Panhandle Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

panhandlecu.org

850-769-3306

2718 Martin Luther King Jr Blvd
Panama City, FL 32405

Panhandle Credit Union is headquartered in Panama City and is the 43^rd largest credit union in the state of Florida. It is also the 976^th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 75 employees and 15,928 members at 7 locations. Panhandle Credit Union has an A+ health rating.

Field of Membership Restrictions

Panhandle Credit Union membership is open to those who live, work, worship, or attend school in the Florida counties of Bay, Calhoun, Gulf, Holmes, Jackson, Walton, or Washington. Family members of a current Panhandle Credit Union member are also eligible to join.
See current membership details

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68720
Year Chartered	1957
Employees	75
Primary Regulator

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	5.35%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$333.2MM$314.6MM
Loans	Q1 2025vs Q1 2024	$196.3MM$190.8MM
Deposits	Q1 2025vs Q1 2024	$288.9MM$272.9MM
Equity Capital	Q1 2025vs Q1 2024	$42.2MM$38.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.1MM$2.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$697K$573K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Panhandle Credit Union are currently being reviewed.

Locations

Panhandle Credit Union Locations
Branch Office	8008 Highway 77	Southport, FL 32409
Branch Office	2718 Martin Luther King Jr Blvd	Panama City, FL 32405-4408
Branch Office	1100 School Ave	Panama City, FL 32401-5040
Branch Office	301 N Richard Jackson Blvd	Panama City Beach, FL 32407-3680
Branch Office	1912 S Highway 77	Lynn Haven, FL 32444
Branch Office	4295 N Highway 231	Panama City, FL 32404-9749
Branch Office	2724 Martin Luther King Jr Blvd	Panama City, FL 32405

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