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Penair

1495 E Nine Mile Road, Pensacola, FL 32514
NCUA Insured4.7 (84 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1495 E Nine Mile Road

Pensacola, FL 32514

Service Area

This credit union is located in Pensacola and serves members in the FL area. Currently serving 136,115 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

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.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(16 total)

Member Reviews

4.7

84 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Laury Torrence

Laury 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

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

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

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

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 :)

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).