Locations & ATMs
We're everywhere you are
You deserve better banking, longer hours and easier access.
Convenient cash access when and where you need it.
As a PenAir Member, you also have access to your money 24/7. This is where you find the PenAir location, ATM and LIVE Teller nearest you. You also have the option to use not one, but TWO Nationwide – Surcharge-Free ATM Networks. Find an Allpoint ATM or MoneyPass ATM conveniently located at places you already know, love, and shop every day.
On the move?
Take us with you. Bank wherever and whenever it’s convenient for you through Digital Banking.
Shared Branches: We’re there … Wherever your trail takes you
As our member, you can visit any credit union where you see the CO-OP Shared Branch logo, and make transactions just as you would at a PenAir Credit Union location. When you visit a shared branch, simply provide the PenAir name, account number, and a valid photo ID to…
- Make transfers, deposits, withdrawals, balance inquiries, loan payments and more*.
- Purchase money orders and cashiers checks at many locations.
Always have a branch nearby. To find a participating credit union in your area, click on the CO-OP Shared Branch logo, visit our locations or download our Mobile App and select “Find an ATM/Branch.”
CO-OP Shared Branch is implementing IDCheck for all branches. To learn how this affects you or get next steps by visiting our Updates and Resources page.
Short on Time? Skip the Line!
By scheduling an in-person or virtual appointment in advance, we can reduce your wait time, prepare to meet your needs prior to your arrival, and have you back to the rest of your day quicker.
Specialty Appointment Options:
Looking for help with retirement, rollovers, and portfolio management? Call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.
Need help with your finances? Schedule an appointment with a Certified Financial Counselor.
For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.
PenAir Locations
We currently offer 14 locations in Northwest Florida, Southern Alabama, and Roanoke, Virginia. We also serve anyone who lives, works, worships, or attends school from Mobile County, Alabama through Leon County, Florida as well as Roanoke, Virginia.
Fort Walton Beach
Panama City Beach
PenAir’s Holiday Closure Dates
We may be closed for a holiday, but don’t take a holiday from your money. Stay connected and access your accounts by using our Digital Banking Solutions.
- New Year’s Day – January 1, 2025
- Martin Luther King Day – January 20, 2025
- President’s Day – February 17, 2025
- Memorial Day – May 26, 2025
- Juneteenth – June 19, 2025
- Independence Day – July 4, 2025
- Labor Day – September 1, 2025
- Columbus Day – October 13, 2025
- Veterans Day – November 11, 2025
- Thanksgiving – November 27, 2025
- Day After Thanksgiving – November 28, 2025
- Christmas Day – December 25, 2025
- Christmas Eve – December 24, 2025, close at 12PM
- New Year’s Eve – December 31, 2025, close at 2PM