Personal Loans · Panama City, Florida
4 credit unions in Panama City report personal loan rates to the NCUA. Rates range from 10.99% to 15.75%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
10.99%
Lowest Rate
13.30%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | TYNDALL ★ 4.6 · 868 reviews | 10.99% | 11.49% |
| 2 | PANHANDLE ★ 4.0 · 69 reviews | 11.50% | 9.90% |
| 3 | HELLO ★ 3.9 · 74 reviews | 14.96% | 12.29% |
| 4 | INNOVATIONS FINANCIAL ★ 3.5 · 32 reviews | 15.75% | 8.50% |
If you have high-rate credit card balances, a personal loan from a Panama City credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.