Take the Plunge

Open an Account and see what all the fuss is about.

Let's get started

Ready to join or add an account?

You can now 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.

Ready to join us?

Open a New Account

Currently a member?

Add an Account
Currently a Member? Add an Account

We care about the things you care about.

PenAir is where people + community, resources + expertise, simplicity + technology all align with your values.

What's in it for you?

Value, resources, tools and advice all connect here to make real impact to your life and others

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Live Teller Machines

Enjoy drive up and go transactions with a local PenAir Member Advisor. Experience secure, personalized service on video without leaving your car.

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Advanced Digital Tools

Become empowered to manage your money any time, any place with PenAir’s Digital Banking services. For every which way you go, we’re (literally) right in your back pocket.

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Branches Worldwide

Find convenience with the Credit Union Shared Branching network. With 7,000 CO-OP branches at home and abroad, we’re always where you need us.

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Low Interest Rates

The life you want starts with a great loan. At PenAir, we keep interest rates low so you have the money you need to live boldly.

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Free Financial Counseling

Managing your finances doesn’t have to be intimidating. Available to you free of charge, PenAir Financial Counselors offer expert guidance and custom-built strategies to keep you on top of your goals.

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Safe & Secure

Rest easy knowing your money is protected. Your deposits are federally insured up to $250,000 by the National Credit Union Association (NCUA). 

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And More!

Insurance. Fraud protection. Special offers. There are too many benefits for us to fit here, so go on and see what else we have to offer.

Last year we saved our members million *

Credit Cards
Home Loans
Savings & Dividends
Auto Loans
Annual savings per member household

Together We Make a Difference

At PenAir, we’re determined to be a positive force for good, where community and generosity fuse into something unshakable – Communerosity®.

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Employee Giving

Nurturing the community through paycheck donations and volunteering.

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Financial Wellness

Educational resources you’ll actually want to use, plus a competition to win $10,000.

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Community Partnerships

Sponsorships and events that fuel lasting impact.

Financing with PenAir is

Financing for Good

Last year, employees provided

through our Jeans for Communerosity® employee fundraising program.

In 2023, employees spent

hours volunteering and giving back in the community.

Together, PenAir and our employees impacted over

local like-minded community organizations.

Experience The Credit Union Difference

What is a credit union and what makes us different? As a financial co-op, we work together to create a better credit union and community. That’s why we call you a “member” and not a “customer” or “client”. You’re more than just dollars to us. In fact, the $5 in your Savings Account makes you a part owner, so you really do have a say in the future of your credit union.

We’ll keep your money secure & insured, and help you make financial decisions that enhance your life.
(Let’s see a bank do that!)

  • Type of Organization

    Type of Organization

  • Who can join

    Who can join

  • Invested in

    Invested in

  • Deposits federally insured by

    Deposits federally insured by

  • Governance



  • Type of Organization

    Not-for-profit - Fewer fees, better rates

    As a not-for-profit financial cooperative, we return our profits to our members in the form of better rates, lower fees and greater service.

  • Who can join


    PenAir’s membership is open to anyone who lives, works, worships or goes to school in our service area.

  • Invested in

    Community and members

    We serve the needs of our membership and community by investing our non-interest income and interest from loans in local organizations working to make a difference.

  • Deposits federally insured by

    NCUA insured ($250k)

    Your deposits are insured by the National Credit Union Administration (NCUA) and are backed by the full faith and credit of the United States government.

  • Governance

    Member owned

    Each member can exercise their voting rights to fill seats on the Board of Directors. And in turn, the Directors advocate for the membership.


  • Type of Organization

    For-profit – More fees, worse rates

    Traditional banking institutions primarily focus on generating profits for their shareholders with no added benefit to their customers.

  • Who can join


    You cannot "join" a bank, but anyone can be a customer.

  • Invested in

    Generating revenue

    Banks use the income they generate from fees, interest, business accounts and investments to increase their shareholders’ earnings.

  • Deposits federally insured by

    FDIC insured ($250k)

    At a bank, your deposits are insured by the Federal Deposit Insurance Corporation and are backed by the full faith and credit of the United States government.

  • Governance

    Shareholder owned

    Banks are governed by their shareholders, voting rights depend on the number of shares you own leaving regular customers out of decisions.

How to Become a PenAir Member

Ways to qualify:

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Your proximity

If you live, work, worship, or go to school in one of our eligible 19 counties (between Tallahassee, FL and Mobile, AL).

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Your giving spirit

Membership to the Friends of the Navy-Marine Corps Relief Society, Inc. is open to anyone.

PenAir will pay your one-time donation of $1 as your membership dues.

Become a Friend of NMCRS

Membership to the Friends of NMCRS, Inc. is open to anyone, and you can qualify for membership through PenAir Credit Union. Become a member of the Friends of the NMCRS, Inc. today and PenAir will pay your one-time, $1 membership donation.

Get Started Online
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you only need three things

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Your Driver’s License

You may also use another form of identification, like government issued photo ID, state ID, or a military ID.

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Your Complete Physical and Mailing Address

If your current address does not match your ID, we will need proof of your current address. (Like a paystub, utility bill, tax bill, or vehicle registration.)

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Fund Your Savings Account

Your new account can be funded with a debit or credit card.

Need a little more information?

Maybe you’ll find what you’re looking for here.

You can open an account with us if you live, work, go to school or worship in one of the 19 counties we serve, from Mobile County, Alabama to Leon County, Florida.

As of 2024, our Service Area includes:

  • Escambia, Florida
  • Santa Rosa, Florida
  • Okaloosa, Florida
  • Walton, Florida
  • Bay, Florida
  • Washington, Florida
  • Holmes, Florida
  • Jackson, Florida
  • Calhoun, Florida
  • Gulf, Florida
  • Franklin, Florida
  • Liberty, Florida
  • Gadsden, Florida
  • Wakulla, Florid
  • Leon, Florida
  • Mobile, Alabama
  • Baldwin, Alabama
  • Escambia, Alabama
  • Houston, Alabama

At PenAir, the $5 required in your Savings Account determines your ownership in the credit union. Opening a new Checking Account at PenAir is hassle-free, as it does not require a minimum balance or monthly fees.

You must be 18 years old to be a primary member on a PenAir account. However, minors aged 0-18 can be joint owners with a guardian on Youth Accounts. Members aged 8+ can access PenAir Mastercard® Debit Cards and Digital Banking.

Didn't find the answers you needed? Say: Browse our PenAir FAQs

Choose your own adventure

Ready to join or add an account?
Let's get started

Ready to join or add an account?

You can now 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.

Ready to join us?

Open a New Account

Currently a member?

Add an Account
Stop In, Say Hi!
Find Your Branch
Give Us a Call
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