Credit union · NCUA insured
Hello Credit Union
A $159.3M credit union headquartered in Panama City, FL, with 10,738 members and 4 branches in Florida. Best rates: CDs 3.25% and savings 0.15% APY.
Hello Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#11 of 14 in Panama City, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hello Credit Union
Established in 1952 as International Paper Employees Federal Credit Union and headquartered in Panama City, Florida, Hello Credit Union merged with FLAG Credit Union in 2022.
The member-owned financial cooperative operates five physical locations and serves members across the state of Florida.
- Headquarters
- 601 N Highway 231, Panama City, FL 32405-4705
- NCUA charter
- 63262
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Bay, Gulf, Jackson, Walton, Washington, Leon, Gadsden, or Wakulla County, Florida.
Employers and groups
- Membership is open to members of the Florida Agriculture Museum and the Friends of Florida State Forests, Inc.
- Membership is open to employees of select employer groups in Leon County, FL.
Military, government and schools
- Membership is open to employees or retirees of the Florida Department of Agriculture and Consumer Services (FDACS).
Family and household
- Membership is open to family members of current members.
Branches
4 branches in Florida
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Florida
4 branches
Panama City area · 3
- Main OfficeMain office601 N Highway 231, Panama City, FL 32405Directions
- Callaway Office103 S Tyndall Pkwy, Panama City, FL 32404Directions
- Beach Office7713 Front Beach Rd, Panama City Beach, FL 32407Directions
Tallahassee area · 1
- Tallahassee Office3115 Conner Blvd, Tallahassee, FL 32311Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.35% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.41% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $74 | $76 | — |
- CapitalNet worth ratio14.35%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.41%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$74Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Hello Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.