Panhandle Educators Federal Credit Union

Avadian Credit Union, one of Alabama's oldest credit unions, is dedicated to putting the interests of its members first by providing a range of financial services, including personal and business banking, loans, and investment products. With a strong commitment to member support and security, Avadian offers tools that empower individuals and businesses to manage their finances effectively. In addition to traditional banking services, Avadian Credit Union emphasizes community outreach and development, fostering a culture of involvement and support within its member base. The credit union also offers educational resources and fraud prevention initiatives, ensuring that members can confidently navigate their financial journeys. Generated from the website

Bay Credit Union, started as International Paper Employees Federal Credit Union in 1952, provides financial services to more than 9,700 members. Located in Panama City, Fla., the company offers home mortgages, consumer loans, VISA credit cards, checking accounts, VISA debit cards, loan protection products and financial centers. Its services include overdraft privileges, direct deposit, payroll deduction and any hour lending. Bay Credit Union is a member of the National Credit Union Administration (NCUA) and is an Equal Housing Lender.