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X-WR-CALNAME:PenAir Credit Union
X-ORIGINAL-URL:https://www.penair.org
X-WR-CALDESC:Events for PenAir Credit Union
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BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260505T123000
DTEND;TZID=America/Chicago:20260505T133000
DTSTAMP:20260423T035153
CREATED:20260309T200501Z
LAST-MODIFIED:20260309T202814Z
UID:10000185-1777984200-1777987800@www.penair.org
SUMMARY:Becoming a Homeowner I - Preparing for Homeownership
DESCRIPTION:Buying a home is one of the biggest financial decisions you’ll ever make—and preparation is key. This session focuses on helping you understand what it takes to be ready for homeownership\, from assessing your financial situation to navigating the pre-purchase process. You’ll gain the tools and knowledge you need to confidently take your first steps toward owning a home. \nKey Objectives: \n\nAssess their financial readiness for buying a home\, including credit\, debt\, and savings\nUnderstand the importance of budgeting for upfront and ongoing homeownership costs\nExplain key steps in the pre-purchase process\nIdentify potential obstacles (like credit issues or debt) and steps to address them\nCreate a personal action plan to prepare for homeownership with confidence\n\nWho Should Attend: \n\nFirst-time homebuyers considering purchasing within the next 1–3 years\nRenters who want to understand the steps to becoming a homeowner\nIndividuals or couples who want to get their finances mortgage-ready\nAnyone interested in learning what lenders look for in a qualified buyer
URL:https://www.penair.org/event/becoming-a-homeowner-i-preparing-for-homeownership/2026-05-05/
LOCATION:
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/May_1920x1080-1.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260514T160000
DTEND;TZID=America/Chicago:20260514T170000
DTSTAMP:20260423T035153
CREATED:20260309T200501Z
LAST-MODIFIED:20260309T202814Z
UID:10000186-1778774400-1778778000@www.penair.org
SUMMARY:Becoming a Homeowner I - Preparing for Homeownership
DESCRIPTION:Buying a home is one of the biggest financial decisions you’ll ever make—and preparation is key. This session focuses on helping you understand what it takes to be ready for homeownership\, from assessing your financial situation to navigating the pre-purchase process. You’ll gain the tools and knowledge you need to confidently take your first steps toward owning a home. \nKey Objectives: \n\nAssess their financial readiness for buying a home\, including credit\, debt\, and savings\nUnderstand the importance of budgeting for upfront and ongoing homeownership costs\nExplain key steps in the pre-purchase process\nIdentify potential obstacles (like credit issues or debt) and steps to address them\nCreate a personal action plan to prepare for homeownership with confidence\n\nWho Should Attend: \n\nFirst-time homebuyers considering purchasing within the next 1–3 years\nRenters who want to understand the steps to becoming a homeowner\nIndividuals or couples who want to get their finances mortgage-ready\nAnyone interested in learning what lenders look for in a qualified buyer
URL:https://www.penair.org/event/becoming-a-homeowner-i-preparing-for-homeownership/2026-05-14/
LOCATION:
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/May_1920x1080-1.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260602T123000
DTEND;TZID=America/Chicago:20260602T133000
DTSTAMP:20260423T035153
CREATED:20260309T201034Z
LAST-MODIFIED:20260309T202917Z
UID:10000187-1780403400-1780407000@www.penair.org
SUMMARY:Becoming a Homeowner II - The Mortgage & Buying Process
DESCRIPTION:Once you’re financially ready\, the next step in becoming a homeowner is understanding the mortgage and\nhomebuying process so you can make confident\, informed decisions. This session walks you through everything from comparing mortgage options to making an offer and closing on your home. You’ll learn how to avoid common mistakes and ensure your purchase supports your long-term financial health. \nKey Objectives: \n\nExplain key mortgage terms and compare common loan types\nUnderstand how interest rates\, points\, and fees impact the total cost of a mortgage\nNavigate the steps from pre-approval to closing with confidence\nEvaluate home types and make offers that align with their budget and goals\nIdentify red flags to avoid during the purchase process and protect their investment\n\nWho should attend: \n\nIndividuals or couples actively searching for a home\nFirst-time homebuyers navigating the mortgage process\nAnyone comparing financing options and wanting to make the smartest choice\nBuyers who want to feel confident about making offers and negotiating\nAnyone who has attended session I and want to continue learning
URL:https://www.penair.org/event/becoming-a-homeowner-ii-the-mortgage-buying-process/2026-06-02/
LOCATION:
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Jun_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260611T160000
DTEND;TZID=America/Chicago:20260611T170000
DTSTAMP:20260423T035153
CREATED:20260309T201034Z
LAST-MODIFIED:20260309T202917Z
UID:10000188-1781193600-1781197200@www.penair.org
SUMMARY:Becoming a Homeowner II - The Mortgage & Buying Process
DESCRIPTION:Once you’re financially ready\, the next step in becoming a homeowner is understanding the mortgage and\nhomebuying process so you can make confident\, informed decisions. This session walks you through everything from comparing mortgage options to making an offer and closing on your home. You’ll learn how to avoid common mistakes and ensure your purchase supports your long-term financial health. \nKey Objectives: \n\nExplain key mortgage terms and compare common loan types\nUnderstand how interest rates\, points\, and fees impact the total cost of a mortgage\nNavigate the steps from pre-approval to closing with confidence\nEvaluate home types and make offers that align with their budget and goals\nIdentify red flags to avoid during the purchase process and protect their investment\n\nWho should attend: \n\nIndividuals or couples actively searching for a home\nFirst-time homebuyers navigating the mortgage process\nAnyone comparing financing options and wanting to make the smartest choice\nBuyers who want to feel confident about making offers and negotiating\nAnyone who has attended session I and want to continue learning
URL:https://www.penair.org/event/becoming-a-homeowner-ii-the-mortgage-buying-process/2026-06-11/
LOCATION:
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Jun_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260617T100000
DTEND;TZID=America/Chicago:20260617T140000
DTSTAMP:20260423T035153
CREATED:20260421T143420Z
LAST-MODIFIED:20260422T163716Z
UID:10000201-1781690400-1781704800@www.penair.org
SUMMARY:Fort Walton Beach Grand Opening Celebration
DESCRIPTION:The Ribbon Cutting/Grand Opening of our Fort Walton Location is June 17\, 2026 from 10:00 am to 2:00 pm. \nIf you’re lucky\, you’ll walk away with a brand new Big Green Egg Mini Max Grill* in the Fort Walton Grand Beach Grand Opening Sweepstakes! \nHow to Enter: Visit our new Fort Walton Branch at 80 Eglin Pkwy NE\, Fort Walton Beach\, FL 32548\, fill out the official entry form\, and drop it in the entry box provided. Sweepstakes runs June 17\,2026. \nThis event is open to the public and offers the perfect opportunity to explore our new branch\, meet the PenAir team\, and connect with your community. We can’t wait to celebrate with you! \n  \n*Fort Walton Beach Grand Opening Sweepstakes Official Rules and Conditions
URL:https://www.penair.org/event/fort-walton-beach-grand-opening-celebration/
LOCATION:PenAir Credit Union – Fort Walton Branch\, 80 Eglin Pkwy NE\, Fort Walton Beach\, FL\, 32548\, United States
CATEGORIES:Community
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/FeatureImage_FWB-Sidewalk-w-Marquee.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260707T123000
DTEND;TZID=America/Chicago:20260707T133000
DTSTAMP:20260423T035153
CREATED:20260309T201706Z
LAST-MODIFIED:20260309T202857Z
UID:10000189-1783427400-1783431000@www.penair.org
SUMMARY:Mindful Budgeting: Aligning Spending with Your Values
DESCRIPTION:Everyone wants more control over their financial life — and the key to getting there is a budget. In this session\, you’ll discover how to build a realistic spending plan that works for your lifestyle\, supports your goals\, and helps you stay on track. Participants will learn how to set short- and long-term financial goals\, allocate income intentionally\, and create a budget that sticks. \nKey Objectives: \n\nIdentify short- and long-term financial goals\nAnalyze current spending habits and spot areas for improvement\nBuild a realistic\, flexible budget that fits their income and lifestyle\nAllocate money toward savings\, debt repayment\, and future goals\nUse practical tools to track progress and stay accountable\n\nWho should attend: \n\nIndividuals or families who feel their money “disappears” each month\nAnyone living paycheck-to-paycheck and ready to take control\nPeople who want to align their spending with their priorities and goals\nThose working toward saving\, debt repayment\, or other financial milestones
URL:https://www.penair.org/event/mindful-budgeting-aligning-spending-with-your-values/2026-07-07/
LOCATION:
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Jul_1920x1080-1.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260716T160000
DTEND;TZID=America/Chicago:20260716T170000
DTSTAMP:20260423T035153
CREATED:20260309T201706Z
LAST-MODIFIED:20260309T202857Z
UID:10000190-1784217600-1784221200@www.penair.org
SUMMARY:Mindful Budgeting: Aligning Spending with Your Values
DESCRIPTION:Everyone wants more control over their financial life — and the key to getting there is a budget. In this session\, you’ll discover how to build a realistic spending plan that works for your lifestyle\, supports your goals\, and helps you stay on track. Participants will learn how to set short- and long-term financial goals\, allocate income intentionally\, and create a budget that sticks. \nKey Objectives: \n\nIdentify short- and long-term financial goals\nAnalyze current spending habits and spot areas for improvement\nBuild a realistic\, flexible budget that fits their income and lifestyle\nAllocate money toward savings\, debt repayment\, and future goals\nUse practical tools to track progress and stay accountable\n\nWho should attend: \n\nIndividuals or families who feel their money “disappears” each month\nAnyone living paycheck-to-paycheck and ready to take control\nPeople who want to align their spending with their priorities and goals\nThose working toward saving\, debt repayment\, or other financial milestones
URL:https://www.penair.org/event/mindful-budgeting-aligning-spending-with-your-values/2026-07-16/
LOCATION:
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Jul_1920x1080-1.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260804T123000
DTEND;TZID=America/Chicago:20260804T133000
DTSTAMP:20260423T035153
CREATED:20260309T202638Z
LAST-MODIFIED:20260309T202844Z
UID:10000191-1785846600-1785850200@www.penair.org
SUMMARY:Raising Financially Mindful Teens
DESCRIPTION:The teen years are a critical time for developing financial independence. This workshop supports parents and teens in navigating real-world money decisions such as spending\, saving\, earning\, and credit awareness. Through practical tools and guided discussion\, participants learn how to foster confidence\, responsibility\, and mindful financial decision-making. \nKey Objectives: \n\nIdentify key money skills teens need to build financial independence.\nUnderstand how spending\, saving\, earning\, and credit awareness apply to real-life teen experiences.\nUse practical tools to support confident and responsible money decisions.\nApply strategies for having productive\, age-appropriate money conversations between parents\nand teens.\n\nWho should attend: \n\nParents or caregivers of teens who want to support healthy financial habits.\nTeens preparing to manage money independently.\nFamilies looking to build shared understanding and open dialogue around money.\nAnyone preparing for financial independence for the first time\nEducators\, coaches\, or mentors guiding teens in life skills
URL:https://www.penair.org/event/raising-financially-mindful-teens/2026-08-04/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Aug_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260813T160000
DTEND;TZID=America/Chicago:20260813T170000
DTSTAMP:20260423T035153
CREATED:20260309T202638Z
LAST-MODIFIED:20260309T202844Z
UID:10000192-1786636800-1786640400@www.penair.org
SUMMARY:Raising Financially Mindful Teens
DESCRIPTION:The teen years are a critical time for developing financial independence. This workshop supports parents and teens in navigating real-world money decisions such as spending\, saving\, earning\, and credit awareness. Through practical tools and guided discussion\, participants learn how to foster confidence\, responsibility\, and mindful financial decision-making. \nKey Objectives: \n\nIdentify key money skills teens need to build financial independence.\nUnderstand how spending\, saving\, earning\, and credit awareness apply to real-life teen experiences.\nUse practical tools to support confident and responsible money decisions.\nApply strategies for having productive\, age-appropriate money conversations between parents\nand teens.\n\nWho should attend: \n\nParents or caregivers of teens who want to support healthy financial habits.\nTeens preparing to manage money independently.\nFamilies looking to build shared understanding and open dialogue around money.\nAnyone preparing for financial independence for the first time\nEducators\, coaches\, or mentors guiding teens in life skills
URL:https://www.penair.org/event/raising-financially-mindful-teens/2026-08-13/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Aug_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260901T123000
DTEND;TZID=America/Chicago:20260901T133000
DTSTAMP:20260423T035153
CREATED:20260309T203435Z
LAST-MODIFIED:20260309T203435Z
UID:10000193-1788265800-1788269400@www.penair.org
SUMMARY:Buy It or Lease It? Driving Through Your Options
DESCRIPTION:Purchasing or leasing a vehicle is a decision that impacts your budget\, lifestyle\, and long-term financial goals. In this informative workshop\, we’ll navigate the pros\, cons\, and hidden considerations behind each choice. Whether you’re looking for a personal car or an upgrade\, you’ll gain the insights you need to make a confident\, informed decision. \nKey Objectives: \n\nIdentify the benefits and drawbacks of buying versus leasing a vehicle.\nCompare the total cost of ownership for both options over time.\nUnderstand how lifestyle\, driving habits\, and mileage impact your choice.\nRecognize tax\, insurance\, and financing considerations for each option.\n\nWho should attend: \n\nIndividuals preparing to purchase or lease a personal vehicle.\nSmall business owners considering fleet or company car options.\nFinancial advisors or consultants helping clients make vehicle decisions.\nCar enthusiasts weighing long-term financial implications of ownership.\nAnyone interested in maximizing value and avoiding costly mistakes in vehicle acquisition.
URL:https://www.penair.org/event/buy-it-or-lease-it-driving-through-your-options/2026-09-01/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Sept_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20260910T160000
DTEND;TZID=America/Chicago:20260910T170000
DTSTAMP:20260423T035153
CREATED:20260309T203435Z
LAST-MODIFIED:20260309T203435Z
UID:10000194-1789056000-1789059600@www.penair.org
SUMMARY:Buy It or Lease It? Driving Through Your Options
DESCRIPTION:Purchasing or leasing a vehicle is a decision that impacts your budget\, lifestyle\, and long-term financial goals. In this informative workshop\, we’ll navigate the pros\, cons\, and hidden considerations behind each choice. Whether you’re looking for a personal car or an upgrade\, you’ll gain the insights you need to make a confident\, informed decision. \nKey Objectives: \n\nIdentify the benefits and drawbacks of buying versus leasing a vehicle.\nCompare the total cost of ownership for both options over time.\nUnderstand how lifestyle\, driving habits\, and mileage impact your choice.\nRecognize tax\, insurance\, and financing considerations for each option.\n\nWho should attend: \n\nIndividuals preparing to purchase or lease a personal vehicle.\nSmall business owners considering fleet or company car options.\nFinancial advisors or consultants helping clients make vehicle decisions.\nCar enthusiasts weighing long-term financial implications of ownership.\nAnyone interested in maximizing value and avoiding costly mistakes in vehicle acquisition.
URL:https://www.penair.org/event/buy-it-or-lease-it-driving-through-your-options/2026-09-10/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Sept_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20261006T123000
DTEND;TZID=America/Chicago:20261006T133000
DTSTAMP:20260423T035153
CREATED:20260309T203945Z
LAST-MODIFIED:20260309T203945Z
UID:10000195-1791289800-1791293400@www.penair.org
SUMMARY:Tap Into Wise Credit Card Use
DESCRIPTION:Credit cards are part of everyday life but using them well requires more than knowing the basics. This session helps participants understand the habits and mindsets that shape their spending—and how small changes can make credit cards work for them\, not against them. This session offers clear guidance\, practical tips\, and simple ways to build healthier credit behaviors that support long-term financial confidence. \nKey Objectives: \n\nAn easy-to-follow look at how attitudes and habits influence credit card decisions.\nPractical strategies for avoiding common credit pitfalls and keeping spending on track.\nTips for using credit cards in ways that support personal goals and financial wellbeing.\nA straightforward breakdown of how credit scores work and how to build them responsibly.\nGuidance on getting value from rewards without creating financial stress.\n\nWho should attend: \n\nAnyone who wants to feel more confident using credit cards.\nPeople looking to build better spending habits or reduce credit-related stress.\nNew or experienced credit card users who want clear\, practical tips.\nIndividuals interested in improving their credit profile in a balanced\, sustainable way.
URL:https://www.penair.org/event/tap-into-wise-credit-card-use-3/2026-10-06/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Oct_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20261015T160000
DTEND;TZID=America/Chicago:20261015T170000
DTSTAMP:20260423T035153
CREATED:20260309T203945Z
LAST-MODIFIED:20260309T203945Z
UID:10000196-1792080000-1792083600@www.penair.org
SUMMARY:Tap Into Wise Credit Card Use
DESCRIPTION:Credit cards are part of everyday life but using them well requires more than knowing the basics. This session helps participants understand the habits and mindsets that shape their spending—and how small changes can make credit cards work for them\, not against them. This session offers clear guidance\, practical tips\, and simple ways to build healthier credit behaviors that support long-term financial confidence. \nKey Objectives: \n\nAn easy-to-follow look at how attitudes and habits influence credit card decisions.\nPractical strategies for avoiding common credit pitfalls and keeping spending on track.\nTips for using credit cards in ways that support personal goals and financial wellbeing.\nA straightforward breakdown of how credit scores work and how to build them responsibly.\nGuidance on getting value from rewards without creating financial stress.\n\nWho should attend: \n\nAnyone who wants to feel more confident using credit cards.\nPeople looking to build better spending habits or reduce credit-related stress.\nNew or experienced credit card users who want clear\, practical tips.\nIndividuals interested in improving their credit profile in a balanced\, sustainable way.
URL:https://www.penair.org/event/tap-into-wise-credit-card-use-3/2026-10-15/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Oct_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20261110T123000
DTEND;TZID=America/Chicago:20261110T133000
DTSTAMP:20260423T035153
CREATED:20260309T204311Z
LAST-MODIFIED:20260309T204311Z
UID:10000197-1794313800-1794317400@www.penair.org
SUMMARY:The Sandwich Generation: Strategies for Multigenerational Caregivers
DESCRIPTION:Caring for both children and aging loved ones can strain time\, finances\, and emotional wellbeing. This workshop helps multigenerational caregivers understand competing financial demands\, plan proactively\, and access resources. Participants learn strategies to reduce stress\, set boundaries\, and support stability for themselves and their families. \nKey Objectives: \n\nIdentify the financial challenges unique to multigenerational caregiving.\nUnderstand competing financial priorities and how to plan for them proactively.\nApply strategies to reduce financial and emotional stress while setting healthy boundaries.\nIdentify resources and tools that support long-term stability for caregivers and families.\n\nWho should attend: \n\nIndividuals caring for both children and aging loved ones.\nMultigenerational caregivers seeking practical financial guidance and support.\nAnyone balancing caregiving responsibilities while managing household finances.
URL:https://www.penair.org/event/the-sandwich-generation-strategies-for-multigenerational-caregivers/2026-11-10/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Nov_1920x1080.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20261119T160000
DTEND;TZID=America/Chicago:20261119T170000
DTSTAMP:20260423T035153
CREATED:20260309T204311Z
LAST-MODIFIED:20260309T204311Z
UID:10000198-1795104000-1795107600@www.penair.org
SUMMARY:The Sandwich Generation: Strategies for Multigenerational Caregivers
DESCRIPTION:Caring for both children and aging loved ones can strain time\, finances\, and emotional wellbeing. This workshop helps multigenerational caregivers understand competing financial demands\, plan proactively\, and access resources. Participants learn strategies to reduce stress\, set boundaries\, and support stability for themselves and their families. \nKey Objectives: \n\nIdentify the financial challenges unique to multigenerational caregiving.\nUnderstand competing financial priorities and how to plan for them proactively.\nApply strategies to reduce financial and emotional stress while setting healthy boundaries.\nIdentify resources and tools that support long-term stability for caregivers and families.\n\nWho should attend: \n\nIndividuals caring for both children and aging loved ones.\nMultigenerational caregivers seeking practical financial guidance and support.\nAnyone balancing caregiving responsibilities while managing household finances.
URL:https://www.penair.org/event/the-sandwich-generation-strategies-for-multigenerational-caregivers/2026-11-19/
LOCATION:FL
CATEGORIES:Seminar
ATTACH;FMTTYPE=image/jpeg:https://www.penair.org/files/Nov_1920x1080.jpg
END:VEVENT
END:VCALENDAR