Panhandle Credit Union Southport FL | Affordable Vehicle Loans & Top Checking

Introduction

Welcome to Panhandle Credit Union, your trusted financial partner located at 8008 Highway 77, Southport, FL 32409. Established in 1957, we have proudly served our community for over six decades, fostering a culture of trust and support among our 15,894 members. With total assets of $329,041,556 and total deposits reaching $38,502,553, we are dedicated to ensuring your financial well-being. At Panhandle Credit Union, we understand the importance of personal relationships in banking. Our team of 71 employees, led by CEO Justin Hall and Board President Herman Daniels, is committed to providing exceptional service tailored to meet your needs. Whether you're looking for auto loans or mortgages, we offer a wide array of services designed to help you achieve your financial goals. We encourage members to visit us at our branch for friendly assistance or to explore our website at www.panhandlecu.org for more information on our services. If you have any questions, feel free to reach us at 850-271-3100. We're here to help you every step of the way!

Branch History & Mission

Commitment to Accessibility

As part of our commitment to serving everyone in our community, we prioritize accessibility in all our services. Our branch is ADA compliant, ensuring that all members can comfortably navigate our facilities. Additionally, we provide digital banking solutions that allow for easy management of accounts from the convenience of home or on-the-go. For those who prefer face-to-face interactions, we offer drive-thru banking services and maintain operating hours from 8:30 AM - 5:00 PM on weekdays (with extended hours until 5:30 PM on Fridays). You can also find an ATM at our location for added convenience.

Join Us!

As we continue this journey together with you at the heart of everything we do, we invite you to become part of the Panhandle family. Experience firsthand how we can help you achieve your financial goals while supporting initiatives that benefit our local community. For more information or assistance, please call us at 850-271-3100 or visit us online at Panhandle Credit Union. Let's build a brighter future together!

Our Mission

At Panhandle Credit Union, our mission is simple yet powerful: we aim to provide accessible financial solutions that empower individuals and strengthen communities. We understand that financial health goes beyond numbers; it's about making a positive impact on people's lives. That's why we offer a range of services, from personal banking options such as checking and savings accounts to loans for vehicles and mortgages. We also provide business banking services designed to support local enterprises. Our dedication extends beyond traditional banking. We actively participate in community outreach programs, partnering with local organizations to ensure that everyone has access to essential financial education and resources. Whether it's through workshops or direct assistance, we strive to uplift those around us.

Branch Location & Accessibility

Accessibility Features

At Panhandle Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can easily access our services. We strive to create an inviting atmosphere where you can feel comfortable as you manage your finances.

Get in Touch!

Have questions or need assistance? Give us a call at 850-271-3100. Our friendly team is eager to help you navigate your financial journey. We invite you to visit us at Panhandle Credit Union today where convenience meets community!

Operating Hours

Our doors are open for you Monday through Thursday from 8:30 AM to 5:00 PM and on Fridays until 5:30 PM. If you're in need of quick transactions outside of lobby hours, don't forget that we offer a convenient drive-thru service on Fridays too!

Services Offered

We're more than just a bank; we provide a full range of financial services tailored to meet your needs. From personal banking like checking and savings accounts to auto loans and mortgage refinancing, our dedicated staff is ready to assist you every step of the way. Plus, with ATM availability on-site, accessing your funds is easy and efficient.

Member Eligibility

At Panhandle, we believe that everyone deserves a chance to be part of a supportive community where your financial needs are prioritized. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Bay County area, you're already eligible to join us. This means that whether you're looking for a new checking account, an auto loan, or just friendly advice on managing your finances, you can find it here at Panhandle. We offer personalized services designed with you in mind, making your banking experience as enjoyable as possible. Ready to take the next step? Opening an account at Panhandle is straightforward! Just visit us at our branch located at 8008 Highway 77 Southport Fl 32409, or give us a call at (850) 271-3100 for more details. For further information about eligibility and to stay updated on any changes, feel free to check out our website at . We're excited to welcome you into our family!

Business Banking & Commercial Services

At Panhandle, we understand that running a business takes more than just hard work; it requires the right financial support to thrive. That's why we offer tailored business banking and commercial services designed to meet your unique needs. Imagine having access to flexible financing options that can help you purchase new equipment, expand your operations, or manage cash flow. 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. In addition to loans, our merchant services simplify transactions for you and your customers. From accepting payments seamlessly to managing sales data, we provide tools that enhance your operational efficiency. Whether you're a startup or an established company, Panhandle is here to partner with you on your journey toward success. Visit us at 8008 Highway 77 Southport Fl 32409, Southport, FL, or call us at (850) 271-3100 to learn more about how we can help your business grow!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing solutions are tailored to help you hit the road without breaking the bank. With competitive rates and flexible terms, we ensure that financing your dream vehicle is as smooth as possible.

Business Banking

For local entrepreneurs and business owners in Southport, we offer robust business banking services including merchant services and business loans. We aim to support your growth by providing financial products tailored specifically for small businesses.

Credit Cards with Rewards

Looking for a credit card that offers more? Our credit cards come with rewards programs that let you earn points on everyday purchases. Whether it's for travel, dining out, or shopping, our rewards can add extra value back into your life.

Easy Access Services

Convenience is key at Panhandle. Our ATM services allow for easy cash withdrawals and balance checks whenever you need them. Additionally, our drive-thru service provides quick access for deposits and simple transactions without leaving your vehicle. In today's fast-paced world, managing finances should be simple and straightforward. That's why we emphasize our online and mobile banking features. With just a few clicks or taps on your smartphone, you can monitor your accounts, pay bills, and even transfer funds between accounts all from the comfort of home. If you're ready to explore these services further or have questions about how we can assist you better, don't hesitate to reach out! Call us at (850) 271-3100 or visit us at 8008 Highway 77 Southport Fl 32409 in Southport, FL. Your financial wellness is our top priority at Panhandle Credit Union!

Mortgage Loans & Refinancing

When it comes to buying a home or refinancing an existing mortgage, we understand that this is one of the most significant financial decisions you'll make. At Panhandle, our mortgage loans come with personalized support and guidance, making the process easier. We'll help you find a plan that fits your budget while securing a place you can truly call home.

Personal Banking

For those just starting their financial journey or looking to optimize their savings, our personal banking options are here to help. We offer checking and savings accounts that can fit any lifestyle. Imagine having an account that allows you to easily manage your money while earning interest on your savings. Plus, with online and mobile banking features, you can access your accounts anytime and anywhere perfect for busy schedules.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why our personal loans provide quick access to cash when you need it most. If you're juggling multiple debts, consider our debt consolidation options to streamline payments into one manageable monthly bill.

Digital & Online Banking

At Panhandle, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make your financial life easier. With 24/7 online banking, you can access your accounts anytime, anywhere, ensuring you have real-time control over your finances. One of the highlights of our digital offerings is the user-friendly online banking platform available at https://www.panhandlecu.org/ . This service allows you to manage your accounts effortlessly, from checking balances to making transfers, all within a secure environment. Plus, with electronic signature authorization, you can complete transactions quickly without the hassle of paperwork. Keeping track of your finances is simple with our e-statements feature. You can opt for paperless statements, allowing you to view your account information at your convenience while helping the environment. And if you're always on the go, don't forget about our mobile application! It offers features like mobile payments and person-to-person transfers, letting you send money to friends or family instantly no need for cash or checks. We prioritize your security as much as we do convenience. Our online banking system uses advanced security measures to protect your personal information and transactions. You can bank with confidence knowing that your data is safe with us. Whether you're paying bills or checking account balances from the comfort of your couch, our digital banking services provide easy access and peace of mind. Join us at Panhandle today and experience how our innovative online solutions can transform the way you manage your money!

Financial Strength

A Solid 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.

Growing Together

Total Share and Deposit Accounts stand at 32,438, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $0, we are well-positioned to support your needs now and into the future. 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 8008 Highway 77 Southport Fl 32409 or call (850) 271-3100 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 members' financial goals across various sectors with $2,165 in used auto loans and $194,811,319 in total loans and leases.

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. 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 $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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $43,330 in total auto loans already helping members get on the road. We provide financing for both new and used vehicles, with $10,641,038 allocated to new vehicle loans and $43,043,824 in used vehicle loans. This means you can find a loan option that fits your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $45,487,833 provide the capital needed to grow and expand your business. We understand that having access to funds is crucial for success in today's competitive market. At Panhandle Credit Union, we also provide options for refinancing if you're looking to lower your monthly payments or consolidate existing debts. Our team will work with you to determine eligibility and find the right solution based on your unique situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply or just have questions about our offerings, don't hesitate to contact us or visit our branch. We're here to help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $8,419,209. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's 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 benefits that can help you save while spending.

Loan Aggregator

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PANHANDLE CREDIT UNION - Southport, FL