--- title: "Panhandle Credit Union Rates (Nov 2026): CDs to 3.75%" description: "Panhandle Credit Union rates today: savings & CDs up to 3.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Panhandle Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/panhandle" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Panhandle Credit Union Rates (Nov 2026): CDs to 3.75% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Autos** auto_any_84mo | — APR | 3.990% | 84 mo · any | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 3.990% | 84 mo | Standard | | **Auto Loan** auto | — APR | 9.900% | — | Standard | Panhandle Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Lifestyle Loan** personal | — APR | 7.100% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 9.300% | — | Standard | | **Credit Builder Loan** personal | — APR | 14.700% | — | Standard | Panhandle Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Money Market ($100,000–$249,999)** money_market | 1.25% APY | 1.24% | — | Standard | | **Money Market ($50,000–$99,999)** money_market | 1.25% APY | 1.24% | — | Standard | | **Money Market ($250,000+)** money_market | 2.25% APY | 2.23% | — | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 2.75% APY | 2.72% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 2.75% APY | 2.72% | 60 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.00% APY | 2.96% | 48 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 3.00% APY | 2.96% | 48 mo | Standard | | **90-Day Certificate** share_certificate | 3.25% APY | 3.20% | — | Standard | | **90-Day IRA Certificate** ira_cd | 3.25% APY | 3.20% | — | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 3.25% APY | 3.20% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.25% APY | 3.20% | 36 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.40% APY | 3.35% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.40% APY | 3.35% | 24 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.50% APY | 3.44% | 6 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 3.50% APY | 3.44% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | Panhandle Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **First-Chance Loan** other | — % | 12.700% | — | Standard | Panhandle Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/panhandle) , verified from [Panhandle Credit Union's official website](https://www.panhandlecu.org/) Loading branch locator… ## About Panhandle Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 16.2K Assets $363.7M Founded 1957 Locations reported 7 NCUA charter 68720 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Champions First** Panama City · Panama City · FL · 32405 Branch in the same ZIP](https://rateapi.dev/credit-unions/florida/champions-first) [**Innovations Financial** Innovations FCU-West 23RD · Panama City · FL · 32405-3919 About 0.7 miles away](https://rateapi.dev/credit-unions/florida/innovations-financial) [**First Commerce** Stanford Centre Panama City Financial Center · Panama City · FL · 32405-3689 About 0.8 miles away](https://rateapi.dev/credit-unions/florida/first-commerce) [**Loyalty** Panama City · Panama City · FL · 32405-4406 About 1.2 miles away](https://rateapi.dev/credit-unions/florida/loyalty) [**Tyndall** Panama City · Panama City · FL · 32405-5312 About 1.5 miles away](https://rateapi.dev/credit-unions/florida/tyndall) [**Hello** Main Office · Panama City · FL · 32405-4705 About 1.6 miles away](https://rateapi.dev/credit-unions/florida/hello) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Panhandle Credit Union Membership eligibility from Panhandle Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Panhandle Credit Union's website. Check the membership page below to confirm whether you qualify. - Location bay, calhoun, gulf, holmes, jackson, walton, washington — FL Verified from [Panhandle Credit Union's membership page](https://www.panhandlecu.org/join-us) . Final membership determination is always made by the credit union. ## Membership rules for Panhandle Credit Union Geography 7 counties · Family 2 30 published paths to membership, last verified August 27, 2026, quoted from Panhandle Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Bay County, FL - Calhoun County, FL - Gulf County, FL - Holmes County, FL - Jackson County, FL - Walton County, FL - Washington County, FL “Membership is open to anyone who lives, works, worships, or attends school in Bay, Calhoun, Gulf, Holmes, Jackson, Walton, or Washington Counties in Florida.” > [source ↗](https://www.panhandlecu.org/join-us) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “You may also be eligible for membership if you are a family member of a current PCU member.” > [source ↗](https://www.panhandlecu.org/join-us) - Family member of a member - Family of a member family “You may also be eligible for membership if you are a family member of a current PCU member.” > [source ↗](https://www.panhandlecu.org/join-us) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Panhandle Credit Union? Yes No ## Work at Panhandle Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Panhandle Credit Union ranks against Florida peers. - See which AI assistants fetched Panhandle Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=panhandle&state=florida&code=FL&name=Panhandle%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Panhandle Credit Union offer? Panhandle Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Panhandle Credit Union rates updated? RateAPI verifies Panhandle Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Panhandle Credit Union's rate data? Rate data is collected directly from Panhandle Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Panhandle Credit Union's best CD rate? As of November 12, 2026, Panhandle Credit Union offers savings and certificate (CD) yields up to 3.75% APY. ### Who can join Panhandle Credit Union? Panhandle Credit Union publishes its membership criteria on its own website. RateAPI tracks 30 published membership paths covering 7 counties for Panhandle Credit Union, each quoted from Panhandle Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Panhandle Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.panhandlecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Panhandle Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Panhandle Credit Union curl "https://api.rateapi.dev/credit-unions/florida /panhandle " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Panhandle Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/panhandle Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp