Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

Welcome to PenAir Credit Union Join Us

You'll fit right in.

Open an Account Online

Save up to 2% on your Auto Loan!

Between October 1 and December 31, 2025, refinance an existing auto loan from another institution with PenAir and lower your rate by up to 2%. Plus, you can skip payments for the first 90 days!*

Go Where Life Takes You

With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!

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Get In The Driver's Seat

man excited to be buying a car using a PenAir Credit Union auto loan

Value that you can expect.

We like surprises, but not when it comes to your money. Count on no hidden fees (like ever) and reliably low interest rates.

Auto Loans as low as

4.74 ^%

APR*

Home Equity Loans as low as

8.49 ^%

APR*

Personal Loan as low as

7.90 ^%

APR*

View all Rates

PenAir’s rates on loans and deposits are better than most financial institutions nationwide.

Compare how we stack up below.

Auto Loans

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Certificate Account

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Money Market Account

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Fast. Convenient. Secure Banking.

Our Live Interactive Video Experience (LIVE) technology provides secure, personalized service you can trust. Easily manage all your banking needs through a video conversation with local LIVE tellers – not robots and not AI. And with our extended hours, you can bank when it’s convenient for you.

Financing with PenAir is

Financing for Good

LAST YEAR, PENAIR AND ITS EMPLOYEES PROVIDED

$865,000

in donations and sponsorships.

In 2024, employees spent

7,000

hours volunteering and giving back in the community.

PenAir employees' giving represented more than

$56,000

of our total Communerosity® financial impact to local like-minded community organizations.

Learn More About Our Impact

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You can now open an account with us if you live, work, go to school or worship in 19 counties, from Mobile County, Alabama to Leon County, Florida.

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Disclosures

*Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. APR = Annual Percentage Rate. Offer valid on loan applications submitted between 10/01/2025 and 12/31/2025 only. Auto loan must be transferred from another financial institution and be in good standing. Six (6) on-time payments on a past or present auto loan are required to be eligible for this offer. Rate will be reduced up to 2% but will be no lower than 4.74% APR. Interest will still accrue with the No Payment for 90 Days offer. At 5.99% APR, loan amount of $20,000 and a term of 60 months, the monthly payment would be $386.58. Other conditions and restrictions may apply. Call toll-free 1.877.4PENAIR for complete details.