Credit union · NCUA insured
Panhandle Credit Union Auto Loan Rates
Top CarrotPanhandle Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 15, 2026.
How Panhandle Credit Union’s auto loan rates compare
Compared with banks and credit unions near Panama City, FL, where Panhandle Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Panhandle Credit Union
3.99%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
New & Used Vehicles
Lowest rate
Innovations Financial Credit Union
2.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
Panhandle Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Panhandle Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Vehicles
Autos up to 10 years old. Financing up to 125%. Pre-Approved Loan Draft makes shopping for a vehicle easy. Low, fixed rates. Rates, terms, and conditions subject to change and may vary based on creditworthiness and qualifications.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 3.99%–18.00% | Autos up to 10 years old. Financing up to 125%. Terms up to 84 months. |
Sources (2)
All captured Oct 7, 2026
Who can join Panhandle Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.