At a glance
From its website, read 2 Nov 2026Loyalty CU is a credit union based in Pensacola, Florida. Its website describes auto loans, credit-builder loans, small-dollar emergency loans and 2 other loan types. Where it lends: Fifteen Florida counties in the Pensacola, Panhandle and Jacksonville area, including Duval. Consumer loan APRs stated on its site range from 4.47% to 7.25%. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (850) 474-0970 source |
|---|---|
| Website | loyaltycu.org |
| Office (official list) | 1200 E Nine Mile Rd, Pensacola, FL 32514 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: 7% APR | 7.00% Fixed APR* | source |
| Loans (general) | Rate: 7.25% APR | 7.25% Fixed APR* | source |
| Auto / vehicle loans | Rate: from 4.47% APR | 4.47% APR | source |
| Loans (general) | Term: up to 15 yr | 15-year repayment term. | source |
| Auto / vehicle loans | Term: up to 7 yr | We offer terms up to 84 months. | source |
| Home mortgages | Term: see their wording | Terms up to 30 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
For applicants with a credit score below 650, standard underwriting criteria applies
source - Membership required
Membership required, i.e., the purchase of one share at $5 par value.
source - First-time homebuyer program
First-time home buyer options
source - No or thin credit history considered
No Credit Check
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 27 Apr 2023 |
| RSSD ID | 669498 |
| Address | 1200 E Nine Mile Rd, Pensacola, FL 32514 Directions (Google Maps) |
| Website | loyaltycu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan rate tables on the loan rates page show blank values, so product rates are not stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Your next auto loan doesn’t start with a payment. It starts with a sigh of relief. | source |
| Credit-builder loans | — | Whether you need a personal loan or an auto loan, My First Loan may be what you are looking for. | source |
| Small-dollar / emergency loans | — | providing immediate access to funds when facing unexpected expenses or emergencies | source |
| Home mortgages | — | Whether you're in the market to purchase a new home or want to refinance your current mortgage, we have a variety of products and services | source |
| Personal / consumer loans | — | a Personal Loan from Loyalty Credit Union can help! | source |
Loan sizes
Service area
Fifteen Florida counties in the Pensacola, Panhandle and Jacksonville area, including Duval
Loyalty CU serves Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson and Duval county citizens.
source
Borrower focus
- First-time homebuyers
First-time home buyer options
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3 million in 3 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2021 | CDFI Rapid Response Program | $1,500,000 |
| 2020 | CDFI Program, Financial Assistance | $650,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as LOYALTY (charter 62417). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $300.3 million (as of 30 Jun 2026) |
|---|---|
| Members | 18,797 (as of 30 Jun 2026) |
| Offices | 7 (as of 30 Jun 2026) |
Offices by state and county (7)
Florida (7 offices)
- Bay County (1): 2615 Highway 77, Panama City 32405
- Escambia County (3): 1200 E Nine Mile Rd, Pensacola 32514 (main office); 4964 Bayou Blvd, Pensacola 32503; 6200 N W St, Pensacola 32505
- Leon County (2): 1827 Capital Cir NE, Tallahassee 32308; 580 Appleyard Dr, Tallahassee 32304
- Wakulla County (1): 2190 Crawfordville Hwy, Crawfordville 32327
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Loyalty CU (NCUA charter 62417, filed as “LOYALTY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $167.2 million, 14,122 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 7.2% from $155.9 million on 30 Jun 2025 |
| Members | 18,797 (as of 30 Jun 2026); 20,040 (as of 30 Jun 2025) |
| Loans per member | $8,893 (total loans divided by members, 30 Jun 2026) |
| Total assets | $300.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $12.1 million | 7.2% |
| Used vehicle loans | $44.7 million | 26.7% |
| First-lien home mortgages (1-4 family) | $41.4 million | 24.7% |
| Other real estate loans (junior liens, other) | $15.2 million | 9.1% |
| Commercial (business) loans | $25.1 million | 15.0% |
| Credit cards | $12.7 million | 7.6% |
| Other unsecured loans | $10.8 million | 6.5% |
| Leases and other secured loans | $5.2 million | 3.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Loyalty CU reported 13 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $2M (median loan about $155,000).
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Refinance (incl. 6 cash-out) | 7 | 54% |
| Other purpose | 5 | 38% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 13 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 6 counties with at least one; 92% of its 2025 loans were for properties in Florida:
- Escambia County, FL (6)
- Santa Rosa County, FL (3)
Filed under LEI 549300FDNZSDIZP9N063 as “HOME OFFICE”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $300.3 million | Larger than 32% of the 19 other certified credit unions in Florida (median $493.9 million). |
| Loans as a share of assets | 56% | Median of the same 19 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $155.9 million → $167.2 million (+7%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 15 → 15. |
| Home loans originated in 2025 (HMDA) | 13 | More than 2% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 32% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 15 → 15 of 20 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 2% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Pensacola and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
- Calhoun Liberty Credit UnionCredit union · Blountstown, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Central County Community Development CorporationLoan fund · Fort Lauderdale, FLSmall-business loansVerified
Work at Loyalty CU? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.