Now Open!

Pen Air is happy to announce that on May 20, we opened the doors to our newest location, 220 West Garden Street. To better serve its members, Pen Air made the decision to consolidate the former Palafox and Gregory locations into what will be known as the Garden Street location inside the Studer Community Institute. 

The branch is approximately 3,800 square feet of space, featuring the latest in banking technology with Pen Air LIVE (Live Interactive Video Experience) teller machines in the remote drive thru lanes, free-standing teller pod stations with state of the art equipment to serve members’ transactional needs and member advising offices to service all other financial needs for its members. With an open and inviting concept, the lobby is designed with brightly branded colors, warm woods and textures, along with state of the art fixtures to create a welcoming ambiance. Members will enjoy the comfortable lounge area that includes a beverage center. The building was designed with social responsibility in mind, to be energy efficient and include LED lighting. The location will house 11 employees. 

The hours of operation are as follows:

  • Lobby: 9 a.m. to 5 p.m. Monday - Friday
  • LIVE Drive Thru: 7 a.m. to 7 p.m. Monday - Friday, and Saturday 9 a.m. to 1 p.m.
  • ATM Access: Available 24/7 

Grand Opening:

Join us on Friday, June 14 from 11 a.m. until 1 p.m. for free BBQ served in partnership with Pensacola Eggfest.


Ask us how you can enter for a chance to win one of two Garden Street Grand Opening Sweepstakes Prizes!

  • 1st Grand Prize: $1,000 Visa® Gift Card
  • 2nd Grand Prize: Big Green Egg®, Mini Max Grill

Official Sweepstakes Rules


Grow Your Money:

You deserve to go after your dreams. Take advantage today of these limited time offers!

Offer Rate Offer Availability

Personal Loan


As low as 5.90% APR1

No payment for 90 days2

6/1/19 - 7/31/19


13 Month Certificate 2.25% APY* 6/1/19 - 7/31/19






Personal Loan Disclosure: © 2019 Pen Air Federal Credit Union. NMLS#413053. 1APR = Annual Percentage Rate. Rates as low as 5.90% APR. No application fee or prepayment penalty. Maximum loan amount is $25,000. A $5,000 personal loan for 5 years at 8.90% APR will have a monthly payment of $103.56. All rates are based on an evaluation of credit history, so your rate may differ. 2Interest will still accrue with the NO Payment for 90 Days offer. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Rates not applicable for existing Pen Air Loans. Call toll-free 1.877.4PENAIR for complete details. 

Certificate Disclosure: ©2019 Pen Air Federal Credit Union. Federally Insured by NCUA. *APY = Annual Percentage Yield. The APY is an annualized rate that reflects the estimated dividend earnings based on the dividend rate and frequency of compounding. Dividends are compounded daily and credited monthly. This offer is valid 6/1/19 through 7/31/19. Minimum opening balance is $500. Certificate Account will not automatically renew at maturity and will transfer to a Savings Account. Penalties may apply for early withdrawal. Pen Air reserves the right to end this offer at any time. Rates as of 6/1/19 and are subject to change.

Our roots are grounded in respect, giving back and enhancing the lives of our members, employees and community. And it's been this way for 83 years.

The deeper the roots, the stronger the trees. For us, it's all about returning value to our members. We are rooted in our mission of enhancing lives through exceptional service, strength and financial solutions.  As a valued member, please take advantage of the following benefits that are only available to members of Pen Air Federal Credit Union. It's just one of the many ways we give back to you.

Returning Value to Our Members

We're here to help you grow your money. That's why we are offering competitive rates for our members on Certificates from April 22 - May 31.

grow your money with a 4 month, 34 month or 64 month certificate. limited time only


Current Certificate Rates

Member Benefits


Pen Air members can save thousands with exclusive credit union discounts with these product offers. We know you work hard to earn your money, and we want to be sure you keep as much of it as possible. That's why we've teamed up with companies like Love My Credit Union, TrueCar, and TruStage to bring you member benefit savings on a variety of products and services. We encourage you to take advantage of these benefits and save.



No Strings. Just Cash.


Pen Air Members: It is time to get rewarded with more cash! As a credit union member, you get a  $100 per line for every new line activated with Sprint®.  Now on unlimited lines. You deserve a reward with no strings attached. It's that simple. Cut the strings and collect your cash!



Help protect your family with $1,000 insurance coverage paid for you by Pen Air.  As a  Pen Air member age 18 or older you can help protect your family's financial future with Accidental Death and Dismemberment (AD&D) Insurance underwritten by Minnesota Life Insurance Company. In addition to the $1,000 credit union paid coverage, you can purchase additional coverage at group rates.

  • You are pre-authorized for additional coverage up to $300,000
  • Your acceptance is guaranteed - No medical exams or health questions
  • Benefits are paid to your beneficiary if you die from a covered accident

You cannot be turned down for the Credit Union Paid Coverage or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.

Remember, the $1,000 coverage is at no cost to you. It's complimentary of Pen Air.

Click here to enroll.

Robert Dudacek, Licensed Insurance Agent #972576-TN

(0618  503692)


Don't overpay for your next car. Pen Air Car Buying Service, powered by TrueCar, allows you hassle-free car buying. It's hard to know how much to pay for a new or used car. What if you're not getting a good deal? With Pen Air Car Buying Service, powered by TrueCar, you can see what you should pay for the car you want.



Exclusively for credit union members like you, the TruStage Auto Insurance Program  provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1.855.483.2149 .

TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.



Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage. Learn about this important coverage or call 1.855.612.7909 for more information.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.



Older couple, middle-age couple and young adults laughing and hugging