NCUA Insured
Member-Owned
2 charter
Established in 1936
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Pensacola, FL may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1936
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Pensacola and serves members in the FL area. Currently serving 136,115 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.74%Used Auto Loan
5.74%Personal Loan
17.90%Credit Card APR
12.90%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).
Orlando, FL
Fort Lauderdale, FL
Jacksonville, FL
Sarasota, FL
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.7
84 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsLaury Torrence
3 months ago
I had a short wait since I was a walk in, but once Ryan greeted me I was able to get the information I needed and open my accounts quickly and easily. She explained everything clearly, was very pleasant and it was frankly the most enjoyable banking experience I've ever had. I feel like my decision to join PenAir was the right thing for me.
Betty Lacy
5 months ago
Car city Pen Air branch has the best service for customer service. You get to do your transactions with a live teller. Dislike using the ATM's and the "boxes" you talk into in a lobby and the people around you can hear you. I like Corry Station branch also has excellent service. Same reasons. Human contact and more personable experience. I like my transactions safe and lobby transactions are not!
Debbie Zannoni
3 months ago
Becky is a treasure! (In Gulf breeze branch) She helped me refinance my loans and credit card so quick and easily!! She saved me hundreds of dollars helping me transfer from Wells Fargo. Thank you Becky!
Coral Hamilton
4 months ago
We moved to Alabama in April 2025, had some completely awful experiences with some of the banks here in town. Finally asked our new friends where to bank and were told Pen Air is the place to keep our monies. We have been more than pleased that we decided to bank with Pen Nair. Thank you for being good at what you do!
Morgan Washington
5 months ago
This week I had some banking matters to handle and I was VERY pleased with my experience. Stacey, one of the personal bankers at the 9 Mile branch, was by far one of the kindest people that I have encountered in a long time especially in customer service and hospitality. She was extremely knowledgeable, kind, and patient while answering all of my questions. She made a genuine effort to create a personal connection and truly exceeded my expectations. I was also very pleased with the new extension of the branch—it was simple, clean, and welcoming. I left with everything I needed taken care of, as well as a new personal banker I look forward to working with in the future for my banking needs. Thank you Stacey at Pen Air off 9 MILE :)
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(850) 505-3200Website
Visit WebsiteMembers
136,115
Total Assets
$2.8B
Year Opened
1936
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile