Pen Air is here to serve you!. Member Service Center and Pen Air LIVE Drive Thrus are open M-F 7am - 7pm and Sat 9am - 2p. Get the latest updates here.




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Need to Know Updates

COVID-19 Emergency Relief Options:

Need help with your Pen Air loan due to COVID-19? Call us today.
Call our Credit Resolution Team at 850.505.3200 ext. 7250
Are you a small Florida business effected by the Covid-19 outbreak? Pen Air is here to help.
Learn more:

Our promise to you is to be as prepared, flexible, and timely with our responses to any changes made, but most importantly we will always place member service as our top priority.


Operational Updates and Resources

April 2, 2020 – New Hours as of Monday, April 6Opened EntryClosed Entry

With service as one of our core values, we’re diligently working to ensure you’re receiving the best possible member experience. With your needs in mind, Pen Air’s operational hours will change on April 6, 2020.

Our Member Service Center and Pen Air LIVE Drive Thru lanes will be open from 7:00 am to 7:00 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday.

Pen Air LIVE Machines are available at the following locations:

Milton (Drive-thru) 5056 Dogwood Drive
Foley (Drive-thru) 1301 S. McKenzie Street
Nine Mile (Walk-up) 1495 E. Nine Mile Road
Century (Drive-thru) 8460 N. Century Blvd
Saufley (Drive-thru) 4523 Saufley Field Road
Woodbine (Drive-thru) 5639 Woodbine Rd
Airport Blvd. (Drive-thru) 1289 Airport Blvd
9th Avenue (Drive-thru) 6611 North Ninth Avenue
Eastern Shore (Drive-thru) 10010 Eastern Shore Blvd
Gulf Breeze (Walk-up) 312 Gulf Breeze Pkwy
Gulf Breeze (Drive-thru) 3591 Gulf Breeze Parkway
Garden St. (Drive-thru) 220 West Garden Street
Car City (Drive-thru) 6390 Pensacola Blvd (NEW Location)

Traditional Drive Thru lanes will be open from 8:30 am to 5:30 pm Monday through Friday and 9:00 am to 2:00 pm on Saturday.

Traditional Drive Thru lanes are available at these locations:

Corry, 9 Mile, Pace and Robertsdale

Lobbies are open by appointment only. Please call us at 850.505.3200 to schedule an appointment anytime Monday through Friday from 9:00 am to 5:00pm.

March 31, 2020 – How to Make the Most of a Reduced Paycheck Opened EntryClosed Entry

Today’s updates:

The impact of the COVID-19 virus has hit our community hard and many are being forced to live on a reduced paycheck. By adopting the right tools and attitude, you can make the most of a reduced paycheck and not just survive but thrive.

Determine whether your situation is temporary or permanent
If you fully expect to be back to your full salary soon, you may only have to adjust to lessened cash flow for a limited time. But before you tap into your reserves (and retirement savings, home equity, cash value life insurance, etc.) it would be wise to behave as if the salary reduction is long-term. Cut down on spending now. Securing your old income may take longer than you think.

If you do not expect to make as much money as you once did, you may be experiencing anxiety, which is normal. You may be panicking about the practical matters to contend with as well, such as how you will pay your bills. Adopting a systematic approach and devising a plan will help you manage the anxiety.

Recognize that your salary is not you
This is a deceptively obvious statement. Of course, your salary is not you. But many people’s self-esteem directly corresponds with how much money they make—the higher the income, the more important they feel. If your mood declines when your income drops, make every effort to dispel the attitude that financial wealth equals worth. It does not, nor does having an abundance of money guarantee happiness. Think back to when you were making more money than you do now. Were you genuinely happier, or did you just have the ability to buy more?

Seize the day
Hardship can hone skills and challenge entrenched ideas. Perhaps you worked in the high-tech field because the money was good, but that is not where your passion (or even perhaps talent) truly is. Consider this your opportunity to discover what you really want out of life. After all, if you are going to dedicate forty or more hours a week to your job, it should be something you love. Or at least like.

If you are currently unemployed or are working fewer hours, use this “extra” time wisely. Your options are as varied and abundant as your desires. Consider taking a class—one that will boost future earning potential or for pure pleasure. Write that book, paint the kitchen, start an exercise routine. Or just relax.

Analyze your expenses
When cash is copious, it is easy to spend arbitrarily. However, when the salary that sustained such a lifestyle is gone or drastically reduced, it’s time to take a good look at what you need to spend your money on, not what you can. Prioritize expenses now, and identify which bills take precedence. Mortgage versus car payment? Credit cards versus utilities? Analyze the ramifications of missing or not paying each. If you need help deciding, contact Pen Air for help.

Develop a spending plan. It will help you to discern between those expenses you can and cannot live without. If you find there is simply not enough money to support your necessities, much less your desires, at the very least you now know how much you will require from your next job. If expensive dinners are now a thing of the past, relish in the delights of a cheap pizza, or making cold cuts stretch with lots of lettuce. Enjoy and appreciate the things you may have begun to take for granted.

Remember: credit is not supplementary income
When money is tight, credit cards can take on an unusually seductive glow. However, a $40,000 line of credit is not a bonus in disguise, no matter how you much you wish it was. If you use credit to maintain the lifestyle you’ve grown accustomed to, it won’t be long before you “hit the wall”. Without an income to support repaying the balance in full every month, you’ll be paying in installments. Interest rates on unsecured credit is not cheap, and if you fall behind by 60 days, the rates will likely skyrocket. Late and over limit fees will add to an increasingly daunting balance. And soon you’ll be wishing you could return all the merchandise you bought and the meals you ate just so you don’t have to open another statement and look at those big, scary numbers. Credit cards are not designed to be emergency savings accounts.

Develop a plan
To thwart procrastination, write down what you want to achieve during this time. Be specific: include names of people you need to speak to and proposed accomplishment dates for each task. Update and refer to it regularly. Apathy’s enemy is a detailed and well-thought-out plan.

Go forward
Get professional assistance, talk to friends, and find others who are in like circumstances. It is too easy to think you are alone in this—support is key. Vent to those who can empathize; ask for help from those who can assist. Shock, shame, and anger are normal and feeling these emotions is expected. But by adopting a positive attitude and taking pragmatic steps, you can adapt to a reduced income, and achieve a financially stable future.

This content and access to our Financial First Aid booklet is provided by our partners at Balance . Access more educational tools and resources at penair.org/Balance

March 27, 2020 – Scams and Fraud, Part II Opened EntryClosed Entry

Today’s updates:

Once again our friends from the Federal Trade Commission (FTC) have some very insightful information we’d like to share with you.

Avoid Coronavirus Scams – Part Two

We shared with you on Wednesday some initial scam information relative to COVID-19 (Coronavirus). Today we have some additional information from our friends at the Federal Trade Commission (FTC). Scammers don’t take a break so let’s do our part to protect ourselves and our personal information.

Undelivered goods

Online sellers claim they have in-demand products, like cleaning, household, and health and medical supplies. You place an order, but you never get your shipment. Anyone can set up shop online under almost any name — including scammers.

What to do: Check out the seller by searching online for the person or company’s name, phone number and email address, plus words like “review,” “complaint” or “scam.” If everything checks out, pay by credit card and keep a record of your transaction. If you’re concerned about the pricing of products in your area, contact your state consumer protection officials. For a complete list of state Attorneys General, visit naag.org.

 Fake charities

When a major health event — like the Coronavirus — happens, you might be looking for ways to help. Scammers use the same events to take advantage of your generosity. Some scammers use names that sound a lot like the names of real charities. This is one reason it pays to do some research before giving. Money lost to bogus charities means less donations to help those in need.

What to do: Use these organizations to help you research charities. When you give, pay safely by credit card — never by gift card or wire transfer.

 Fake emails, texts and phishing

Scammers use fake emails or texts to get you to share valuable personal information — like account numbers, Social Security numbers, or your login IDs and passwords. They use your information to steal your money, your identity, or both. They also use phishing emails to get access to your computer or network. If you click on a link, they can install ransomware or other programs that can lock you out of your data. Scammers often use familiar company names or pretend to be someone you know. Here’s a real-world example of a scam where phishers pretend to be the World Health Organization (WHO).

A fake email has the logo of the World Health Organization on it. (Sophos Ltd.)

Safety Measures from the World Health Organization. Get the latest updates from Pen Air

Other scammers have used real information to infect computers with malware. For example, malicious websites used the real Johns Hopkins University interactive dashboard of Coronavirus infections and deaths to spread password-stealing malware.

What to do: Protect your computer by keeping your software up to date and by using security software, your cell phone by setting software to update automatically, your accounts by using multi-factor authentication, and your data by backing it up.


Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes.

What to do: Hang up. Don’t press any numbers. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.

 Misinformation and rumors

Scammers, and sometimes well-meaning people, share information that hasn’t been verified.

What to do: Before you pass on any messages, and certainly before you pay someone or share your personal information, do some fact checking by contacting trusted sources. For information related to the Coronavirus, visit What the U.S. Government is Doing. There you’ll find links to federal, state and local government agencies.

 To learn more, visit:

Want more information on the latest scams we’re seeing? Sign up for our consumer alerts. If you come across any scams or suspicious claims, report them to the FTC at ftc.gov/complaint.

Our next communication will be on Tuesday, March 31.

March 25, 2020 – Scams and Fraud, Part I Opened EntryClosed Entry

Today’s Updates:

Although our day-to-day lives have been somewhat turned upside down, the mission at Pen Air FCU remains the same; Enhancing Lives through Exceptional Service, Strength, and Financial Solutions.

As we continue to mitigate these uncharted waters, know that Pen Air is here for you, and we’ll get through this together.

In today’s update, we’d like to educate you on some potential scams related to the Coronavirus. Below is some wonderful information from our friends at the Federal Trade Commission (FTC) on this topic.

Avoid Coronavirus Scams – Part One

Here are some tips to help you keep the scammers at bay:

  • Hang up on robocalls. Don’t press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.
  • Fact-check information. Scammers, and sometimes well-meaning people, share information that hasn’t been verified. Before you pass on any messages, contact trusted sources. Visit What the U.S. Government is Doing for links to federal, state and local government agencies.
  • Know who you’re buying from. Online sellers may claim to have in-demand products, like cleaning, household, and health and medical supplies when, in fact, they don’t.
  • Don’t respond to texts and emails about checks from the government. The details are still being worked out. Anyone who tells you they can get you the money now is a scammer.
  • Don’t click on links from sources you don’t know. They could download viruses onto your computer or device.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying they have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Ignore online offers for vaccinations. There currently are no vaccines, pills, potions, lotions, lozenges or other prescription or over-the-counter products available to treat or cure Coronavirus disease 2019 (COVID-19) — online or in stores.
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.

Our next Update will be on Friday, March 27, 2020.

March 23, 2020 – Emergnecy Relief Options Opened EntryClosed Entry

Today’s Updates:

As we navigate the challenges presented to all of us as a result of COVID-19 Pen Air is here for you, providing solutions for you and your family. We know that some of you are being impacted financially as a result of COVID-19 and we’re here to help.

Emergency Relief Options
We have three emergency relief options available to members during the current health threat.

  • Loan Deferments
  • Small Business Loans
  • Emergency Relief Loan

Loan Deferments
Loan deferment options are available for those members who have been financially impacted by COVID-19. Call 850.505.3200 and ask for the Credit Resolution Department at ext: 7250.

Small Business Loans
Small Business Development Center has Federal Disaster Loans available for small businesses in both Alabama and Florida.

On Monday, March 16, 2020, Governor DeSantis announced the activation of the Florida Small Business Emergency Bridge Loan Program.

  • This program is available to small business owners in Florida that experienced economic damage as a result of the COVID-19 outbreak.
  • Loans are available up to $50,000 per eligible small business. Loans of up to $100,000 may be made in special cases.
  • Term is one year.
  • Interest-free for one year. 12% annually on any unpaid balance thereafter.
  • For-profit employers with 2-100 employees that maintain a place of business in Florida and can show financial harm due to the COVID-19 outbreak.
  • Application deadline is May 8, 2020.
  • Learn more by visiting floridadisasterloan.org

Emergency Relief Loan
Being there for our members is our top priority. Members who have been financially impacted by COVID-19 are eligible for a 0% APR loan with re-payment terms up to 12 months*.  Apply today.

Thank you for your continued patience, flexibility, and for being a loyal Pen Air Member. We are with you every step of the way.

©2020 Pen Air Federal Credit Union. NMLS#413053. APR=Annual Percentage Rate. *Terms and conditions subject to change without notice. Must be a Pen Air FCU member as of 3/11/2020 and 18 years of age or older. Maximum loan amount is $4,000. A $4,000 loan with an APR of 0% for 12 months will have an estimated monthly payment of $333.34. Subject to credit approval.

March 21, 2020 – Updated Hours / Financial Needs Solutions Chart Opened EntryClosed Entry

Today’s Updates:

As you know, we made the decision to close all our lobby locations starting Monday, March 23, 2020, while keeping our Drive Thru and Pen Air LIVE Drive Thru locations open. Today we have made the decision to extend our hours of operation.

Effective Monday, March 23, 2020 hours of operation are as follows:

Monday- Friday 7am – 8pm
Saturday 9am – 2pm

We imagine you have many questions about how you can conduct your financial business during this time. Please know that Pen Air is committed to providing exceptional service during this unprecedented and often changing time, while strictly following the guidelines of local and state government, the Centers for Disease Control (CDC), and the World Health Organization (WHO) to ensure your safety and the safety of our staff.

Rest assured that any direct deposits we receive from issuers will be processed and posted to your account. We also want to remind you that your money is federally insured. Learn more by visiting the NCUA.

The chart below contains some of the most common financial needs you may have, along with where you can access solutions for them as we work through this current health threat.

We are here for you during this difficult time with solutions to meet your financial needs.
Thank you for your continued patience, flexibility, and for being a loyal Pen Air Member. We are with you every step of the way. Our next Member Update will be on Monday, March 23, 2020.

March 18, 2020 – Branch Lobbies Closing Opened EntryClosed Entry

Today’s Updates:

You can trust that Pen Air is doing its part to closely monitor the emerging COVID-19 (Coronavirus) public health threat in our area and taking precautions to ensure the utmost safety for our staff, our members, and our community. There is a large amount of information about the virus available at cdc.gov/COVID19 and also the Florida Department of Health has launched a dashboard available here.

We are implementing plans for staff who can work from home to do so in order for us to provide exceptional service to you and our coworkers.

Effective Monday, March 23, 2020all Pen Air branch lobbies will be closed; however, all drive-thru and Pen Air Live drive-thru locations will remain open during their normal business hours.

We have also made decisions on the following upcoming events:

  • The 20th Annual Friends of the Navy-Marine Corps Relief Society Golf Tournament, scheduled for March 27th, has been cancelled. All funds collected will be donated to the Navy-Marine Corps Relief Society at a later date.
  • The Annual Meeting, scheduled for April 23rd, has been postponed until further notice.

If you require a face-to-face meeting, please call our Member Service Center at 850.505.3200 or Toll-Free 877.473.6247 to schedule an appointment. Our Member Service Center is available Monday-Friday 7am-6pm and Saturday 9am-2pm.

Where can I go for my banking needs? Drive-Thru's, ATMs, Pen Air Live Machines, Download our Mobile App today
Our plan is to provide updates every 2-3 days, or sooner if necessary. For a complete list of branch locations and hours of operation please visit penair.org/Locations.

Now you’re probably wondering “Where do I go for my banking needs?” Well we’ve created this infographic to help you with some of the most frequent service needs.

If you are not utilizing our Online Banking or Mobile Banking products, please visit penair.org/Access to learn more about how you can bank from the safety of your home.

We’ll get through this together. Please know that Pen Air is here to ensure the safety and security of our staff, members, and your finances during this time. Thank you for being a valued Pen Air member.

March 13, 2020 – COVID-19: What Steps We Are Taking Opened EntryClosed Entry

Today’s Updates:

We are closely monitoring and following the recommendations from the Center of Disease Control (CDC) to help stop the spreading of COVID-19 amongst our staff and members.

Here Are Some Steps We’re Taking

With the recent announcement of a case in Santa Rosa, we felt it was important to make you aware of what we are doing to help reduce the threat and spreading of COVID-19.

  • We’ve incorporated an enhanced cleaning process of all our locations and asked our cleaning team to provide more extensive cleanings – specifically on hard and frequently touched surfaces.
  • We’ve placed hand sanitizer stations at each of our locations so that you can utilize these stations when entering and exiting our buildings.
  • We are reviewing our pandemic plan to ensure there are no needed changes and to determine the triggers that would cause us to implement these plans.

Here Are Some Steps You Can Take

We know that keeping your financial resources flowing are important to you. In the event you are impacted by a quarantine, are uncomfortable going to public places, or we end up having to consolidate our services to a few locations and our employees can’t get to work, here are some things to consider:

  • If you don’t have direct deposit set up, consider doing that right away.
  • If you’re not an online banking user, please consider getting that set up as well.  Any of our locations or our member service center are available to help you. You’ll be able to check your balances, transfer funds, pay your bills and many other items from the comfort of your home. Learn more by visiting penair.org/Access.
  • If you haven’t done so already, download our Mobile App. In addition to the things you can do through online banking, through the app you can deposit a check using your phone’s camera.
  • Have you tried one of our Pen Air Live machines?  Most of our locations have the Live machines in their drive-up lanes.  Personal service by one of our representatives is available from 7am-7pm Monday thru Friday and 9am-1pm on Saturday all from the convenience of your vehicle. Pretty much any transaction you do at a teller line you can do at a Live machine. They also function as an ATM 24/7. You can learn more by visiting penair.org/Live.

Here Are Some Wellness Tips

  • Wash your hands with soap and water frequently, for 20 seconds or more.
  • Avoid touching your face, eyes, ears, mouth, and nose.
  • Practice social distance by maintaining a 6’-8’ distance between you and anyone coughing or sneezing.
  • Sneeze or cough into your elbow or a tissue and then wash your hands immediately.
  • Drink plenty of water, eat a healthy and nutritious diet, get plenty of rest, exercise, and try and reduce your stress.

In the meantime, please know that we will be here for you through this current health situation, a weather event, or any other situation that might come your way.

Pen Air will continue to keep you updated through our social media channels and our website so if you are not following us on Facebook, Instagram, Twitter, or LinkedIn please do.

Hopefully this situation will soon be behind us but taking these steps to have access to your accounts with Pen Air through our various digital channels will give you the best flexibility regardless of the situation.