The Panhandle Credit Union All Credit Levels is a cdfi lender from Panhandle Credit Union. The ongoing APR is 9.9% APR*. Rewards: Earn rewards even faster by using your PCU Credit Card as your card on file for your Amazon and PayPal purchases, your utility bills, etc.. This product reports activity to your personal credit report. Panhandle Credit Union is a community-focused credit union located in Panama City, FL, offering a range of financial services to its members. They serve individuals and families in the local community, providing various lending options including auto loans, home loans, personal loans, and business loans. Services include: auto loans, home loans, personal loans, business loans. US Treasury certified CDFI Credit Union in Panama City, FL. Membership required.