Pen Air Credit Union Milton FL: Affordable Auto Loans & Personal Banking

Introduction

Welcome to Pen Air, your trusted financial partner located at 5056 Dogwood Dr, Milton, FL 32570. Since opening our doors in 1936, we have proudly served the community with a commitment to exceptional service and responsible banking practices. With over 129,000 members, we are dedicated to helping you achieve your financial goals, whether it's through personal banking, auto loans, mortgages, or business services. At Pen Air, we believe that strong financial foundations lead to stronger communities. Our total assets of $2,684,526,238 reflect our solid commitment to growth and stability for our members. With total deposits amounting to $388,913,557 and a net worth of $307,557,404, we ensure that your savings are safe and sound. Our team of 385 employees works diligently every day to provide you with the best banking experience possible. Our leadership team is here to guide you on your financial journey. Under the direction of CEO Delbert Morgan and Board President Robert Jacobson, we continuously strive to innovate and improve our services while maintaining a community-oriented approach. You can trust us to be there for you when you need us most. While members can visit us at our branch location in Milton, official correspondence should be sent to 1495 E Nine Mile Rd, Pensacola, FL 32514. If you have any questions or need assistance, don't hesitate to reach out at 850-505-3200 or visit our website at penair.org. Join us today and discover how Pen Air can help you navigate your financial future!

Branch History & Mission

Our Mission

Our mission is simple yet profound: to empower our members through exceptional financial services while actively supporting our community. We believe that strong communities are built on mutual support and collaboration. That's why we not only focus on providing competitive rates and innovative banking solutions but also engage in various outreach initiatives aimed at uplifting local organizations and residents. We understand that convenience matters. That's why we offer modern banking solutions including online and mobile banking options, making it easier than ever for you to manage your finances from anywhere. Our branch features an ATM for quick cash access and a drive-thru service for those who prefer face-to-face interactions without leaving their vehicles. While members can visit us at 5056 Dogwood Dr, official correspondence should be sent to 1495 E Nine Mile Rd, Pensacola, FL 32514. Our dedicated team is available during lobby hours from Monday to Friday from 9 AM to 5 PM, and drive-thru service operates from 8 AM to 6 PM on weekdays and 9 AM to 1 PM on Saturdays. As part of the Pen Air family, you're joining more than just a credit union; you're becoming part of a movement dedicated to bettering lives through responsible lending and personalized service. We invite you to explore all that Pen Air has to offer join us today and experience the difference that comes from being part of a community-focused credit union! For more information or to open an account, visit us at Pen Air.

Branch Location & Accessibility

Welcome to Pen Air, your friendly credit union located at 5056 Dogwood Dr in Milton, Florida! Nestled in the heart of Santa Rosa County, our branch is conveniently positioned near local landmarks such as the beautiful Dogwood Park and just a short drive from the bustling Milton downtown area. This prime location makes it easy for you to stop by for all your banking needs. Our branch is designed with accessibility in mind, ensuring that everyone can enjoy our services. You'll find ample parking right outside, along with ADA-compliant features like ramps and spacious entrances. Whether you're visiting for a quick deposit or to discuss your financial goals, we aim to provide a welcoming environment for all members. We understand that your time is valuable, which is why we offer flexible operating hours. You can visit our branch lobby Monday through Friday from 9 AM to 5 PM. If you're on the go, take advantage of our live drive-thru service available from 8 AM to 6 PM during weekdays and from 9 AM to 1 PM on Saturdays. Our dedicated team is always ready to assist you with personal banking services, auto loans, mortgages, and much more. For those needing access beyond regular hours, we are pleased to offer ATM availability right on-site for your convenience. Plus, if you're a member of another credit union, feel free to use our shared service center for basic transactions. Should you need to send us official correspondence, please note that our mailing address is different: 1495 E Nine Mile Rd, Pensacola, FL 32514. If you have any questions or would like to learn more about how we can help you achieve your financial dreams, don't hesitate to give us a call at 850-505-3200. We look forward to welcoming you into the Pen Air family!

Member Eligibility

At Pen Air, we believe that everyone deserves a place in our welcoming community. Joining us is simple and open to many! If you live, work, worship, or go to school in the areas we serve, you're likely eligible for membership. This means you can enjoy all the great benefits we offer, from competitive loan rates to personalized service that truly cares about your financial well-being. For more specific eligibility details, you can check out our website at https://www.penair.org/personal/membership-benefits/ . Becoming a member is just a few steps away! Once you know you're eligible, opening an account is easy. Just visit us at 5056 Dogwood Dr Milton Fl 32570 or reach out to us at (850) 505-3200. We're here to help guide you through the process so you can start enjoying the advantages of being part of Pen Air. Don't miss out on the opportunity to join a community focused on your success!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services simplify daily operations for your business. Imagine having a payment processing solution that keeps your cash flow steady while allowing you to focus on what matters most growing your business. With options tailored to fit various industries, we ensure you have the tools necessary to manage transactions smoothly. Whether you're looking for capital to expand or tools to enhance your operations, Pen Air is here to help you thrive. Reach out today at (850) 505-3200 or visit us at 5056 Dogwood Dr Milton Fl 32570!

Supporting Your Business Growth

Our commitment to supporting businesses is evident, with investments 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

ATM & Cash Withdrawal Services

When you need cash quickly, our ATM services are readily available for withdrawals and balance checks. Plus, our drive-thru banking allows for quick deposits and simple transactions without needing to leave your vehicle. If you're visiting from another credit union, take advantage of our basic shared branch transactions for deposits and withdrawals. At Pen Air, we strive to create an environment where managing your finances is straightforward and hassle-free. Our friendly team is always ready to assist you with any questions or concerns. Ready to explore what we can do for you? Visit us at 5056 Dogwood Dr Milton Fl 32570 in Milton, or give us a call at (850) 505-3200 today! Discover how we can help improve your financial future with personalized service tailored just for you.

Business Banking Services

For our business members, we offer specialized banking solutions such as merchant services and business loans tailored to help your venture thrive. We understand that running a business comes with its own set of challenges, so we're here to support your financial needs every step of the way.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Pen Air, we provide online and mobile banking options that allow you to manage your accounts from anywhere. Check balances, transfer funds, or pay bills with just a few clicks or taps on your phone. Our mobile payments feature ensures you're always connected, making transactions easier than ever before.

Personal Banking Solutions

Starting with personal banking, we offer various options to help you manage your finances effectively. You can open checking and savings accounts that fit your lifestyle. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it simple to drive away in your dream car without breaking the bank. For those looking to buy a home, our mortgage loans and refinancing services are designed to provide you with competitive rates and flexible terms. If you find yourself needing some extra cash, our personal loans and debt consolidation services can help you get back on track. And don't forget about our credit cards with rewards that allow you to earn benefits while making everyday purchases.

Digital & Online Banking

At Pen Air, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances easier and more secure than ever. With our 24/7 online banking platform, you can access your accounts anytime, anywhere. Whether you're at home or on the go, handling your banking needs is just a few clicks away. Explore our online banking features at https://www.penair.org/ . You'll find everything from checking your account balance to transferring funds between accounts, all in a user-friendly interface that prioritizes your security. We also offer electronic signature authorization, allowing you to sign documents digitally and save time without compromising on safety. Want to go paperless? Our e-statements are available, giving you instant access to your financial statements right from your mobile device or computer. This not only helps reduce clutter but also keeps your information secure. Speaking of mobile devices, don't forget about our mobile application! It's designed for ease of use and offers features like person-to-person transfers, so sending money to friends or family is quick and hassle-free. And if you love the convenience of mobile payments, we've got you covered there too! Our services allow you to make purchases directly from your phone, making shopping a breeze. In today's fast-paced world, having control over your finances has never been more important. That's why we've made it our mission to provide accessible and real-time account management solutions for all our members at Pen Air. Experience the freedom of banking on your terms with us today!

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 committed to ensuring that your hard-earned money is safe and growing, which is why we maintain robust financial health as reflected in our performance metrics. 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. With $295,728,530 in undivided earnings, we 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. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 380 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $2,688,362. Total Share and Deposit Accounts: 300,660, showing a strong and growing member base that trusts 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 5056 Dogwood Dr Milton Fl 32570 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

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $539,207,991 in used vehicle loans and $393,813,998 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make your auto financing straightforward and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $96,481,751 provide the capital needed to grow and expand your business. We understand the unique challenges small businesses face and offer tailored solutions to support your entrepreneurial journey.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, we're here to support you every step of the way.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, we have options available that could potentially save you money. Be sure to ask about eligibility criteria and how we can assist you in making this process as smooth as possible. We pride ourselves on being a trusted partner in your financial journey. If you have questions about our loan products or need assistance choosing the right option for your needs, don't hesitate to reach out! You can contact us at 850-505-3200 or visit us at 5056 Dogwood Dr Milton FL 32570. For more information about eligibility and membership benefits, check out our website at Pen Air. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $53,457,618 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to fit your lifestyle.

Loan Aggregator

Building Trust Through User Experiences

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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 means that users receive fair and transparent offers without hidden fees or misleading information. LendMesh stands out in several key areas: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly.

PEN AIR

Type of Loan Offerings

Personal Loans

Vehicle Loans