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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 November 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 and Verified: October 30, 2026
Pen Air Credit Union's CD Account - 17 Month rates are at 4.20%, CD Account - 8 Month rates are at 4.11%, CD Account - 60 Month rates are at 2.85%, CD Account - 48 Month rates are at 2.75%, CD Account - 36 Month rates are at 2.65%. Pen Air Credit Union's savings rates are at 0.30%. Pen Air Credit Union's money market rates are at 1.75%. Pen Air Credit Union's checking rates are as high as 5.05%. Pen Air Credit Union's Personal Loan Rates are as low as 8.90%. Pen Air Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.97%. Rates last updated and verified on 10/30/2026. 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 Back Campus 9021 Westside Dr
https://www.penair.org Pensacola, FL 32514-5539  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Auto Loan Rates
Pen Air Credit Union Personal Loan Rates
Pen Air Credit Union Other Rates
Financial Health HistoryPen Air Credit Union’s Texas Ratio stayed near 3.10% in Q3 2023 to 2.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
9021 Westside Dr,
Pensacola, FL 32514-5539
Phone
850-505-3200
Fax
President
Stephanie Oram
CEO
Delbert Morgan
Full-Time Employees
408
Part-Time Employees
6
Branch Locations
18
ATM Locations
18
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.97%
Return on Assets (ROA)
0.2132%
Return on Equity (ROE)
1.8572%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
2,823,572,366
Total Amount of Shares and Deposits
2,444,908,226
Total Shares and Deposits < 1 Year
2,404,151,752
Total Shares and Deposits 1 3 Years
32,928,749
Total Shares and Deposits > 3 Years
7,827,725
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
258,085,737
Total Uninsured Shares and Deposits > $250K (F+J)
258,127,381
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,186,780,845
Total Interest Expense (Sum of items 6 8)
23,702,093
Share Certificates
20,212
Number of Accounts for Share Drafts
84,577
IRA KEOGH Accounts
5,277
Number of Accounts for Regular Shares
211,455
All other shares
623
Non Member Deposits
4
Money Market Shares
1,770
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
346,376,591
Total Liabilities
2,568,637,105
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Pen Air Credit Union
Frequently Asked Questions About Pen Air Credit UnionDoes Pen Air Credit Union offer CDs?Yes. Pen Air Credit Union current CD rates include its CD Account - 17 Month at 4.20% APY, its CD Account - 8 Month at 4.11% APY and its CD Account - 60 Month at 2.85% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Pen Air Credit Union NCUA insured?Yes. Pen Air Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Pen Air Credit Union?The highest Pen Air Credit Union CD rate is its CD Account - 17 Month at 4.20% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Pen Air Credit Union offer?Pen Air Credit Union CD rates are 4.11% APY for an 8 month CD, 2.35% APY for a 12 month CD, 4.20% APY for a 17 month CD, 2.40% APY for an 18 month CD, 2.55% APY for a 2 year CD, 2.65% APY for a 3 year CD, 2.75% APY for a 4 year CD and 2.85% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Pen Air Credit Union for its full lineup. What is the highest savings rate at Pen Air Credit Union?The highest Pen Air Credit Union savings rate is its Level UP Savings at 0.299% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Pen Air Credit Union?The highest Pen Air Credit Union money market rate is its Money Market Account at 1.75% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Pen Air Credit Union?The highest Pen Air Credit Union checking rate is its High-Yield Checking at 5.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Pen Air Credit Union?The lowest Pen Air Credit Union auto loan rate is its New Auto/Truck Loan - 36 months at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. Pen Air Credit Union auto loan rates are 4.74% APR for a 36 month auto loan, 5.24% APR for a 66 month auto loan, 5.74% APR for a 75 month auto loan and 5.99% APR for an 84 month auto loan. What is the lowest personal loan rate at Pen Air Credit Union?The lowest Pen Air Credit Union personal loan rate is its Personal Loan at 8.90% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Pen Air Credit Union rates compare?Pen Air Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. Pen Air Credit Union's top rates are its CD Account - 17 Month at 4.20% APY, its Level UP Savings at 0.299% APY, its Money Market Account at 1.75% APY, its High-Yield Checking at 5.05% APY and its Personal Loan at 8.90% APR, verified by MonitorBankRates on October 30, 2026. Current Pen Air Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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