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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Pen Air Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Pen Air Credit Union's 9 month CD Account rates are at 3.80%, 9 month IRA CD Account rates are at 3.80%, 9 month Roth IRA CD Account rates are at 3.80%, 4 month CD Account rates are at 3.70%, 4 month IRA CD Account rates are at 3.70%. Pen Air Credit Union's savings rates are at 0.10%. Pen Air Credit Union's money market rates are at 0.35%. Pen Air Credit Union's Personal Loan Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Pen Air Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.02%. Rates were last updated on 03/28/2026. Pen Air Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pen Air Credit Union? Share your experience about Pen Air Credit Union by leaving a review below, or read customer reviews before you decide to use Pen Air Credit Union. Pen Air Credit Union
Nine Mile Tower Branch 1495 E Nine Mile Rd
https://www.penair.org Pensacola, FL 32514 5723 
Pen Air Credit Union CD Rates
Pen Air Credit Union Savings Rates
Pen Air Credit Union Money Market Rates
Pen Air Credit Union Checking Rates
Pen Air Credit Union Home Equity & HELOC
Pen Air Credit Union Credit Card Rates
Pen Air Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Pen Air Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Pen Air Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Pen Air Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Pen Air Credit Union
Website
https://www.penair.org
Address
1495 E Nine Mile Rd,
Pensacola, FL 32514 5723
Phone
850-505-3200
Fax
President
Robert Jacobson
CEO
Delbert Morgan
Full-Time Employees
394
Part-Time Employees
4
Branch Locations
16
ATM Locations
17
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.02%
Return on Assets (ROA)
0.4735%
Return on Equity (ROE)
3.9330%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
2,660,664,584
Total Amount of Shares and Deposits
2,297,969,756
Total Shares and Deposits < 1 Year
1,911,832,846
Total Shares and Deposits 1 3 Years
376,682,401
Total Shares and Deposits > 3 Years
9,454,509
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
222,795,925
Total Uninsured Shares and Deposits > $250K (F+J)
227,573,072
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,070,396,684
Total Interest Expense (Sum of items 6 8)
32,409,489
Share Certificates
20,301
Number of Accounts for Share Drafts
80,829
IRA KEOGH Accounts
5,432
Number of Accounts for Regular Shares
200,861
All other shares
643
Non Member Deposits
6
Money Market Shares
1,755
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
317,622,901
Total Liabilities
2,419,469,817
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Pen Air Credit UnionIs Pen Air Credit Union a safe place to deposit money?Yes, Pen Air Credit Union is considered a safe financial institution. With a Texas Ratio of 3.016395094793%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Pen Air Credit Union operate?Pen Air Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Pen Air Credit Union?Yes, to access services at Pen Air Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Pen Air Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Pen Air Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Pen Air Credit Union offer online and mobile banking?Most modern institutions like Pen Air Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.penair.org. Current Pen Air Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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