Penair Credit Union

Nestled in the friendly community of Pace, Florida, the Pen Air branch at 4586 Highway 90 is your local partner for smart financial solutions. Open Monday through Friday with live drive-thru hours from 8 a.m. to 6 p.m., plus Saturday service from 9 a.m. to 1 p.m., this branch offers convenient ATM access and comprehensive drive-thru banking for deposits, withdrawals, and simple transactions designed around your busy schedule.
At Pen Air Pace, members enjoy some of the best auto loans and vehicle financing options available, making it easier than ever to get behind the wheel of your next car with confidence. Whether you’re buying new or refinancing, their expert team is ready to guide you every step of the way. Homebuyers will also appreciate competitive mortgage loans and refinancing solutions tailored to fit your unique needs.
Beyond lending, Pen Air provides personal banking services including checking and savings accounts, credit cards with rewards, personal loans for debt consolidation, and business banking options like merchant services and business loans. With secure online and mobile banking available anytime, managing your money is effortless.
Visit Pen Air at 4586 Highway 90 in Pace or call 850-505-3200 today to experience personalized service and discover how our top auto loans and mortgage offerings can help you reach your financial goals!

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, your trusted financial partner located at 4586 Highway 90, Pace, FL 32571. Since our establishment in 1936, we have been dedicated to serving our community with a focus on member satisfaction and financial growth. With over 129,000 members and assets totaling $2,684,526,238, we pride ourselves on being a reliable resource for all your banking needs. At Pen Air, we offer a range of services tailored to meet the diverse needs of our members, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment to providing exceptional service is reflected in our solid financial standing our total deposits amount to $388,913,557 and our net worth is an impressive $307,557,404. Led by our CEO Delbert Morgan and Board President Robert Jacobson, our team of 385 dedicated employees works tirelessly to ensure that you receive the best possible experience every time you visit us or reach out for assistance. We also understand the importance of convenient access to your finances; that's why we provide online and mobile banking solutions along with ATM services. While members can visit us at 4586 Highway 90, official correspondence should be sent to our mailing address: 1495 E Nine Mile Rd, Pensacola, FL 32514. Whether you're looking to open an account or explore loan options, don't hesitate to call us at 850-505-3200 or check out our website at penair.org for more information. Join us today and discover how Pen Air can help you achieve your financial goals!

Branch History & Mission

Our Journey

Pen Air's journey began with a simple mission: to provide accessible financial services to our members while fostering a spirit of community support. Over the years, we have expanded our offerings significantly. Today, our total assets exceed $2.68 billion, allowing us to offer competitive rates on personal banking products like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Since opening our doors, we have made it our goal to ensure that every member feels valued and empowered in their financial decisions. This commitment is reflected in our ADA-compliant facilities and customer-centric initiatives designed to make banking easier for everyone.

Our Mission

At Pen Air, we believe that financial success goes hand-in-hand with community well-being. Our mission is clear: we strive to provide exceptional service while supporting the needs of our community. Whether it's through educational programs or outreach efforts, we aim to uplift those around us. We work closely with various local organizations to ensure that we're not just a bank but a partner in building a stronger Pace. While members can visit us at 4586 Highway 90, official correspondence should be sent to 1495 E Nine Mile Rd, Pensacola, FL 32514 if needed.

Services and Accessibility

We understand that convenience matters. That's why we offer extended operating hours our lobby is open Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 1 PM. For those who prefer drive-thru banking or need access outside of regular hours, we are proud to offer both options for your ease. With ATM availability and shared service centers nearby, accessing your funds has never been simpler. Our commitment extends beyond traditional banking; we also embrace digital advancements with online banking and mobile payment options designed for today's fast-paced lifestyle. As you explore what Pen Air has to offer, consider joining us on this journey towards financial empowerment. Experience firsthand the benefits of being part of a credit union dedicated not only to your financial needs but also to enriching the community we all call home. Join us today at Pen Air where your membership means more than just banking; it means belonging! For more information on how you can become part of our family or explore our services further, please call us at 850-505-3200 or visit our website.

Branch Location & Accessibility

Connect With Us

Have questions or need assistance? Don't hesitate to reach out! You can give us a call at 850-505-3200 or stop by during our operating hours. We're excited to help you with all your banking needs! We look forward to welcoming you at Pen Air!

Finding Us

If you're navigating through Pace, you'll find us right off Highway 90, making it simple for you to drop by. Our location is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who need them. Plus, we have ample parking available, so you can visit us without any hassle. 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.

Operating Hours

We understand that your time is valuable. That's why we offer flexible banking hours tailored to fit your schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. If you prefer using our drive-thru service, it's available Monday through Friday from 8:30 AM to 5 PM and Saturday from 9 AM to 1 PM as well.

Services Offered

At Pen Air, we offer a variety of services designed to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Need quick access? We also have an ATM on-site for your convenience. Additionally, if you're a member of another credit union, take advantage of our shared service center capabilities that allow you to conduct basic transactions seamlessly.

Member Eligibility

At Pen Air, we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. Becoming a member is simple and open to anyone who lives, works, or worships in our local area. If you have family members who are already members, that's another great way to join us! Our mission is to provide you with the best services while ensuring that you feel valued as a part of our family. To start your journey with us, just visit our website for more detailed eligibility criteria at https://www.penair.org/personal/membership-benefits/. We're excited to welcome you! Once you've checked out the requirements, opening an account is just a click away through this link: https://apply.penair.org/apply.aspx?enc=kw21wblm1yxpjjabdozad6tzjlf0j5bfzpeceeunsueax5zejsvdy_cxcbs14hskgfip7cojn9hjjsxi40kvvrzkibr-z0e2qjvjqr_ql98. If you have any questions or need assistance, don't hesitate to call us at (850) 505-3200. We can't wait for you to experience all the benefits that being a member of Pen Air has to offer!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

In addition to loans, we offer merchant services that make transactions easier for you and your customers. Imagine being able to accept payments effortlessly at your storefront or online, all while keeping track of your sales in real-time. Our solutions help streamline your operations, allowing you more time to focus on what you do best running your business. Located at 4586 Highway 90 Pace Fl 32571 in Pace, FL, we are dedicated to fostering the local business community. Let's work together to turn your vision into reality! For inquiries, reach us at (850) 505-3200 or visit our website at https://www.penair.org/.

Comprehensive List Of Services

Accessing Your Funds with Ease

Need cash on the go? Our ATM and cash withdrawal services ensure that accessing your money is quick and hassle-free. With basic drive-thru banking available for deposits, withdrawals, and simple transactions, you can complete your banking needs without ever leaving your car. For those who belong to partner credit unions, our shared branch transactions allow for convenient deposits and withdrawals across different locations.

Business Banking Tailored for Success

For local business owners, Pen Air provides business banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to help you find the right financial products tailored specifically for your business needs.

Convenient Digital Banking Features

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. From checking balances to transferring funds or paying bills, everything is just a tap away on your smartphone or computer.

Credit Solutions for Everyone

We know that having access to credit is essential for many of our members. That's why we offer credit cards with rewards that fit your spending habits, helping you earn benefits while managing your purchases effectively.

Get Started Today!

At Pen Air, we're here to support you every step of the way. With a dedicated team ready to assist you in all aspects of personal and business finance, we invite you to visit us at 4586 Highway 90 Pace Fl 32571 or call us at (850) 505-3200 to learn more about how we can serve you better. Explore the full range of services we offer by visiting our website at Pace. Your financial journey starts here!

Personal Banking Made Simple

Whether you're opening a checking or savings account, our personal banking services cater to all aspects of your financial life. Need help with budgeting? Our team can guide you through setting up an account that suits your lifestyle. We also provide auto loans and vehicle financing options, making it easy for you to drive away in the car you want without breaking the bank. Thinking about buying a home? Our mortgage loans and refinancing options can help you navigate the housing market with confidence. Plus, if you're facing unexpected expenses or planning for a big purchase, our personal loans and debt consolidation services are here to assist you in achieving financial peace of mind.

Digital & Online Banking

Accessibility and Real-Time Management

At Pen Air, we prioritize accessibility. Our online banking services allow you to manage your accounts in real-time, ensuring you're always aware of your financial status. Whether it's day or night, you can rest easy knowing that help is just a click away. In summary, our digital and online banking solutions provide you with the tools you need for effective financial management all while keeping security at the forefront. Explore all these features today by visiting us at https://www.penair.org/!

Key Features

With our online banking services available at https://www.penair.org/, you can easily access your accounts 24/7. Need to check your balance, transfer funds, or pay bills? Our user-friendly platform makes it simple and efficient. Plus, with electronic signature authorization, signing documents is as easy as clicking a button no need for paper or in-person visits. We also provide e-statements for those who prefer to go green. Say goodbye to cluttered mailboxes and enjoy the convenience of receiving your account statements electronically. You'll have access to your financial information at your fingertips while helping the environment.

Mobile Banking Made Easy

For members on the go, our mobile application offers a world of convenience right from your smartphone. Whether you're making person-to-person transfers or utilizing mobile payments, managing your finances has never been easier. Our app is designed with you in mind it's secure and intuitive so you can complete transactions quickly and confidently.

Financial Strength

Committed to Growth

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 supports members' financial goals across various sectors with $23,307 in used auto loans and $1,521,546,369 in total loans and leases.

Growing Community Trust

We are proud of our strong member base with a total of 300,660 share accounts. This trust is a testament to the reliable services we provide at Pen Air. 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 4586 Highway 90 Pace Fl 32571 or call (850) 505-3200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling 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.

Solid Financial Foundation

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.

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. Whether you're interested in financing a brand-new vehicle or a reliable used option, our team is here to guide you through the process.

Business Loans

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 faced by small businesses and are committed to providing support through various lending options. At Pen Air, our goal is to empower you with financial solutions that meet your needs. For more information about our loan offerings or to discuss your specific situation, please call us at (850) 505-3200 or visit us today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Options

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 provide tailored solutions to help you secure your dream home without added stress. If you're considering refinancing your current mortgage, we can discuss eligibility options that may save you money.

Unsecured Credit Cards

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. These cards can be a great way to build credit while enjoying rewards and benefits tailored to your lifestyle.

Loan Aggregator

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Disclaimer

Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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