Banking Rates & News

Panama City Area

Including Apalachicola, Blountstown, Bonifay, Bristol, Callaway, Carrabelle, Chipley, De Funiak Springs, Defuniak Springs, Eastpoint, and 16 other towns.

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Popular Local Bank & Credit Union Branches

Banking in the Panama City Area

Once known as "Park Resort," Panama City lives up to that name. Boasting over 25 miles of white sandy beaches and two Florida State Parks, it's easy to see how it could be viewed as the ideal get-away. But for those of us that call Panama City our home, life isn't always just a day at the beach.

Fortunately, there are about 4 banks and 10 credit unions located in the area, with almost 200 branches, providing many options for people who want to build a life here. The oldest financial institution in the area is Emerald Coast Federal Credit Union, which was established in 1939. Other notable credit unions are the Tyndall Federal Credit Union, Innovations Federal Credit Union, and Panhandle Educators Federal Credit Union. For those who prefer a traditional bank, options include the First National Bank Northwest Florida and Summit Bank.

Whether you live in Panama City, Panama City Beach, Lynn Haven, Chipley, or any of the other beautiful cities in the region, you have a wide variety of financial institutions to choose from.

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Local Deals & News

No Early Withdrawal Fee On Certificates. (COVID-19 Response)
NFCU Response to COVID-19 includes: "No early withdrawal fee on certificates. We understand you might need access to your savings, so we’ll be waiving penalties for early withdrawals on certificates."
Rate Cuts And Curve Flattening
NFCU has cut rates on CDs (no surprise). The yields have flattened. The differential between a 3-yr and 7-yr is but a modest 4bps (1.76 vs. 1.8). Still and all,
Navy FCU - CD Specials For Regular And IRA With Add-On Still Available This Morning (3/3/20)
With the Fed rate cut of 0.5% in response to Coronavirus effects, these special CDs with Add-On (17-month up to $75k, 37-month IRA up to $150k) from Navy FCU may
First Commerce Credit Union Adds 13-Month Triple Option Promo CD
UPDATE 3/2/2020: No longer available. Deal Summary: 13-month Triple Option Promo CD, 2.50% APY, $1k minimum deposit, one rate bump-up, one additional deposit, and one penalty-free withdrawal. Availability: Only available
Navy Federal Adds 17-month CD Special With Add-Ons
Deal Summary: 17-month Share Certificate Special, 2.25% APY, $50 minimum/$75k maximum deposit, additional deposits up to $75k. Availability: Nationwide, but restricted to those with a military relationship. As DA reader,
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