☰

Home›
Credit Unions›
Panhandle Federal Credit Union

iAdvertiser Disclosure

Panhandle Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Panhandle Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 18, 2026

You can compare Panhandle Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.80%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 3.80%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.92%. All these rates can be compared to Panhandle Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Panhandle Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.78%. Rates were last updated on 05/18/2026.

Panhandle Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Panhandle Federal Credit Union? Share your experience about Panhandle Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Panhandle Federal Credit Union.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.78%

Excellent Lower than avg

Panhandle Federal Credit Union
Panhandle Federal Credit Union

403 N Washington Ave
Wellington, KS 67152

https://www.panhandlefcu.com

Current Rate Availability

We do not have Panhandle Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Panhandle Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Panhandle Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Panhandle Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Panhandle Federal Credit Union

Website https://www.panhandlefcu.com

Address 403 N Washington Ave, Wellington, KS 67152

Phone 620-326-2285

Fax 620-326-3156

President Steve Meeker

CEO Danny Crittenden

Full-Time Employees 18

Part-Time Employees 0

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.78%

Return on Assets (ROA)

0.0693%

Return on Equity (ROE)

0.4132%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

62,164,704

Total Amount of Shares and Deposits

52,638,939

Total Shares and Deposits < 1 Year

50,599,919

Total Shares and Deposits 1 3 Years

1,252,639

Total Shares and Deposits > 3 Years

786,380

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,028,568

Total Uninsured Shares and Deposits > $250K (F+J)

2,028,568

Total Insured Shares and Deposits > $250K (item 17 less item K)

50,610,371

Total Interest Expense (Sum of items 6 8)

440,648

Share Certificates

284

Number of Accounts for Share Drafts

2,429

IRA KEOGH Accounts

174

Number of Accounts for Regular Shares

3,843

All other shares

453

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,286,831

Total Liabilities

51,757,515

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Panhandle Federal Credit Union earned the Exceptional Health badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/panhandle-federal-credit-union-rates-review-12033">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
       alt="MonitorBankRates Exceptional Health Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Panhandle Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Panhandle Federal Credit Union

Frequently Asked Questions About Panhandle Federal Credit Union

How many branches does Panhandle Federal Credit Union operate?

Panhandle Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Panhandle Federal Credit Union?

Yes, to access services at Panhandle Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Panhandle Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Panhandle Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Panhandle Federal Credit Union offer online and mobile banking?

Most modern institutions like Panhandle Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.panhandlefcu.com.