At Pen Air Federal Credit Union respect is a guiding principle. An unshakeable belief in dreams and the can-do attitudes that make them real. As the largest and oldest local credit union in Pensacola, Florida with $1.2 billion in assets, we are dedicated to enhancing lives through exceptional service, strength and financial solutions. We currently have 18 locations in Northwest Florida and Southeast Alabama, including three student-run credit unions at area high schools. We are a not-for-profit, member-owned financial institution, serving our community and improving since 1936.


Mission Statement

Enhancing Lives through Exceptional Service, Strength and Financial Solutions.


Vision Statement

Be the financial services provider and employer of choice through our commitment to:

  • A culture of TRUST and RESPECT
  • A team of ENGAGED and KNOWLEDGEABLE professionals
  • Timely, accurate and PERSONALIZED SERVICE
  • Financial STRENGTH and STABILITY
  • Organizational EFFICIENCY

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Bauer Financial Logo. Pen Air has received a 5 Star Rating

Having achieved Bauer Financial's highest rating for the last 111 consecutive quarters, Pen Air has also been given "Best of Bauer" status, a designation reserved only for those Credit Unions that have earned a 5-Star rating for 25 straight years or longer. A 5-Star rating by Bauer indicated that Pen Air is one of the strongest credit unions in the nation, excelling in such areas as capital, loan quality, profitability and much more.

Statistical Highlights

As of February 28, 2018      
Assets $1,382,688,450.98
Loans $823,417,670.11
Total Deposits $1,192,258,462.92
Total Members