Who Is PenAir?

Let's get to know each other.

We are more than a community banking resource

The reason we exist is so much simpler — and so much more powerful.

We exist to enhance lives

And with that clarity, what we do is made more powerful by our purpose for doing it. Grown from the values we hold most dear, three guiding principles emerged to shape how we see the people we serve, the community around us, and our role within it.

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Respect is foundational to everything. It’s how we build relationships and form trust.

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Through service, we effect change. It’s how we take care of each other. By listening. Understanding. And personalizing experiences.

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It’s our most important value. A positive force for good, where community and generosity fuse into something unshakable.

Proudly Serving

Mobile to Tallahassee, with 11 convenient locations in Northwest Florida and Southeast Alabama.

Boardwalk and ocean view

Escambia County, FL

Two people paddling in a kayak along a river

Santa Rosa County, FL

Path going through a park filled with trees

Baldwin County, AL

Financing with PenAir is

Financing for good


in donations and sponsorships to like-minded community organizations.


members with Home Equity Lines of Credit (HELOC) and Home Equity Loans.


hours supporting the charities and organizations that mean to most to our communities.

Who We Are

Being the largest and oldest local credit union in Pensacola, Florida, with more than $2.8 billion in assets, is the least interesting thing about us.

How It All Started

Since our founding in 1936, PenAir Credit Union has always maintained our commitment to our members’ needs. Through these years we have grown alongside our members and welcomed more members into our cooperative. Because of this strength we have been able to continually improve our service through enhanced access and convenience, competitive rates, and more locations. This strength will always be a part of who we are, yesterday, today, and in the future.

Where We're Going

PenAir’s been connected to this community since 1936. Serving up great banking to generations of those who keep us safe, make us stronger — and make this community so amazing. That’s why we never stop getting better and better.

Check in on our overall health:

Statistical Highlights

As of September 12, 2023





Total Deposits


Total Members


Need a little more information?

Maybe what you’re looking for is here.

You can open an account with us if you live, work, go to school or worship in 17 counties, from Mobile County, Alabama to Leon County, Florida.

You are eligible to become a valued member of PenAir Credit Union if you have a current valid ID, you have a Social Security Number (SSN) and if you live, work, go to school or worship in 17 counties, from Mobile, Alabama to Tallahassee, Florida.

Ready for this one? There’s no application fee. There are no balance transfer fees. There are no annual fees. That’s pretty good, right? We think so too.

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Leadership and service are one in the same

Meet the people who are here to serve you.

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