Penair Credit Union

Nestled near the heart of Pensacola, the Pen Air branch at 1289 Airport Blvd is your neighborhood financial partner dedicated to helping you navigate life’s big milestones. Open Monday through Friday with live drive-thru service from 8 a.m. to 6 p.m. and Saturdays from 9 a.m. to 1 p.m., this location offers convenient ATM access and seamless drive-thru banking for deposits, withdrawals, and simple transactions—perfect for busy schedules.
Whether you're dreaming of a new car or planning your next home purchase, Pen Air provides some of the best auto loans and competitive mortgage financing options tailored to fit your budget. Beyond lending, members enjoy personal banking solutions including checking and savings accounts designed for everyday convenience, credit cards with rewarding perks, personal loans for debt consolidation, and business banking services to support local entrepreneurs.
With secure online and mobile banking available anytime, managing your finances has never been easier. Visit Pen Air at 1289 Airport Blvd in Pensacola or call 850-505-3200 today to experience friendly, community-focused service—and discover how our top auto loans and mortgage offerings can help you achieve 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 partner in financial services located at 1289 Airport Blvd, Pensacola, FL 32504. Since opening our doors in 1936, we have been dedicated to serving our community and providing exceptional banking experiences for our members. With a strong membership base of 129,385 individuals and total assets exceeding $2.68 billion, we pride ourselves on offering a range of services tailored to meet your financial needs. At Pen Air, we understand that managing your finances is essential for achieving your goals. That's why we offer various products, including personal checking and savings accounts, auto loans, mortgages, and business banking solutions. Whether you're looking for competitive rates on loans or simple banking transactions, we've got you covered. Our team of 385 dedicated employees, led by CEO Delbert Morgan and Board President Robert Jacobson, is here to help you every step of the way. 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. If you have questions or need assistance, feel free to call us at 850-505-3200. Join us today and experience the Pen Air difference! Explore our services further on our website at penair.org or stop by to see how we can assist you in reaching your financial goals. We're excited to serve you!

Branch History & Mission

At Pen Air, we take pride in our rich history and unwavering commitment to serving the community of Pensacola, FL. Established in 1936, our branch has grown from a small credit union into a trusted financial partner for over 129,000 members. With total assets exceeding $2.68 billion, we have evolved significantly over the decades, yet our core mission remains steadfast: to empower our members through exceptional financial services while fostering community support. Located at 1289 Airport Blvd, Pensacola, FL 32504, our branch is easily accessible for those traveling through the area and is close to local landmarks that many residents recognize. While members can visit us at this location for their banking needs, official correspondence should be sent to 1495 E Nine Mile Rd, Pensacola, FL 32514. Our mission goes beyond just providing financial products; it's about enriching lives. We strive to offer personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also focus on business banking solutions including merchant services and business loans. Our goal is to create a supportive environment where every member feels valued and empowered to achieve their financial dreams. Over the years, we've embraced technological advancements to enhance member experience. Our digital offerings include online banking and mobile payments, making it easier than ever for members to manage their finances anytime and anywhere. We are also proud of our commitment to accessibility with ADA-compliant facilities. Community outreach is at the heart of what we do. We believe in building strong partnerships with local organizations and participating in initiatives that uplift our community. Whether through financial education programs or charitable contributions, Pen Air is dedicated to making a positive impact in Pensacola. As we continue this journey together, we invite you to join our family at Pen Air. Experience the difference of being part of a credit union that truly cares about your financial well-being and community growth. Contact us today at 850-505-3200 or visit us online at Pen Air to learn more about how we can help you thrive!

Branch Location & Accessibility

Call to Action

We invite you to visit us today or give us a call at 850-505-3200 if you have any questions or need assistance. At Pen Air, we're dedicated to providing exceptional service and supporting your financial journey!

Operating Hours

We're here for you during convenient hours! Our lobby is open Monday through Friday from 9 AM to 5 PM, while our drive-thru operates from 8 AM to 6 PM on weekdays and from 9 AM to 1 PM on Saturdays. This flexibility allows you to fit your banking needs into your busy schedule.

Parking and Accessibility

We understand how important accessibility is for our members. Our branch features ample parking and is fully ADA compliant, ensuring that everyone can easily access our services. Whether you prefer to walk in or use the drive-thru service, we've got you covered.

Services Offered

At Pen Air, we offer a variety of services designed to meet your financial needs. From personal banking with checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our drive-thru banking makes quick transactions like deposits and withdrawals a breeze! We also provide basic shared branch transactions for partner credit union members and ATM access for cash withdrawals and balance checks.

Member Eligibility

At Pen Air, we believe that becoming a member is more than just opening an account; it's about joining a welcoming community where you can feel supported and valued. If you're looking to become part of our family, you'll be happy to know that eligibility is straightforward and inclusive! Generally, individuals who live, work, worship, or attend school in the Escambia County area can join us. We also welcome family members of current members, which means you might already have a foot in the door. For a full overview of the eligibility criteria, check out our detailed information at https://www.penair.org/personal/membership-benefits/. Once you find out that you're eligible, opening an account is easy! You can start your journey with us online by visiting https://apply.penair.org/apply.aspx?enc=kw21wblm1yxpjjabdozad6tzjlf0j5bfzpeceeunsueax5zejsvdy_cxcbs14hskgfip7cojn9hjjsxi40kvvrzkibr-z0e2qjvjqr_ql98 or give us a call at (850) 505-3200 if you have any questions. We're excited to help you take this important step toward better financial opportunities right here at Pen Air, located at 1289 Airport Blvd Pensacola Fl 32504. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments from customers seamlessly, whether they're shopping online or visiting your storefront. Our solutions ensure that you can focus on what you do best running your business while we take care of the financial transactions. Visit us at 1289 Airport Blvd Pensacola Fl 32504 in Pensacola, FL, or call us at (850) 505-3200 to explore how our business banking services can empower your success!

Supporting Your 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

Additional Services

We also provide basic drive-thru banking for quick transactions such as deposits and withdrawals, making it convenient for those on the go. Our shared branch transactions allow members from partner credit unions to easily access their accounts at our location. At Pen Air, we understand that every member has unique needs. That's why we're dedicated to offering personalized service along with these comprehensive financial products. If you're ready to explore what we can do for you, don't hesitate to reach out! You can call us at (850) 505-3200, or visit us at our branch in Pensacola, FL. For more information about becoming a member or opening an account, check out our website at https://www.penair.org/. We look forward to serving you!

Business Banking

For our business members, we provide robust support through our Business Banking services. This includes essential tools like Merchant Services to facilitate easy transactions and Business Loans that empower you to grow your venture.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking options. You can check your balance, transfer funds, and pay bills right from your smartphone or computer anytime, anywhere. With features like ATM & Cash Withdrawal Services, accessing your cash has never been easier.

Personal Banking Solutions

Our personal banking services include Checking & Savings Accounts, which allow you to easily manage your money and save for what matters most. If you're dreaming of a new car, consider our Auto Loans & Vehicle Financing options that help you hit the road without breaking the bank. For those planning to buy a home, our Mortgage Loans & Refinancing services offer competitive rates and flexible terms. Life can be unpredictable, and sometimes you need extra funds. Our Personal Loans & Debt Consolidation options are here to help you regain control of your finances. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases that can be redeemed for exciting rewards.

Digital & Online Banking

Key Features of Our Digital Banking Services

One of the standout features of our online banking platform is the ability to manage your accounts in real-time. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with our electronic signature authorization, signing important documents has never been easier or more secure. If you prefer going paperless, you'll be pleased to know that we offer e-statements. This way, you can view your financial statements online without cluttering your mailbox. And for those on the go, our mobile application provides all the functionalities you need right in your pocket, including mobile payments for quick transactions and easy person-to-person transfers.

Security and Ease-of-Use

We prioritize your security at Pen Air. Our digital banking services come with robust security measures to keep your information safe while providing user-friendly interfaces that make navigation simple. You don't need to be tech-savvy to take full advantage of our offerings; they are designed for everyone! In summary, whether you're at home or out and about, our digital and online banking services empower you to take control of your finances easily and securely. Explore all these features today at https://www.penair.org/!

Financial Strength

Commitment to Growth and Innovation

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 robust; 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.

Growing Trust Among Members

Total Share and Deposit Accounts stand at 300,660, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) total $2,688,362, further underscoring our ability to support your financial journey. 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 1289 Airport Blvd Pensacola Fl 32504 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 Health

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. We provide flexible terms and competitive rates, making it easier for you to drive away with your dream vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $96,481,751 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment or property, our team is here to support your business 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 guide you through every step of the process, ensuring you find a mortgage solution that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we can help you explore options that may lower your monthly payments or shorten your loan term. Contact us today for more information on eligibility requirements and how we can assist you in achieving better financial terms. We invite you to visit us at our branch located at 1289 Airport Blvd Pensacola Fl 32504, Pensacola, FL, or give us a call at (850) 505-3200. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey with confidence!

Unsecured Credit Card Loans

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 enhance your purchasing power while keeping your finances in check.

Loan Aggregator

Ensuring Accurate 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), ensuring fair and transparent offers. This means you can trust that the information presented is both current and accurate.

Key Benefits of Using LendMesh

- 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: Users receive up-to-date loan rates from multiple institutions, which helps them make informed decisions tailored to their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Take control of your borrowing options today. Compare real-time loan offers at LendMesh and find the best rates for your needs. *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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