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 February 28, 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. 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

90 Days** - Not offered for IRAs

Dividend Rate

3.696%

APY*

3.750%

Term

3 month

Dividend Rate

3.687%

APY*

3.750%

Term

6 month

Dividend Rate

5.233%

APY*

5.360%

Term

12 month

Dividend Rate

4.506%

APY*

4.600%

Term

15 month Add-On

Dividend Rate

2.521%

APY*

2.550%

Term

18 month

Dividend Rate

2.765%

APY*

2.800%

Term

24 month

Dividend Rate

2.813%

APY*

2.850%

Term

36 month

Dividend Rate

2.862%

APY*

2.900%

Term

48 month

Dividend Rate

 2.911%

APY*

2.950%

Term

60 month

Dividend Rate

3.008%

APY*

3.050%

Term

Dividend Rate

APY*

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%

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Getting started is too easy.

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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
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877-473-6247
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