Credit union · NCUA insured
Loyalty CU
A $302.9M credit union headquartered in Pensacola, FL, with 19,143 members and 7 branches in Florida. Best rates: CDs 3.62% and savings 0.72% APY.
Loyalty CU Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#13 of 18 in Pensacola, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Loyalty CU
Loyalty Credit Union is a certified Community Development Financial Institution serving citizens of 15 Florida counties, including Escambia, Santa Rosa, Okaloosa, Bay, Leon, and Duval.
- Headquarters
- 1200 E Nine Mile Rd, Pensacola, FL 32514-1653
- NCUA charter
- 62417
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Citizens of Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson, and Duval counties are eligible for membership.
Cost to join
- Opening an account requires a $5.00 deposit into a savings account.
Branches
7 branches in Florida
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Florida
7 branches
Pensacola area · 3
- Home OfficeMain office1200 E Nine Mile Rd, Pensacola, FL 32514Directions
- Cordova4964 Bayou Blvd, Pensacola, FL 32503Directions
- W Street6200 N W St, Pensacola, FL 32505Directions
Tallahassee area · 3
- Crawfordville2190 Crawfordville Hwy, Crawfordville, FL 32327Directions
- Appleyard580 Appleyard Dr, Tallahassee, FL 32304Directions
- Capital Circle1827 Capital Cir NE, Tallahassee, FL 32308Directions
Panama City area · 1
- Panama City2615 Highway 77, Panama City, FL 32405Directions
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 | 11.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.66% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.99% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio11.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.66%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.99%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ 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 Loyalty CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.