Credit union · NCUA insured
PenAir Credit Union
Top CarrotA $2.8B credit union, the 182nd largest of 4,329, headquartered in Pensacola, FL, with 138,071 members and 15 branches in 3 states. Best rates: CDs 4.20% and savings 1.75% APY.
PenAir Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#6 of 18 in Pensacola, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PenAir Credit Union
PenAir Credit Union is a member-owned credit union where members share in ownership, vision, and profits.
- Headquarters
- 9021 Westside Dr, Pensacola, FL 32514-5539
- NCUA charter
- 68734
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open an account if you live, work, go to school, or worship in 19 counties from Mobile County, Alabama to Leon County, Florida.
- Open an account if you live, work, go to school, or worship in one of 24 counties and cities served from Mobile County, Alabama to Leon County, Florida and southwest Virginia.
Branches
15 branches in 3 states
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Florida
10 branches
Pensacola area · 9
- Gulf Breeze3591 Gulf Breeze Pkwy, Gulf Breeze, FL 32563Directions
- Milton5056 Dogwood Dr, Milton, FL 32570Directions
- Pace4586 Highway 90, Pace, FL 32571Directions
- Airport1289 Airport Blvd, Pensacola, FL 32504Directions
- Beulah5855 W Nine Mile Rd, Pensacola, FL 32526Directions
- Car City II6390 Pensacola Blvd, Pensacola, FL 32505Directions
- Corry Station5570 W Highway 98, Pensacola, FL 32507Directions
- Nine Mile9035 Westside Dr, Pensacola, FL 32514Directions
- Saufley4523 Saufley Field Rd, Pensacola, FL 32526Directions
Crestview area · 1
- Crestview1345 Industrial Dr, Crestview, FL 32539Directions
Alabama
4 branches
Daphne area · 3
- Foley Branch1301 S McKenzie St, Foley, AL 36535Directions
- Robertsdale21511 State Highway 59 S, Robertsdale, AL 36567Directions
- Eastern Shore10010 Eastern Shore Blvd, Spanish Fort, AL 36527Directions
Mobile area · 1
- Broad Street2051 S Broad St, Mobile, AL 36615Directions
Virginia
1 branch
- Elbit7635 Plantation Rd, Roanoke, VA 24019Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.48% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.60% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.43% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $72 | $88 | — |
- CapitalNet worth ratio11.48%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.60%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$72Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of PenAir Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.