Panhandle Credit Union Panama City FL | Cheap Mortgage Refinance & Business Banking

Introduction

Our Commitment to You

Led by CEO Justin Hall and Board President Herman Daniels, our dedicated team of 71 employees is here to provide personalized service tailored to your needs. We take pride in fostering relationships built on trust and reliability. Whether you need assistance with personal banking services like checking accounts or loans, or business banking solutions, we are here for you every step of the way. While you can reach us directly at 850-769-3306, we also invite you to explore our services online at www.panhandlecu.org. For any official correspondence, please note that our mailing address is slightly different: 2718 Martin Luther King Jr Blvd, Panama City, FL 32405. At Panhandle Credit Union, we're more than just a financial institution; we're a community committed to making a positive impact in the lives of our members. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Commitment to Innovation

As technology continues to advance, so do we. At Panhandle Credit Union, we offer modern conveniences like online and mobile banking services that allow our members to manage their finances on-the-go. We also prioritize accessibility with ADA-compliant facilities and digital platforms designed for ease of use. Our operating hours are Monday through Friday from 8:30 AM to 5:00 PM. While we currently do not have ATM or drive-thru service available at this branch location, our dedicated team is always ready to assist you with your banking needs in person or over the phone at 850-769-3306.

Join Us Today!

Whether you're looking for personal banking solutions or business services such as merchant accounts and loans, Panhandle Credit Union is here for you. Experience the difference of being part of a member-focused cooperative where your needs come first. We invite you to join us and be a part of our growing family together, let's achieve great things!

Our Mission

At Panhandle Credit Union, our mission is simple yet powerful: to empower our members through accessible financial solutions while fostering a sense of community and support. We believe that everyone deserves the chance to achieve their financial goals. From personal banking services like checking and savings accounts to auto loans and mortgage refinancing, we strive to provide a comprehensive range of products designed for every stage of life. Our commitment goes beyond just offering financial products; we aim to make a positive impact in Panama City and its surrounding areas. Through partnerships with local organizations and community outreach initiatives, we work tirelessly to enhance the lives of those we serve.

Branch Location & Accessibility

Connect With Us

Have questions or want more information? Don't hesitate to reach out! You can give us a call at 850-769-3306. We look forward to welcoming you at Panhandle Credit Union soon!

Nearby Landmarks and Accessibility Features

Situated near notable landmarks like the Panama City Mall and the Bay County Public Library, Panhandle Credit Union is nestled in a vibrant community that's easy to navigate. Ample parking is available right outside our doors, and our branch is equipped with ADA-compliant features to ensure everyone can access our services comfortably.

Operating Hours

We understand that your time is valuable. That's why we're here for you Monday through Friday from 8:30 AM to 5:00 PM. Whether you need to open an account, apply for a loan, or simply ask a question, our friendly staff is ready to assist you during these hours.

Services Offered

At Panhandle Credit Union, we offer a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed for every financial situation. Additionally, our online and mobile banking options provide you with flexibility and convenience whenever you need it. While we currently do not have ATM services or drive-thru banking available at this location, we are committed to providing personalized service inside the branch.

Member Eligibility

Becoming a member of Panhandle means joining a caring community that prioritizes your financial well-being. If you live, work, or worship in the area around our branch at 2724 Martin Luther King Jr Blvd Panama City Fl 32405, you're likely eligible to become part of our family! We welcome individuals who share our values and are looking for a supportive banking experience. By choosing Panhandle, you not only gain access to a range of financial products but also enjoy personalized service and community-focused initiatives that make banking feel more personal. The process to join us is straightforward and inviting just reach out via phone at (850) 769-3306 for guidance or visit us in person. You can also find additional details on eligibility criteria by visiting our website at . We're excited to help you take this step toward becoming a valued member of Panhandle!

Business Banking & Commercial Services

At Panhandle, we understand the unique challenges that business owners face. That's why we offer tailored business banking and commercial services designed to support your growth and success. Imagine walking into your favorite local café, knowing that our financing helped them expand their seating area or invest in new equipment. 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. Additionally, our merchant services streamline transactions so you can focus on what matters most serving your customers. From processing payments to managing cash flow, we provide the tools that help you thrive in a competitive marketplace. Visit us at 2724 Martin Luther King Jr Blvd Panama City Fl 32405 in Panama City, FL or call us at (850) 769-3306 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

Convenient Digital Banking Solutions

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills from your phone, we've got you covered. Plus, enjoy features like person-to-person payments for easy transactions with friends and family.

Financial Flexibility When You Need It

Life can throw unexpected expenses your way, which is why we provide personal loans and debt consolidation options. Whether it's covering medical bills or consolidating existing debts into one manageable payment, our loans give you the flexibility to handle life's surprises with ease.

Helping You Own Your Home

For those looking to purchase or refinance a home, we offer comprehensive mortgage loans tailored to fit your budget. Buying a home is one of the biggest decisions you'll ever make, and we're here to guide you through every step of the process. Our mortgage specialists will help you find the best loan option for your unique situation.

Personal Banking Made Simple

Managing your finances can be overwhelming, but it doesn't have to be. Our personal banking services include checking and savings accounts that help you organize your money effectively. Whether you're saving for a vacation or managing daily expenses, our accounts are user-friendly and equipped with tools to help you track your spending. If you're considering a new vehicle, our auto loans and vehicle financing options make getting behind the wheel easier than ever. With competitive rates and flexible terms, you can drive off in your dream car without breaking the bank.

Rewards That Matter

Our credit cards with rewards are designed to benefit everyday spending. Earn points on purchases that can be redeemed for travel, merchandise, or cashback making every swipe count toward something special.

Supporting Local Businesses

At Panhandle, we understand the importance of local businesses in our community. That's why we offer specialized business banking services, including merchant services and business loans. Our aim is to empower entrepreneurs with the financial tools they need to succeed and grow their businesses.

We're Here for You

With our commitment to exceptional service and a variety of financial solutions at your fingertips, we invite you to visit us at 2724 Martin Luther King Jr Blvd Panama City Fl 32405 or call us at (850) 769-3306. Explore how Panhandle can help simplify your financial life today!

Digital & Online Banking

Key Features

Our mobile application enhances your banking experience even further. With just a few taps on your smartphone, you can make person-to-person transfers, allowing you to send money to friends or family quickly and securely. If you're on the go, our mobile payments feature makes it easy to pay for purchases without needing cash or cards. Security is a top priority for us at Panhandle. Our electronic signature authorization ensures that your documents are signed safely online. Plus, our e-statements give you quick access to your financial information while helping you keep paper clutter to a minimum. Managing your accounts in real-time means that you can stay informed about your finances without any hassle. Whether you're checking your latest transactions or setting up alerts for important account activity, we've got you covered. With all these user-friendly features at Panhandle, we're committed to making banking not just easy but also secure and efficient. Experience the future of banking today!

Financial Strength

Growing Community Trust

Total Share Accounts stand at 32,438, showcasing a strong and growing member base that trusts us with their finances. This trust is vital as it allows us to continually enhance our offerings while maintaining stability within our credit union. 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 2724 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.

Member-Centric Savings Options

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. 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, which 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 who ensure that our branches are always ready to serve you with a knowledgeable, committed team.

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. Our lending capacity supports your financial goals with $2,165 in used auto loans and a total of $194,811,319 in loans and leases available.

Strong 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.

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 for both new and used vehicles, ensuring you can find the right fit for your budget. If you're considering refinancing your current auto loan, we also have options available that could lower your monthly payments.

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 looking to enhance an existing one, we're here to help facilitate your business goals. At Panhandle, our mission is to empower our members through tailored financial solutions that make sense for them. You can reach us at (850) 769-3306 if you have questions about any of our loan products or would like more information on eligibility options. 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 2724 Martin Luther King Jr Blvd Panama City Fl 32405 in Panama City, FL, where our friendly team is ready to assist you!

Credit Lines and Unsecured Credit Cards

For those needing extra financial flexibility, we offer competitive lines of credit totaling $92,244,750, allowing you to access funds as needed without the hassle of applying for a new loan each time. Additionally, we provide unsecured credit card loans with a total of $4,540,949 helping members manage their finances effectively while enjoying rewards and benefits.

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 work closely with you to ensure you understand your options and find a solution that fits your lifestyle.

Loan Aggregator

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PANHANDLE CREDIT UNION