Find Your Savings Account

Tell us your goals. We'll help you find the best fit.

Finding the right account has never been easier

When you open a Savings Account with PenAir, you get all the options you deserve. Whether you’re planning to buy a home or build a stash for emergencies, we’ll help you explore the various ways to save and grow your money over time.

Start saving now

We’re ready to help you open an account for whatever goal you’ve got in mind.

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What do you hope to achieve?

Would you rather have daily access to your cash or the ability to earn higher dividends over time?

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Choose the accounts for you

Browse our options below to find the best account to fit your needs.

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Start saving right away

It’s easy to open an account with PenAir. Simply click the account you want and open online.

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Keep your goals on track

Use our Online Banking to view your current balance, practice money management, and stay on track.

Let us recommend the savings account that fits your needs

Select all that apply

Ready to take the plunge?

Let's Start Saving

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

Check out some of our savings rates

Savings Account

Account Balance

Dividend Rate

APY*

*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date.

APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings.

Account Balance

$25-$4,999.99

Dividend Rate

0.100%

APY*

0.100%

Account Balance

$5,000-$24,999.99

Dividend Rate

0.100%

APY*

0.100%

Account Balance

$25,000-$74,999.99

Dividend Rate

0.299%

APY*

0.299%

Account Balance

$75,000 and over

Dividend Rate

0.299%

APY*

0.299%

Money Market Account

Account Balance

Dividend Rate

APY*

*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date.

APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings.

Account Balance

$0-$2,499.99

Dividend Rate

0%

APY*

0%

Account Balance

$2,500-$24,999.99

Dividend Rate

0.350%

APY*

0.350%

Account Balance

$25,000-$74,999.99

Dividend Rate

 0.996%

APY*

 1.000%

Account Balance

$75,000-$199,999.99

Dividend Rate

1.244%

APY*

1.250%

Account Balance

$200,000.00 and over

Dividend Rate

1.492%

APY*

 1.500%

Certificate Account

Term

Dividend Rate

APY*

All annual percentage yields (APY) for share certificate accounts and certificate IRAs are accurate as of December 4, 2024.

*APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. The 7 Month Certificate will automatically renew as a 6 Month Certificate upon maturity. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings.

**Not offered for IRAs

Term

3 month

Dividend Rate

2.178%

APY*

2.200%

Term

6 month

Dividend Rate

2.765%

APY*

2.800%

Term

7 month

Dividend Rate

3.996%

APY*

4.070%

Term

12 month

Dividend Rate

2.716%

APY*

2.750%

Term

15 month Add-On

Dividend Rate

2.521%

APY*

2.550%

Term

18 month

Dividend Rate

2.618%

APY*

2.650%

Term

24 month

Dividend Rate

2.618%

APY*

2.650%

Term

36 month

Dividend Rate

2.667%

APY*

2.700%

Term

48 month

Dividend Rate

2.716%

APY*

2.750%

Term

60 month

Dividend Rate

2.813%

APY*

2.850%

Christmas Club Account

Dividend Rate

APY*

*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date.

APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings.

Dividend Rate

0.299%

APY*

0.299%

Crunch the Numbers

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Getting started is too easy.

Open an Account Today
Get Started Online

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
Call Us
877-473-6247
Our Friendly Staff Are Here to Help
Schedule an Appointment

Schedule an appointment

Do you want an in-person or virtual appointment?

In-Branch Appointment

Jump the queue and set aside time to address your financial priorities.

Book in-branch appointment

Virtual Appointment

Save the drive and meet with PenAir via phone or video.

Book virtual appointment

Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

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