Established in 1936, pen-air has been a cornerstone of financial empowerment and community service for nearly a century. Headquartered in the vibrant city of Pensacola, FL, we pride ourselves on our commitment to providing exceptional financial services tailored to the needs of our members, including military personnel and their families. Under the leadership of CEO Delbert Morgan and Board President Robert Jacobson, our mission is to foster a sense of trust and accessibility, ensuring every member feels valued and supported in their financial journey.

As a federally insured institution by the NCUA since 1/4/1971 0:00, we offer a comprehensive suite of modern banking tools designed to enhance convenience and security. Our members enjoy seamless access to online banking, a user-friendly mobile application, person-to-person transfers, e-statements, mobile payments, and electronic signature authorization. With total assets exceeding $2.6 billion and a strong focus on member-first service, we are dedicated to helping our community achieve their financial goals. To learn more about us or explore our offerings, visit our official website at https://www.penair.org/ or reach out via fax at (850) 317-8389.

At pen-air, we understand that financial needs vary from person to person, which is why we offer a comprehensive suite of services designed to empower our members in managing their everyday banking, planning for significant life milestones, or growing their small businesses. Our personal banking solutions include checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, as well as personal loans for debt consolidation. Additionally, we provide business banking services that encompass merchant services and business loans tailored to meet the unique demands of entrepreneurs. With our commitment to enhancing your banking experience, we also offer rewards credit cards that add extra value to your spending.

In today’s fast-paced digital world, convenience is key. That’s why pen-air ensures you have easy access to your finances through robust online banking and a user-friendly mobile application. With features like person-to-person transfers, mobile payments, e-statements, and e-signatures available at your fingertips, managing your finances has never been simpler or more efficient. Our digital tools not only help you stay on top of your daily transactions but also provide seamless solutions for budgeting and planning ahead. To find out if you qualify for membership with us, please visit https://www.penair.org/personal/membership-benefits/. And if you're considering a new loan or want to compare rates, check out https://www.lendmesh.com/loans/mortgage_loans for more information. Should you have any questions or need personalized assistance, feel free to reach us at (850) 317-8389—we're here to support you every step of the way.

As a cornerstone of the community, pen-air has established itself as a trusted and valuable financial partner since its inception in 1936. With a robust Total Membership of 129,385, we pride ourselves on serving our members with dedication and integrity. Our Total Assets stand at an impressive 2,684,526,238, reflecting our stability and commitment to responsible financial management.

In terms of financial strength, our Net Worth is a testament to our resilience, currently sitting at 307,557,404. This solid foundation allows us to provide competitive products and services that meet the diverse needs of our members. Despite challenges faced in the financial landscape, we maintain a positive Net Income of 0, underscoring our operational efficiency and prudent management practices.

Our members trust us with their savings, as shown by our substantial Total Deposits of 388,913,557. We are equally committed to providing access to capital; with Total Loans and Leases reaching 69,577, we support individual aspirations and business growth alike. Our team of dedicated professionals—numbering Total Employees at 385—is always ready to assist you in achieving your financial goals.

The strength of our organization is further highlighted by a commendable Net Worth Ratio of 1,141, which showcases our ability to manage assets effectively while minimizing risk. Additionally, we proudly offer a range of lending options, including Credit Card Loan Volume totaling 12,893 and an impressive Auto Loan Volume of 46,614. For businesses, we also cater to various needs with Commercial Loans totaling 208, ensuring that every member can find the right solution for their financial journey.

At pen-air, transparency is paramount. We invite you to explore how we can enhance your financial well-being while enjoying the benefits of being part of a community-focused institution. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov.

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