Credit union · NCUA insured
Panhandle Credit Union Savings Rates
Top CarrotPanhandle Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Panhandle Credit Union’s savings 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
0.80%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $80
Money Market
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Panhandle Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.80%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.80%APY
Minimum balance of $1,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $9,999 | 0.75% | — |
| $10,000 – $24,999 | 0.80% | $80 |
| $25,000 – $49,999 | 1.00% | — |
| $50,000 – $99,999 | 1.25% | — |
| $100,000 – $249,999 | 1.25% | — |
| $250,000 and up | 2.25% | — |
Sources (2)
All captured Sep 18, 2026
Main Share
0.05%APY
A membership savings account establishes credit union membership. Requires maintaining a minimum balance of $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $100Applies if average daily balance is over $100.Over $100 | 0.05% | $5 | Applies if average daily balance is over $100. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Rising Tide Youth Share
0.05%APY
Youth savings account with no minimum age limit to open. One Rising Tide account per child. Co-applicants (parents, grandparents, guardians, etc.) must open and maintain a separate membership share.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier applies to balances from $5 to $1,000. | 10.00% | — | Tier applies to balances from $5 to $1,000. |
| Over $1,000Tier applies to balances $1,000.01 and over. | 0.05% | $5 | Tier applies to balances $1,000.01 and over. |
Sources (3)
- panhandlecu.org/rising-tide-youth-account
- panhandlecu.org/products/savings-accounts
- panhandlecu.org/rates/deposit-rates
All captured Sep 18, 2026
Holiday Club
0.05%APY
Systematically save for special occasions or holidays.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.