Overview / Commentary
2718 Martin Luther King Jr Blvd
Panama City, FL 32405-4408

Panhandle Educators Federal Credit Union is headquartered in Panama City and is the 41st largest credit union in the state of Florida. It is also the 916th largest credit union in the nation. It was established in 1957 and as of December of 2018, it had grown to 49 employees and 13,503 members at 6 locations. Panhandle Educators Federal Credit Union's CD rates are 67% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in the Greater Bay, Holmes, Jackson or Washington County.
See current membership details


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Health Grade Components

NCUA #11804
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD9.93%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$247.8MM$181.0MM
LoansQ4 2018vs Q4 2017$104.3MM$99.5MM
DepositsQ4 2018vs Q4 2017$217.9MM$154.7MM
Equity CapitalQ4 2018vs Q4 2017$26.0MM$23.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.4MM$1.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$336.00K$431.00K
Real Estate OwnedQ4 2018vs Q4 2017$164.00K$183.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Panhandle Educators Federal Credit Union Savings Account Rates

0.75%--IRA Accumulation
0.15%$100-Savings Shares
0.15%--Club Accounts

Panhandle Educators Federal Credit Union Money Market Rates

0.35%*$10k*-Money Market Account
OTHER TIERS: 0.25% Up to $10k

Panhandle Educators Federal Credit Union CD Rates

2.15%--60 Month CD
1.90%--48 Month CD
1.85%--36 Month CD
1.75%--24 Month CD
1.50%--12 Month CD
0.90%--6 Month CD
0.45%--90 Day CD

Panhandle Educators Federal Credit Union IRA Rates

2.15%--60 Month IRA
1.90%--48 Month IRA
1.85%--36 Month IRA
1.75%--24 Month IRA
1.50%--12 Month IRA
0.90%--6 Month IRA
0.45%--90 Day IRA

Panhandle Educators Federal Credit Union Locations
Branch Office8008 Highway 77Southport, FL 32409
Branch Office2718 Martin Luther King Jr BlvdPanama City, FL 32405-4408
Branch Office1100 School AvePanama City, FL 32401-5040
Branch Office301 N Richard Jackson BlvdPanama City Beach, FL 32407-3680
Branch Office1912 S Highway 77Lynn Haven, FL 32444
Branch Office4295 N Highway 231Panama City, FL 32404-9749

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