Credit union · NCUA insured
Panhandle Credit Union
Top CarrotA $363.7M credit union headquartered in Panama City, FL, with 16,238 members and 7 branches in Florida. Best rates: CDs 3.75% and savings 0.80% APY.
Panhandle Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#4 of 14 in Panama City, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Panhandle Credit Union
Panhandle Credit Union is a credit union located in Panama City, Florida, holding a 5-star rating by Bauer Financial.
The credit union serves individuals who live, work, worship, or attend school in Bay, Calhoun, Gulf, Holmes, Jackson, Walton, and Washington Counties in Florida.
- Headquarters
- 2718 Martin Luther King Jr Blvd, Panama City, FL 32405-4408
- NCUA charter
- 68720
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school in Bay, Calhoun, Gulf, Holmes, Jackson, Walton, or Washington Counties in Florida.
Family and household
- Membership is available to family members of a current Panhandle Credit Union member.
Branches
7 branches in Florida
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Florida
7 branches
- Panhandle Credit UnionMain office2718 Martin Luther King Jr Blvd, Panama City, FL 32405Directions
- Panhandle Credit Union1912 S Highway 77, Lynn Haven, FL 32444Directions
- Panhandle Credit Union2724 Martin Luther King Jr Blvd, Panama City, FL 32405Directions
- Panhandle Credit Union1100 School Ave, Panama City, FL 32401Directions
- Panhandle Credit Union4295 N Highway 231, Panama City, FL 32404Directions
- Panhandle Credit Union301 N Richard Jackson Blvd, Panama City Beach, FL 32407Directions
- Panhandle Credit Union8008 Highway 77, Southport, FL 32409Directions
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 | 13.46% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.27% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $66 | $76 | — |
- CapitalNet worth ratio13.46%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.27%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$66Peers’ 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 Panhandle Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.