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How will membership eligibility change?

Making this change allows us to remove barriers to membership, creating more ease and less friction to bank with PenAir! This means that anyone who lives, works, worships, or goes to school in the approved service area will be eligible to open an account.

Previously, for an individual to become a member, the person would need to qualify through one of our Select Employer Groups (SEG).

The expanded membership area now includes the following counties:


  • Baldwin, Alabama
  • Mobile, Alabama


  • Bay, Florida
  • Calhoun, Florida
  • Escambia, Florida
  • Franklin, Florida
  • Gadsden, Florida
  • Gulf, Florida
  • Holmes, Florida
  • Jackson, Florida
  • Leon, Florida
  • Liberty, Florida
  • Okaloosa, Florida
  • Santa Rosa, Florida
  • Wakulla, Florida
  • Walton, Florida
  • Washington, Florida

Otherwise individuals can open an account under our Friends of the Navy Marine Corps. Relief Society select employer group (SEG).

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