Pen Air Credit Union Pensacola FL: Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Pen Air, your trusted financial partner located at 4523 Saufley Field Rd, Pensacola, FL 32526. Since opening our doors in 1936, we have proudly served our community with dedication and integrity. As a member-owned credit union, we put our 129,385 members first, offering personalized services designed to meet your financial needs. At Pen Air, we understand that banking is more than just numbers; it's about building relationships. With total assets exceeding $2.68 billion, we are well-equipped to provide a wide range of products, from auto loans and mortgages to personal banking solutions. Our commitment to you is reflected in our robust financial standing, with total deposits of $388,913,557 and a net worth of $307,557,404. Our team, led by CEO Delbert Morgan and Board President Robert Jacobson, works tirelessly to ensure that you receive the best possible service. With over 380 employees, we're here to help you navigate your financial journey with ease and confidence. While members can visit us at the branch for all their banking needs, please note that official correspondence should be directed to our mailing address at 1495 E Nine Mile Road, Pensacola, FL 32514. Ready to experience the difference? Call us today at 850-505-3200 or explore our offerings online at Pen Air. Whether you're looking for assistance with loans or simply need advice on managing your finances, we're here for you every step of the way!

Branch History & Mission

Join Us!

With operating hours designed for your convenience Monday through Friday from 9 AM to 5 PM in our lobby and extended drive-thru hours we invite you to experience everything Pen Air has to offer. Whether you're looking for your first account or seeking advice on how to manage your finances better, we're here for you. Come see us today or visit our website for more information on becoming a member! Let's build a brighter financial future together!

Our Journey

From our humble beginnings, Pen Air has always prioritized the needs of our members. We believe in building strong relationships within our community, which is why we have established initiatives that support local events and partner with organizations focused on enhancing the quality of life in Escambia County. Our commitment goes beyond banking; it's about fostering a sense of belonging and providing financial education and resources to empower individuals and families. As we expanded over the years, we've embraced technology to better serve you. Today, we offer online banking, mobile payments, and e-statements for your convenience. Our branch is ADA compliant, ensuring that everyone can access our services comfortably. With a drive-thru available for easy transactions and an ATM on-site, we strive to make banking as accessible as possible.

Our Mission

At Pen Air, our mission is simple yet profound: to improve the financial well-being of our members while supporting the community around us. We provide a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions tailored for local entrepreneurs. Our dedicated team is here not just to help you with transactions but also to guide you in making informed financial decisions that align with your goals. We believe in transparency and trustworthiness; that's why we prioritize personalized service every step of the way. While members can visit us at 4523 Saufley Field Rd, official correspondence should be sent to 1495 E Nine Mile Road, Pensacola, FL 32514.

Branch Location & Accessibility

Call to Action

We invite you to visit us at the Saufley branch! Whether you want to open a new account or discuss loan options with one of our friendly representatives, we're here for you. Have questions? Don't hesitate to give us a call at 850-505-3200. At Pen Air Credit Union, your financial well-being is our priority!

Convenient Access and Features

At our Saufley branch, we prioritize convenience and accessibility for all members. Our drive-thru service allows you to handle deposits, withdrawals, and simple transactions without leaving your vehicle. If you prefer a more personal touch, our lobby hours are designed to accommodate your busy schedule: we're open Monday through Friday from 9 AM to 5 PM. For those who need assistance during the week but can't make it during regular hours, our live drive-thru operates until 6 PM on weekdays and from 9 AM to 1 PM on Saturdays. Parking is available right outside the branch for easy access. We also ensure ADA compliance with features like ramps and accessible entrances so everyone can bank comfortably.

Services Offered

At Pen Air's Saufley branch, we offer a wide range of services tailored to meet your financial needs. From personal banking options such as checking and savings accounts to auto loans and mortgages, we have solutions for individuals and families alike. Business owners will find valuable services too, including merchant services and business loans. In addition to traditional banking services, we also provide online and mobile banking for your convenience. Need cash? Our ATM is always ready for withdrawals or balance checks.

Member Eligibility

Becoming a member of Pen Air is like joining a close-knit family that truly cares about your financial well-being. If you're looking to be part of something special, you'll be pleased to know that membership is open to those who live, work, worship, or attend school in the Escambia County area. This means if you have ties to our community, we'd love to welcome you with open arms! You can find more detailed eligibility criteria at https://www.penair.org/personal/membership-benefits/, which will help you determine if you qualify. Opening an account is straightforward and inviting just visit us at our branch located at 4523 Saufley Field Rd Pensacola Fl 32526 or give us a call at (850) 505-3200 for any questions. We're here to guide you through the process and ensure you feel right at home from day one. Once you're a member, you'll enjoy fantastic benefits like personalized service and competitive rates on loans and savings. Join us today and experience all that Pen Air has to offer! For more information on how to start your journey with us, check out the account opening details here: https://apply.penair.org/apply.aspx?enc=kw21wblm1yxpjjabdozad6tzjlf0j5bfzpeceeunsueax5zejsvdy_cxcbs14hskgfip7cojn9hjjsxi40kvvrzkibr-z0e2qjvjqr_ql98.

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that make everyday transactions easier. From payment processing to mobile point-of-sale systems, our tools help you manage sales efficiently and effectively. This means you can focus on what truly matters growing your business. Visit us at 4523 Saufley Field Rd Pensacola Fl 32526, Pensacola, FL, or call us at (850) 505-3200 to learn more about how we can partner with you on your business journey!

Supporting 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

Business Banking Services

For entrepreneurs and business owners, Pen Air offers comprehensive business banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to provide guidance and support tailored to your unique business needs.

Convenient Access and Support

Accessing your accounts has never been easier! With our ATM services, you can withdraw cash or check your balance anytime. Our drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for those on-the-go moments. Plus, if you're a member of another partner credit union, take advantage of basic shared branch transactions for even more convenience.

Credit Options

We understand that sometimes life presents unexpected expenses. Our personal loans and debt consolidation options provide quick access to funds when you need them most. Plus, our credit cards come with rewards that let you earn while you spend, making every purchase more rewarding.

Personal Banking Solutions

Our personal banking services are tailored to help you achieve your financial goals. Open a checking or savings account that suits your lifestyle and enjoy easy access through our online and mobile banking platforms. Imagine being able to check your balance, transfer funds, or pay bills right from your smartphone it's that simple! If you're planning to purchase a vehicle, our auto loans and vehicle financing options can help make that dream a reality. With competitive rates and flexible terms, you can drive away in your new car sooner than you think. For those considering homeownership or refinancing their current mortgage, we offer mortgage loans designed with your needs in mind.

Stay Connected Digitally

In today's fast-paced world, we know convenience is key. That's why our online and mobile banking features are designed with ease of use in mind. You can make payments, view transactions, and manage your accounts from anywhere at any time. We're proud to be part of the community in Pensacola, serving over 129385 members since 1936. If you're ready to explore how our services can benefit you or if you have any questions about what we offer, don't hesitate to reach out! Call us at (850) 505-3200 or visit us online at https://www.penair.org/. At Pen Air, we're committed to helping you achieve financial success!

Digital & Online Banking

Explore Our Online Services

Visit us at https://www.penair.org/ to discover a range of online banking options tailored for you. Our 24/7 online banking services allow you to check balances, make payments, and transfer funds without the need to visit a branch. Whether you're at home or on the go, managing your money has never been easier.

Key Features for Your Convenience

You can sign documents electronically with ease thanks to our electronic signature authorization feature. Plus, enjoy the benefit of e-statements that keep your financial information organized and accessible right from your device. No more waiting for paper statements in the mail! If you're always on the move, our mobile application is here to help. Make mobile payments quickly and securely, and send money directly to friends and family with person-to-person transfers. It's all about making banking simpler and more efficient for you.

Safe and User-Friendly Experience

Your safety is our top priority. All our online services come with advanced security features to protect your personal information. With easy navigation and real-time account management at your fingertips, you have everything you need to stay in control of your finances. At Pen Air, we're committed to providing a banking experience that fits seamlessly into your life. From making payments to checking balances, our digital banking tools empower you to manage your money how and when it works best for you. Start exploring today!

Financial Strength

Growing Membership Base

Total Share Accounts stand at 300,660, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $2,688,362, we have the resources needed to support your financial aspirations. 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 4523 Saufley Field Rd Pensacola Fl 32526 or call (850) 505-3200 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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 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.

Reinvestment for Better Services

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 supported by $23,307 in used auto loans and a total of $1,521,546,369 in loans and leases across various sectors.

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. Whether you prefer a brand-new model or a reliable used vehicle, our financing solutions make it easier than ever to drive away with the car you want.

Business Financing

For business owners looking to expand or enhance operations, our outstanding commercial loans totaling $96,481,751 provide the capital needed to grow. We understand the challenges businesses face and are committed to providing the support necessary for success. We invite you to explore our refinancing options as well. If you're considering consolidating debt or lowering monthly payments on existing loans, our team can guide you through eligibility requirements and find solutions that fit your financial picture. At Pen Air Credit Union, we believe in empowering our members through informed choices. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what you're looking for be it an auto loan to hit the open road or a mortgage to settle into your dream home Pen Air is here to assist every step of the way. Visit us today or call us at 850-505-3200!

Credit Lines and Unsecured Loans

For those who need flexibility in managing expenses, we provide credit lines totaling $510,744,651. Additionally, 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $93,927,094. We simplify the process of buying or refinancing your home so that you can focus on what matters most making memories in your new space.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh serves as a trusted tool for anyone looking to secure the best loan options available. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment is based on the latest results (Source: https://www.ncua.gov), guaranteeing that users receive fair and transparent offers. By focusing on verified information, LendMesh eliminates confusion and helps users understand their options clearly. Verified Data is one of the standout features of LendMesh. All loan offers come from legitimate financial institutions, which fosters trust among users. Additionally, there are No Sponsored Listings LendMesh does not prioritize lenders based on paid promotions. Instead, it aims to provide unbiased results that truly reflect the current market landscape. Another significant advantage of using LendMesh is its Real-Time Rate Comparisons. The platform provides up-to-date loan rates from multiple institutions, allowing users to make informed decisions without sifting through outdated or misleading information. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this illustrate how effective LendMesh can be in finding optimal loan solutions. Compare real-time loan offers today 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.*