Credit union · NCUA insured
Panhandle Credit Union Credit Card Rates
Top CarrotPanhandle Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Panhandle Credit Union’s credit card rates compare
Compared with banks and credit unions near Panama City, FL, where Panhandle Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Panhandle Credit Union
9.90%APR
- Up to
- —
Visa Platinum
Lowest rate
Innovations Financial Credit Union
7.50%APR
- Up to
- 16.75% APR
2nd-lowest rate
Community South Credit Union
7.90%APR
- Up to
- —
Panhandle Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50% | None | — |
Sources (1)
- panhandlecu.org/products/visa-credit · captured Oct 7, 2026
Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | — |
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This may be incomplete or out of date, so check with the credit union before you apply.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.