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PEFCU logo containing an owl with a graduation cap sitting on a branch Panhandle Educators Federal Credit Union Serving Bay, Holmes, Jackson and Washington Counties of NW FL

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Membership is open to anyone who lives, works, worships or attends school in the Greater Bay, Holmes, Jackson or Washington Counties.

The advantages of membership in Panhandle Educators FCU are many, including
24/7 online banking, a 24/7 loan application site, and 24/7 cash access at ATMs (a list of free ATMs is included on this website under “Locations & ATMs”)

We are a member-owned, not-for-profit, cooperative financial institution formed to permit our membership to pool their savings, lend to one another, and own the organization where they can save, borrow, and obtain related financial services & products.  We exist to serve our member-owners with favorable rates on savings, investments and competitively priced, low interest rates on loans.

So Join Us and
Experience the Panhandle Difference!


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