Credit union · NCUA insured
PenAir Credit Union Savings Rates
Top CarrotPenAir Credit Union’s best savings rate is 1.75% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How PenAir Credit Union’s savings rates compare
Compared with banks and credit unions near Pensacola, FL, where PenAir Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PenAir Credit Union
1.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $175
Money Market Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
PenAir Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where PenAir Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.75%APY
Available to members who live, work, go to school or worship in specified counties (from Mobile County, AL to Leon County, FL). Rates on deposit accounts may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $25,000 | 1.75% | $175 |
| $25,000 – $75,000 | 1.75% | — |
| $75,000 – $200,000 | 1.75% | — |
| $200,000 and up | 1.75% | — |
Sources (2)
All captured Sep 18, 2026
Savings Account
0.10%APY
Open to those who live, work, go to school, or worship in eligible counties (19 counties from Mobile County, AL to Leon County, FL).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.10% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $75,000 | 0.30% | — |
| $75,000 and up | 0.30% | — |
Sources (1)
- penair.org/personal/find-your-savings · captured Sep 18, 2026
Special-purpose accounts
Christmas Club Account
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- penair.org/personal/find-your-savings · captured Sep 18, 2026
Level UP Savings
0.30%APY
Geared towards birth to 18 years old. Minors aged 0-18 can be joint owners with a guardian.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5 required.$5 and up | 0.30% | $30 | Minimum balance of $5 required. |
Sources (2)
All captured Sep 18, 2026
Level UP Secondary Savings
0.30%APY
Youth account program for minors aged 0-18 with a guardian.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- penair.org/personal/level-up-kids-savings-account · captured Sep 18, 2026
Who can join PenAir Credit Union
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.
Membership information collected October 5, 2026.