Pen Air Credit Union Gulf Breeze FL: Affordable Auto Loans & Online Banking

Introduction

Welcome to Pen Air, your trusted financial partner located at 3591 Gulf Breeze Pkwy, Gulf Breeze, FL 32563. Established in 1936, we have proudly served our community for decades, growing alongside our members and meeting their evolving financial needs. With a total membership of 129,385 and total assets exceeding $2.68 billion, we are dedicated to providing a wide array of services tailored just for you. At Pen Air, we understand that banking is not just about numbers; it's about people and relationships. That's why we offer personalized banking solutions including checking and savings accounts, auto loans, mortgages, and business loans. Our team of 385 employees, led by CEO Delbert Morgan and Board President Robert Jacobson, is committed to ensuring that you receive the best support possible. While members can visit us at our branch in Gulf Breeze, official correspondence should be sent to our mailing address: 1495 E Nine Mile Rd, Pensacola, FL 32514. We pride ourselves on being accessible; feel free to reach out to us at 850-505-3200 or explore our services online at penair.org. With total deposits amounting to $388,913,557 and a net worth of $307,557,404, we are here to provide stability and growth for your financial future. Whether you're looking for personal banking options or business solutions, Pen Air is ready to assist you every step of the way. Join us today and discover how Pen Air can help you achieve your financial goals!

Branch History & Mission

Join Us

We invite you to experience the benefits of membership at Pen Air. As a member-owned credit union, your voice matters here. Come visit us at our Gulf Breeze location or explore more about what we offer by visiting Pen Air's website. Together, let's build a stronger community while achieving your financial goals! If you have any questions or need assistance, don't hesitate to call us at 850-505-3200. We look forward to welcoming you!

Our Journey

Located at 3591 Gulf Breeze Pkwy, Gulf Breeze, FL 32563, our branch has evolved significantly over the decades. From our humble beginnings, we have adapted to meet the changing needs of our members while maintaining a focus on personal service and community involvement. Our dedicated team is here to provide essential financial services such as checking and savings accounts, auto loans, mortgages, and business banking solutions. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 1495 E Nine Mile Rd, Pensacola, FL 32514. We understand that convenience is key; that's why we offer a variety of services including ATM access and drive-thru banking. Our lobby hours are Monday through Friday from 9 AM to 5 PM, with extended drive-thru hours from 8 AM to 6 PM on weekdays and Saturday from 9 AM to 1 PM.

Our Mission

At Pen Air, our mission is clear: to provide exceptional financial services while enhancing the lives of our members through active community engagement. We believe that banking goes beyond transactions; it's about building lasting relationships based on trust and mutual benefit. Whether you need assistance with personal loans or want to explore mortgage refinancing options, we are here for you every step of the way. We take pride in being an ADA-compliant facility that ensures all individuals can access our services comfortably. Furthermore, our commitment extends beyond banking; we actively participate in community outreach programs and form partnerships with local organizations to uplift those around us.

Branch Location & Accessibility

Connect With Us

We invite you to come by and see what makes Pen Air special! Our friendly team is eager to help with any questions or needs you may have. You can reach us at 850-505-3200 if you'd like to learn more before your visit. Experience hassle-free banking at its best stop by today!

Convenient Access

Getting to us is straightforward! Our location offers ample parking and is designed with accessibility in mind, ensuring that everyone can visit us comfortably. We also feature ADA-compliant ramps, making it easy for all members to enter our building.

Operating Hours

At Pen Air, we understand that convenience is key. That's why our lobby hours are tailored to fit your busy schedule: we're open Monday through Friday from 9 AM to 5 PM. If you prefer drive-thru services, we're here for you Monday through Friday from 8 AM to 6 PM and Saturday from 9 AM to 1 PM. Whether you need to deposit a check or ask about loan options, we're ready to assist you.

Services Tailored for You

We pride ourselves on offering a wide range of services including personal banking accounts, auto loans, mortgages, and much more. For those who prefer self-service options, enjoy our ATM access available right at the branch. Plus, if you're a member of another participating credit union, you can take advantage of our shared service center for basic transactions.

Member Eligibility

At Pen Air, we believe that everyone deserves a chance to be part of a caring community. Joining us is easy and welcoming, and we're excited to share how you can become a member! If you live, work, or worship in the areas we serve, or if you have family who are already members, you're likely eligible to join. We focus on creating a supportive environment for our members, providing not just banking services but also personal connections that make your financial journey smoother. To get started, simply visit us at our branch located at 3591 Gulf Breeze Pkwy Gulf Breeze Fl 32563 or give us a call at (850) 505-3200. For more detailed information about eligibility requirements, check out this resource: Membership Benefits. When you're ready to open an account, our easy online application is available here: Open an Account. We look forward to welcoming you into the Pen Air family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Beyond loans, our merchant services provide practical tools for everyday operations. Whether you're looking to streamline payments or improve cash flow, we offer solutions that fit your business needs. Imagine processing transactions smoothly while focusing on what matters most serving your customers. Located at 3591 Gulf Breeze Pkwy Gulf Breeze Fl 32563 in Gulf Breeze, FL, we're here to help your business thrive. Give us a call at (850) 505-3200 to learn more about how we can support your journey!

Tailored Loan Options

Imagine having the financial backing to expand your operations or invest in new equipment. With our commitment to supporting businesses evident, we have invested in business growth through our commercial lending programs: - We've funded over $173 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $35 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $96,481,751, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our business members, we offer a suite of services designed to help your business thrive. Our merchant services simplify payment processing, making it easier for you to focus on what matters most growing your business. Plus, if you're looking for funding options, our business loans can provide the capital needed to take your enterprise to the next level.

Convenient Digital Services

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, pay bills, and even send money to friends using our person-to-person payment feature. If you're out and about or prefer not to enter the branch, enjoy our ATM and cash withdrawal services, available at numerous locations for quick access to cash. For everyday transactions like deposits and withdrawals, our drive-thru service makes it simple without leaving your car.

Personal Banking

We understand that managing money can sometimes feel overwhelming, which is why our personal banking services are designed with you in mind. Whether you're looking to open a checking or savings account, or seeking guidance on budgeting, we're here to help. Our checking and savings accounts offer flexibility and competitive interest rates, allowing you to save for your future while having easy access to your funds. For those moments when you need a little extra cash, our auto loans and vehicle financing options make it simple to get behind the wheel of your dream car. If homeownership is on your mind, consider exploring our mortgage loans and refinancing solutions. We provide personalized support throughout the process, ensuring that your experience is as smooth as possible. Need some quick cash for unexpected expenses? Our personal loans and debt consolidation services can assist you in managing financial pressures effectively. And don't forget about our credit cards with rewards, perfect for those who want to earn while they spend.

Shared Branch Transactions

We also understand that sometimes life takes you beyond your home branch. That's why we participate in shared branching networks! This means you can perform basic transactions like deposits and withdrawals at partner credit unions across the country. At Pen Air, we prioritize making banking accessible and enjoyable for all our members. With our friendly staff ready to assist you at every turn and various service options tailored just for you, we're here to support your financial journey. Ready to explore what we have to offer? Don't hesitate! Call us today at (850) 505-3200, visit us at 3591 Gulf Breeze Pkwy Gulf Breeze Fl 32563, or check out our website at https://www.penair.org/ for more information. We're excited to serve you!

Digital & Online Banking

Accessibility and Ease-of-Use

We believe in making banking accessible for everyone. That's why our digital tools are crafted for ease-of-use and real-time account management. No matter where life takes you, Pen Air ensures that your banking needs are just a tap away. Explore how these features can enhance your financial journey today!

E-Statements and Security

Keeping track of your finances is easier than ever with our e-statements availability. They provide a quick and secure way to review your transactions without cluttering up your mailbox. And rest assured, all of our services are protected by electronic signature authorization, ensuring that your information remains safe at all times.

Mobile Application

For those who prefer managing their finances from a mobile device, our mobile application is here to help. Whether you're checking your balance or making payments through our mobile payments feature, everything is designed to be user-friendly. Plus, you can conveniently send money with person-to-person transfers right from the app.

Online Banking Services

Our 24/7 online banking services make it easy for you to stay on top of your accounts. You can access your balances, transfer funds, pay bills, and more all from the comfort of your home or on the go. Visit us at https://www.penair.org/ to explore all the features available to you.

Financial Strength

At Pen Air, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health remains robust, ensuring that your funds are safe and sound. With a net worth of $307,557,404, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,141 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $842,500,416 in share certificates and $98,720,717 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $358,892, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. In addition to these strengths, we have $295,728,530 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive as well; with $23,307 in used auto loans and $1,521,546,369 in total loans and leases, we support our members' financial goals across various sectors. We also take pride in having 380 full-time employees and 5 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledgeable assistance. Our operational efficiency is reflected in our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. Our commitment to you is evident not only through our numbers but also through the relationships we've built over time. With a total of 300,660 share accounts, it's clear that many trust us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pen Air is your trusted partner. Visit us at 3591 Gulf Breeze Pkwy Gulf Breeze Fl 32563 or call (850) 505-3200 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

For those interested in vehicles, our auto loans cover both new and used cars. With competitive interest rates and tailored repayment plans, you can drive away in your dream car without breaking the bank. If you're ready to start your journey towards car ownership, take advantage of our new vehicle loans totaling $393,813,998 and used vehicle loans amounting to $539,207,991.

Business Loans

For business owners looking to expand or invest, our outstanding commercial loans totaling $96,481,751 provide the capital needed to grow your business. We're here to support local entrepreneurs with financing solutions tailored to meet their unique needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $93,927,094, make buying or refinancing simple. We offer various mortgage products that cater to different budgets and financial situations, making it easier for you to secure your dream home.

Refinancing Options

If you already have a loan but are looking for better terms or lower rates, we also offer refinancing options. This allows you to potentially lower your monthly payments or adjust the length of your loan term. To learn more about our loan offerings or discuss eligibility options, feel free to reach out! You can contact us at (850) 505-3200, visit us at 3591 Gulf Breeze Pkwy Gulf Breeze Fl 32563, Gulf Breeze, FL 32,563, or explore more on our website here. Let us help you take that next step toward achieving your financial dreams!

Unsecured Credit Card Loans

Managing day-to-day expenses has never been easier with our flexible terms on unsecured credit card loans. With a total of $53,457,618 in loans helping members manage their finances effectively, you'll find that our credit cards come with beneficial features that suit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers, as all listed loans are backed by reputable lenders.