Branch Closures

In observance of Presidents’ Day, all PenAir locations will be closed on Monday, February 16. As always, members can still access their accounts 24/7 via our mobile app or online.

Branch Closures

In observance of Presidents’ Day, all PenAir locations will be closed on Monday, February 16. As always, members can still access their accounts 24/7 via our mobile app or online.

Routing Number: 263281695

Schedule an appointment

Do you want an in-person or virtual appointment?

In-Branch Appointment

Jump the queue and set aside time to address your financial priorities.

Book in-branch appointment

Virtual Appointment

Save the drive and meet with PenAir via phone or video.

Book virtual appointment

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.

Digital Banking

Routing Number: 263281695

Schedule an appointment

Do you want an in-person or virtual appointment?

In-Branch Appointment

Jump the queue and set aside time to address your financial priorities.

Book in-branch appointment

Virtual Appointment

Save the drive and meet with PenAir via phone or video.

Book virtual appointment

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.

< Return to Help

How do I change my Traditional IRA to a Roth IRA?

Changing or recharacterizing a previous Traditional IRA contribution to a Roth IRA contribution often involves complex income calculations. In addition, specific tax rules apply when you convert your Traditional IRA to a Roth IRA.

Please contact an IRA Specialist at PenAir Credit Union for assistance with this process.

If you are considering a conversion, you’ll need to determine if a Roth IRA conversion makes sense for you. To help with your questions, refer to the links on the right side of this page.