Financial Institutions

Local credit Union now serving Calhoun, Liberty, Franklin, Gulf, Gadsen and Jackson Counties.

Full service banking, mortgage services, and investments. Drive through and ATM. Open Monday-Thursday 9:00 am-4:00, 9:00 am-5:00 pm Friday. Drive through open Monday-Thursday 8:30 - 4:30pm, Friday 8:30am-5:00 pm. Branches in Apalachicola and Carrabelle.

Centennial Bank is a customer focused bank that provides a broad range of commercial and retail banking along with other related financial services to businesses, investors, individuals and municipalities. With over 30 locations to serve you along the Gulf Coast you can dance the night away or relax with your toes in the sand knowing we'll be there for you - even while you're on vacation! Download our FREE mobile app (www.my100bank.com) for a complete list of locations at your fingertips. We continue our banks' tradition of being a good corporate neighbor and serving our customers personally, professionally and locally under the Centennial Bank name. Thank you for your support and patronage over the years, and we look forward to serving your banking needs for years to come. Please visit www.homebancshares.com for more information on investor relations

The Emerald Coast Federal Credit Union is a full-service financial cooperative, dedicated to serving its membership by offering checking and savings accounts, loans, mortgages, credit cards, IRAs and CDs, consumer loans and online banking. Originally chartered in 1939 as St. Joe Papermakers Federal Credit Union to serve the employees and their families of the local paper mill, and became Emerald Coast Federal Credit Union in 1998, serving Gulf County and the City of Mexico Beach. In 2012 we expanded our field of membership into Franklin County.

Centennial Bank is a customer focused bank that provides a broad range of commercial and retail banking along with other related financial services to businesses, investors, individuals and municipalities. With over 30 locations to serve you along the Gulf Coast you can dance the night away or relax with your toes in the sand knowing we'll be there for you - even while you're on vacation! Download our FREE mobile app (www.my100bank.com) for a complete list of locations at your fingertips. We continue our banks' tradition of being a good corporate neighbor and serving our customers personally, professionally and locally under the Centennial Bank name. Thank you for your support and patronage over the years, and we look forward to serving your banking needs for years to come. Please visit www.homebancshares.com for more information on investor relations

Founded in 1897, Apalachicola State Bank is Florida's 3rd oldest bank. In 2010 we merge with Centennial Bank. We have served Franklin County for more than 110 years. We have four offices in Franklin County to serve our customers. We operate under the name Centennial Bank. We are proud of our history and proud to play an active role in the community's future.