Credit union · NCUA insured
Panhandle Federal Credit Union
A $63M credit union headquartered in Wellington, KS, with 3,905 members and 3 branches in Kansas. Best rates: CDs 3.55% APY.
Panhandle Federal Credit Union Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#2 of 8 in Arkansas City, KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Panhandle Federal Credit Union
Panhandle Federal Credit Union was founded in October 1957 by a group of employees from the Atchison, Topeka, and Santa Fe Railroad.
In June 2018, Panhandle Federal Credit Union merged with William Newton Memorial Hospital Credit Union in Winfield, Kansas.
The credit union operates as the only full-service credit union in Sumner County.
- Headquarters
- 403 N Washington Ave, Wellington, KS 67152
- NCUA charter
- 12033
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This may be incomplete or out of date, so check with the credit union before you apply.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 Sumner, Cowley, Chautauqua, or Elk Counties.
Employers and groups
- Membership is open to healthcare employees in Butler County.
Family and household
- Membership is open to families of healthcare employees in Butler County.
Branches
3 branches in Kansas
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Kansas
3 branches
Arkansas City area · 2
- Panhandle Federal Credit Union (Winfield Branch)1515 E 9th Ave, Winfield, KS 67156Directions
- WNH Branch1300 E 5th Ave, Winfield, KS 67156Directions
Wichita area · 1
- Panhandle Federal Credit UnionMain office403 N Washington Ave, Wellington, KS 67152Directions
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 | 16.53% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.19% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio16.53%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.19%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.