Credit union · NCUA insured
Panhandle Credit Union CD Rates
Top CarrotPanhandle Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Panhandle Credit Union’s CD rates compare
Compared with banks and credit unions near Panama City, FL, where Panhandle Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Panhandle Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
Share Certificates
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Champions First Credit Union
4.30%APY
- Term
- 21 months
- Minimum
- $10,000
- Earns on $10,000
- $765
Panhandle Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Panhandle Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.75%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 24 months | 3.40% | $692 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.00% | $1,255 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 24 months | 3.40% | $692 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.00% | $1,255 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Sep 18, 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This may be incomplete or out of date, so check with the credit union before you apply.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.