessibility in today's world. That's why we offer various conveniences like online banking, mobile payments, and ATM access so you can manage your finances anytime, anywhere. For those who prefer face-to-face interactions, we are proud to provide drive-thru services during extended hours Monday through Saturday to make your experience as smooth as possible. While members can visit us at 2718 Martin Luther King Jr Blvd for all their banking needs, official correspondence should be sent to 2718 Martin Luther King Jr Blvd, Panama City, FL 32405-4408.

Join Us Today!

As we look ahead, Panhandle Credit Union remains committed to fostering a welcoming environment where everyone feels valued. We invite you to join us on this journey toward financial empowerment. Experience firsthand the benefits of membership at Panhandle Credit Union where every member matters. For more information about our services or to become a member today, call us at 850-769-3306 or visit our website at Panhandle Credit Union. Your financial future starts here!

Our Journey

Over the years, Panhandle has undergone significant transformation while staying true to its core mission: to provide accessible and affordable financial services that empower our members and uplift our community. As we navigated through the decades, we have continuously adapted to meet the evolving needs of our members. Whether it's expanding our loan offerings or enhancing our digital banking capabilities, each step has been fueled by our commitment to serve you better. We take pride in being more than just a credit union; we are your neighbors. Our headquarters in Panama City reflects our dedication to local growth and engagement. We've partnered with local organizations and schools to support initiatives that strengthen our community ties and foster economic development.

Our Mission

At Panhandle Credit Union, we believe that everyone deserves a chance at financial success. Our mission is straightforward: to offer personalized financial solutions while creating a positive impact in the lives of our members. We aim to help you navigate your financial journey whether you're saving for your first home, buying a vehicle, or managing day-to-day expenses. Our services include personal banking such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards tailored for your lifestyle. We also provide business banking options to support local entrepreneurs through merchant services and business loans.

Branch Location & Accessibility

Accessibility Features

At Panhandle Credit Union, we prioritize your comfort and convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking space for our members. Whether you're visiting for a quick transaction or need more extensive services, we strive to make your experience as smooth as possible.

Get in Touch

Ready to learn more about how we can help you? Don't hesitate to give us a call at 850-769-3306 or stop by during our operating hours. We look forward to welcoming you into the Panhandle family!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours tailored to fit your busy schedule. Our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 8:30 AM to 12:00 PM. If you're on the go, take advantage of our drive-thru banking services available during these same hours.

Services Offered

As a member of Panhandle Credit Union, you'll enjoy a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our ATM availability ensures you can access cash whenever you need it.

Member Eligibility

Becoming a member of Panhandle is like joining a warm and welcoming family that truly cares about your financial well-being. To become part of our community, you simply need to meet a few friendly eligibility requirements. Generally, if you live, work, worship, or attend school in the area around 2718 Martin Luther King Jr Blvd Panama City Fl 32405, you're likely eligible to join us. We believe that everyone deserves access to financial services that empower them to achieve their goals. You can find more specific details about our eligibility criteria by visiting this resource: . Once you're ready to take the next step, opening an account with us is straightforward and hassle-free! Our team is here to guide you through the process so that you can start enjoying the many benefits of membership at Panhandle, from competitive loan rates to personalized service. If you have any questions or want to learn more about how to become a member, feel free to call us at (850) 769-3306. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business 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

When it comes to daily operations, efficient merchant services can streamline your payment processes. Imagine accepting payments easily from customers whether they're using credit cards or mobile wallets without the hassle of complicated setups. At Panhandle, our merchant services are tailored to fit your needs, allowing you to focus more on running your business and less on transactions. Visit us at 2718 Martin Luther King Jr Blvd Panama City Fl 32405 in Panama City, FL to learn how we can help elevate your business! For any inquiries, feel free to call us at (850) 769-3306.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we understand how crucial it is to manage cash flow efficiently. Our business banking services, including merchant services and business loans, are designed to support your growth ambitions.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, and pay bills anytime from anywhere using our user-friendly app or website. Plus, with ATM and cash withdrawal services, accessing your money has never been easier whether you're at home or on the go.

Credit Cards & Rewards

Don't forget about our credit cards with rewards, designed to give back as you spend. Whether it's cash back or points towards travel, we have a card that fits your lifestyle.

Drive-Thru & ATM Services

For those who prefer face-to-face transactions but need quick service, our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions without leaving your vehicle. If you're in a hurry, our ATMs provide basic access for withdrawals and balance checks. At Panhandle, we strive to offer comprehensive financial solutions tailored just for you. For more information about any of these services or if you have specific questions regarding how we can assist you further, please don't hesitate to call us at (850) 769-3306 or visit us at Panhandle Credit Union. We look forward to serving you soon!

Personal Banking Solutions

One of our primary focuses is personal banking. We offer various checking and savings accounts that cater to different lifestyles and goals. Imagine having easy access to your funds while earning interest on your savings! Additionally, if you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help you hit the road without breaking the bank. We ensure that the loan process is smooth and straightforward, allowing you to enjoy your new ride sooner. If you're dreaming of homeownership or thinking about refinancing your current mortgage, our mortgage loans and refinancing services can guide you through the process with ease. We aim to find the best rates tailored specifically for you. For those unexpected expenses or projects, our personal loans and debt consolidation options provide flexible solutions to manage your finances effectively.

Digital & Online Banking

Convenient Payment Options

Need to send money quickly? With our person-to-person transfer feature, you can easily send funds to friends or family right from your phone or computer. Plus, if you're always on the move, take advantage of our mobile payments option to make purchases directly from your smartphone. At Panhandle, we prioritize both accessibility and security in all our digital offerings. Our systems utilize the latest security measures to keep your information safe while providing real-time account management at your fingertips. Explore all these features and more today by visiting us at https://www.panhandlecu.org/ . Experience how easy managing your finances can be with Panhandle!

User-Friendly Features

Managing your accounts has never been easier. Whether you prefer using our mobile application or accessing your account through a web browser, we provide a user-friendly experience tailored to fit your lifestyle. For those who want to go paperless, e-statements are available, allowing you to receive and review your statements electronically whenever you need them. Additionally, our electronic signature authorization feature makes it simple and secure to complete transactions without the hassle of paperwork. Just another way we help streamline your banking experience!

Financial Strength

Dedicated Team

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. Our staff is dedicated to helping you achieve your financial goals.

Focused on You

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 Member Base

Total Share Accounts: 32,438, showing a strong and growing member base that trusts us with their finances. This trust empowers us to maintain the high standards of service you've come to expect. 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 2718 Martin Luther King Jr Blvd Panama City Fl 32405 or call (850) 769-3306 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $2,165 in used auto loans and $194,811,319 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether it's buying a car or investing in a new home, we're here to help.

Member Savings Security

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. We prioritize your savings, ensuring they work hard for you.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This efficiency translates into better services for you.

Reinvestment 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 focus on improvement reflects our dedication to your satisfaction.

Solid Capital Foundation

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. This is crucial for our members' confidence in their credit union.

Strong Net Worth

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. This solid foundation ensures that we can meet your financial needs efficiently.

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 flexible terms and competitive rates to make your vehicle purchase as smooth as possible.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $45,487,833 provide the capital needed to grow and expand your operations. We aim to support local businesses and foster economic growth within our community. At Panhandle, we prioritize making financial solutions accessible and straightforward for everyone. For any inquiries about eligibility or the refinancing process, don't hesitate to reach out at (850) 769-3306. Our team is here to help guide you through each step. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Come visit us at 2718 Martin Luther King Jr Blvd Panama City Fl 32405, Panama City, FL, and let's discuss how we can assist you today!

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. We also offer refinancing options for those looking to lower their monthly payments or tap into their home's equity.

Unsecured Credit Cards

For those who want to manage everyday expenses effectively, we also offer flexible terms on unsecured credit card loans, with a total of $4,540,949 in loans helping members navigate their finances. These cards come with rewards programs that can help you get more out of every purchase.

Loan Aggregator

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Ensuring Accurate Comparisons

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PANHANDLE CREDIT UNION