Penair Credit Union

Pen Air Credit Union proudly serves members across Florida, delivering a full spectrum of financial services designed to empower your financial future statewide. Whether you need easy access to ATM and cash withdrawal services or basic drive-thru banking for deposits and withdrawals, Pen Air ensures convenience wherever you are in Florida. Members also benefit from seamless shared branch transactions, allowing deposits and withdrawals at partner credit unions throughout the state.
Looking to finance a vehicle? Pen Air offers competitive auto loans and flexible vehicle financing tailored to fit your budget. Homeownership is within reach with mortgage loans and refinancing options crafted to meet Floridians’ unique needs. Everyday banking is simple with personal checking and savings accounts, credit cards featuring rewarding perks, and personal loans—including debt consolidation—to help manage finances smartly.
Local businesses thrive with Pen Air’s business banking solutions, including merchant services and business loans designed to support growth across Florida. Plus, secure online and mobile banking platforms provide 24/7 access so you can manage your money anytime, anywhere.
Beyond banking, Pen Air is deeply committed to strengthening Florida communities through impactful programs that add real value to membership. Join Pen Air Credit Union today—your trusted financial partner throughout the Sunshine State.

Type of Loan Offerings

personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal loan
7.9 - 17.9 %
2 - 5 Yrs
$20,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
New Auto/Truck
4.74 % - 17.49 %
4 Yrs - 7 Yrs
Auto
New Auto/Truck
4.74 %
4 Yrs
Auto
Used Auto/Truck
4.99 % - 6.49 %
4 Yrs - 7 Yrs
Auto
Used Auto/Truck
4.99 %
4 Yrs
Auto
Used Auto/Truck
5.49 %
5.5 Yrs
Auto
New Auto/Truck
5.74 %
6.2 Yrs
Auto
Used Auto/Truck
5.99 %
6.2 Yrs

Introduction

Welcome to pen-air, where our mission is to empower our members throughout with community-focused, member-first financial services. Under the leadership of CEO Delbert Morgan and Board President Robert Jacobson, we are dedicated to fostering a supportive environment that prioritizes your financial well-being. Our commitment to innovation ensures that you enjoy modern conveniences such as electronic signature authorization (Yes), e-statements (Yes), mobile payments (Yes), a dedicated mobile app (Yes), online banking (Yes), and person-to-person payment support (Yes). We strive to make your banking experience seamless and convenient, reflecting our deep-rooted dedication to serving our members effectively. For more information, visit us at https://www.penair.org/, or feel free to reach out via fax at (850) 317-8389. Your journey towards financial empowerment begins here!

Services & Financial Solutions

At Pen Air Credit Union in Florida, we understand that managing your finances is a crucial part of daily life, and we’re here to help you every step of the way. Our personal banking services provide members with flexible options for checking and savings accounts, designed to meet the diverse needs of our community. Whether you're saving for a dream vacation or planning for future expenses, our accounts make it easy to manage your funds. With online banking and a user-friendly mobile application, accessing your account information, making transfers, or paying bills has never been simpler. Plus, features like e-statements keep your financial information organized and environmentally friendly.
For those looking to make significant purchases or investments, our loan options offer a range of solutions tailored to your specific needs. From auto loans that help you drive off in your dream car to mortgage loans for purchasing a home, we provide competitive rates and flexible terms to fit your budget. Our personal loans can assist with debt consolidation or unexpected expenses, allowing you to regain control over your finances. Additionally, business owners will find valuable support through our business banking services, including merchant services and business loans that empower them to grow and thrive. With the convenience of mobile payments and person-to-person payment options, managing everyday expenses has never been more accessible. At Pen Air Credit Union, we prioritize your financial wellness by providing innovative solutions that fit seamlessly into your lifestyle.

Why Choose Us

At Pen Air in FL, becoming a member is as simple as it gets. We prioritize your financial journey, offering an easy account opening process designed for your convenience. Whether you’re looking to join us or simply want to explore membership eligibility, you can find all the information you need at our eligibility page. At Pen Air, we value trust, community engagement, personalized service, and financial reliability. Our dedicated team is always here to guide you through your options, ensuring that your needs are met with care and attention. Plus, with our user-friendly mobile application and online banking services, managing your finances has never been easier! Compare real-time loan offers today at LendMesh and find the best rates for your needs. We also want you to feel confident about your decision; that's why performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Join us at Pen Air and experience a better way to bank!

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

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