Helpful information for our members


July 23, 2020

Update from Consumer Financial Protection Bureau

As you make financial decisions in tough times, it is important to understand how credit works and how your credit report can affect your choices. Your credit history can impact your ability to get a loan and how much you will be charged. It can also affect your ability to get a job or to find housing.

Due to the COVID-19 pandemic, the three national credit reporting companies are offering free weekly online credit reports through April 2021. Use the Requesting your free credit reports tool from our Your Money, Your Goals financial empowerment toolkit to get a copy of your credit reports. Then use the Reviewing your credit reports tool to make sure your credit information is correct.

If you see incorrect information in your credit report, use our Disputing errors tool. Errors can appear due to a mistake in the information provided about you or as the result of fraud or identity theft.

Read more about how to protect your credit from the impacts of the coronavirus pandemic.

Thank you,
Jill Wheeler
Office of Community Affairs
Consumer Financial Protection Bureau


July 8, 2020

Dear Members,

At Central we value your membership and want you to know you remain our top priority during this challenging time. We are continuously searching for ways to make your service convenient while looking out for your safety and the safety of our employees.

To ensure your safety and the safety of our staff:

  • We have installed germ safety shields.
  • Social distancing markers have been added.
  • We encourage frequent hand washing.
  • Hand sanitizer is provided at each location.
  • We encourage the use of masks and will provide you with one if needed.
  • We can provide you with gloves if needed.
  • Our cleaning company conducts regular deep cleanings.
  • High touch surfaces are cleaned continuously throughout the day.  

We continue to offer full service in our branches; however, for your safety and convenience, we encourage the use of our drive thru. Most requests can be handled through the drive thru. If it is necessary for you to come in the lobby, we ask that you schedule an appointment so we can assist you as efficiently as possible.

For any of your credit union needs, you may email us at or call us at 850-474-0970, Member Services - Press 4 and Loan Contact Center - Press 2. 

We have many convenient online services that you can access via your computer or smart device such as applying for a loan or E-Services which includes E-Branch Banking, Mobile Deposit, E-Statements and more.      

With over 85,000 surcharge-free ATMs you have access to your funds without paying a fee. Learn More 

We thank you for your membership and appreciate your patience as we all get through this together. 


May 22, 2020  

The health and well-being of our members and employees remains a top priority. As we prepare to reopen our lobbies, please be assured that we will operate according to health and safety guidelines as set by the State of Florida and the Centers for Disease Control. We realize the branch experience will be different, and we appreciate your understanding and kindness as we navigate how to best serve our members and communities during this unprecedented time.  


 As we reopen our lobbies, we have created new guidelines for branch activity: 

  • Staff members may wear face masks or other PPE and provide service from behind acrylic barriers.
  • Wearing masks will be encouraged. If wearing a mask when entering the credit union, you will be asked to remove your mask for a photo and then your mask should be worn at all times while in the credit union.  
  • We will have limited lobby occupancy that reflects social distancing guidelines.
  • Branches will have posted guidelines for social distancing and ways to protect others while sneezing or coughing.
  • Hand sanitizer and masks will be available for members at all branches.
  • Floor signs will be installed to direct members on where to walk and wait for service.
  • Common areas, such as coffee or water stations will not be available to members for now.
  • Surfaces within each branch will be sanitized after each use and sanitized throughout the day. 
  • Scheduling an appointment for lobby services is encouraged. 
  • Members are strongly encouraged to limit visits only to those whose presence is necessary for a transaction. We encourage drive thru service if possible.    
  • Young children must be accompanied by an adult at all times.              


It is our mission to “serve the needs of our members beyond their expectations” and we are committed to doing our best to adhere to this mission while keeping our members and employees safe.  

We have many convenient E-Services available to provide access to your finances via your computer or smart devices.  Additionally, with over 85,000 surcharge-free ATMs you have access to your funds without paying a fee.  Learn more


April 13, 2020

Stimulus Checks

The Federal Government has started issuing stimulus checks to qualified households via direct deposit or treasury checks from the IRS.

No action is required by most people at this time. Direct deposits will be based on your most recent tax return. If you did not use direct deposit on your most recent filing, a treasury check will be mailed to you OR you can set up direct deposit on the IRS website when the option becomes available.

To find out more about your Stimulus Check or other helpful resources go to the Internal Revenue Service


Be Aware of Coronavirus Tax Scams

Scammers are using COVID-19 messages to scam people.   Learn More 

The Treasury Inspector General has established a dedicated page where people can report coronavirus related tax scams.

If you do find yourself victim to what appears to be a scam, you can report it directly to the federal government here by filling out a short online form.

The website also has helpful information for taxpayers to ensure people don’t fall victim to scams, such as:

  • The IRS will generally first contact people by mail — not by phone — about-tax related matters.
  • If the IRS does contact you by telephone, they will not insist on any pre-payment in order for you to receive economic impact payments.
  • The IRS will also never request personal or financial information by e-mail, text, letters, or any social media.


Please contact us at 850-474-0970 or email us at if we can be of assistance.

Stay safe.  


April 10, 2020

Thank you for understanding as we’ve made adjustments to protect the health and safety of you, our members, as well as our staff and others in our community.  We know that these are challenging times for many families and that so much has changed in all aspects of our lives over the past few weeks.  Know that we remain committed to serve your needs beyond your expectations.

While we’re doing our part to help slow the spread of COVID-19, we know that concerns around the virus continue to be at the forefront of everyone’s mind.  We will remain diligent in evaluating information provided at the local as well as national level to guide our strategies for ensuring that your financial needs are met.  This is a difficult time economically.  If you need help, please reach out to our team.  We have options available to help you through this.

Please stay safe, healthy and keep in touch.


April 1, 2020

Small Business Disaster Loan Resources

We currently do not offer SBA (Small Business Administration) loans. 

To find out more go to: 

Other Ways to Help Our Members

COVID-19 undoubtedly is impacting every member’s life in unexpected ways.  As you begin to adjust, know that we are here to work with you whether you need forgiveness of fees, a credit limit increase or to skip-a-payment for existing loans.  Having a hardship?  We can help with our Lend a Hand loan. Our other loan services continue to be available.  You can reach us at (850) 474-0970; (800) 375-2235 or email us at . To apply for a loan click here.


While face-to-face interaction between our members and our staff has changed, please know that we have many services to manage and access your account online or through our Mobile App.  To find out more go to E-Services. 

Member Services

We can still serve your needs at our drive thru locations or by phone at 850-474-0970 or 800-375-2235, or you may  email us at . To find an available Shared Branching location go to the Shared Branching locator. 


March 25, 2020

As an essential service provider, Central remains open to serve your financial needs.  We are operating as business as usual with minor adjustments to our lobbies.  The Cordova branch is now serving members only through the drive thru.  At this time, lobby access is not available at the Cordova branch and the Downtown branch.  Please call ahead to schedule an appointment with the W Street staff, Home Office staff, or Panama City staff  if your needs can only be met in person.  Thank you for being patient with us as we adapt to best meeting your needs while remaining vigilant in protecting the health and safety of members and staff.


Despite the market volatility caused by COVID-19, as a member of Central Credit Union, you can feel confident that your money is safe and secure, and that we have cash on hand to meet your needs.  Your funds on deposit are insured up to $250,000 by the National Credit Union Administration (NCUA).  Central also insures its members’ deposits for an additional $250,000 with Excess Share Insurance.  We are a strong, secure credit union and we are positioned to successfully weather this crisis. 


COVID-19 undoubtedly is impacting every member’s life in unexpected ways.  As you begin to make adjustments, know that we are here to work with you whether you need forgiveness of fees, a credit limit increase, a skip-a-payment for existing loans, or a lend-a-hand hardship loan.  You can reach us at (850) 474-0970; (800) 375-2235 or to apply for a loan


While face to face interaction between our members and our staff has changed a bit, what hasn’t changed is our commitment to our members to work through this crisis with you.  We continue to constantly review the latest information from the Centers for Disease Control and Prevention, World Health Organization, the Governor of the state of Florida as well as local officials.  We will keep you updated as any changes to our plans become necessary.


March 20, 2020

We are suspending service at our Downtown branch located at 308 North Spring Street effective Monday, March 23, 2020.  All transactions possible may be conducted through our drive-thrus at all other Central Credit Union branches.  Members in the downtown area may also visit My Pensacola Credit Union at 108 South Reus Street to conduct shared branching transactions.

Member Service and Loan representatives are available to assist with your needs at (850) 474-0970 during normal business hours.


March 18, 2020

Dear Members,

As with any potential economic disruption, Central Credit Union of Florida is here and ready to serve your financial needs.

With the threat of the quickly spreading Coronavirus (COVID-19), our Management Team and Board of Directors is closely monitoring the situation and following guidance from federal, state and local agencies.  We are taking all precautions where possible to keep our offices free from contamination and prevent the spread of the virus.   

Central Credit Union’s offices will remain open as long as we are able to safely serve our members.  In the event that in-person operations are affected, you should know that we have a plan in place which will allow our processing operations to continue.  If you find that you are unable to visit a branch or you are hesitant due to potential of exposure to the virus, we remind you that you can access your account via:

  • E-Branch and Mobile Banking for balance information, transfers, check deposits, bill payments
  • Access By Phone System
    • (850) 479-4295
    • (800) 375-2235 option 3
  • Call Center Mon – Fri, 8 am – 4:30 pm
    • (850) 474-0970
    • (800) 375-2235
  • ATMs  

We understand that in times like this, economic disruptions may have profound impacts on our members’ financial lives.  Every person’s story is different and we pride ourselves on listening to Your Story and helping you through an unexpected situation.  Please know that we will work with you, and together, we will get through this.


C. Dwelle

Serving Members Since 1962

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