Wednesday, September 3, 2014

September eNewsletter


September eNewsletter



Providing Savings for Life’s Important Moments
Looking to purchase a new home or refinance your current one? Our mortgage experts are here to help you find the right loan to fit your needs... now and for years to come.
For a limited time, apply today and receive:
  • Financing up to 90% Loan-To-Value (LTV) with no Private Mortgage Insurance (PMI) required
  • Up to $1,000 towards closing costs on new home purchases or refinances*
Call 1-877-4PENAIR, Ext. 8360, visit, or visit us today! 
MLS#: 413053. *Credit can only be applied towards payment of closing costs, up to a total of $1,000 on primary residences only. Not available on home equity loans or home equity lines of credit or unimproved property loans. Cannot be combined with any other offer. Standard credit qualifications and other terms and conditions apply. This does not represent an offer to enter a loan agreement. Loans subject to credit approval. Products, rates and terms subject to change without notice. Limited time only beginning July 1, 2014. Refinancing of mortgage loans currently with Pen Air FCU do not qualify for offer. Call 1-877-4PENAIR for additional details.



Share It.

Giving back is easier than you think! Join us in supporting our local schools by using your Pen Air FCU debit card.

Help us invest in the future of our community! For every signature-based debit card transaction made on your enrolled account, we will donate $0.01
to the school district of your choice at no cost to you. Escambia, Santa Rosa, and Baldwin counties are eligible for donation.

To enroll, simply register at or over the phone by calling 1-877-4PENAIR, register for Online Banking and eStatements, and you’re done—all at no cost to you. Once enrolled, you will receive a new Share It debit card to show your support for education. Quick and easy! Register today to start making a difference.


Milton Branch Remodel
Construction is underway as we make progress towards building a better way to serve you.
Beginning Saturday, October 4, our Milton branch lobby will be closing in order to minimize member distraction and to expedite the contruction process. Not to fret! For your drive-thru banking needs, the remote drive-thru located next to the branch will remain open. For your in-branch lobby needs, visit the Dogwood Park branch, located one mile up the road at 5434 Dogwood Drive. You may also visit our Pace branch, located at 4586 Highway 90. We will post updates as they become available on our Facebook and Twitter pages, so stay tuned! 
For a complete list of our branch and ATM locations visit, or download our Mobile App.


Protect Your Identity
Fend off cyber criminals by arming yourself with information.
When security breaches happen, do you know how to protect your personal information? The following tips will help you keep your identity under lock and key:
  • Immediately change your passwords for things that contain sensitive information like email, financial, health, investment, and credit card data.
  • Use unique passwords for each website you frequent.
  • Use antivirus software and install all updates as soon as they become available.
Click here for more information on how you can protect your personal information.



Moving Your Retirement is an Important Decision
What should you do with your retirement plan if you're changing jobs or retiring?
It’s essential that you make this decision and the proper arrangements before you leave your company or you could lose a large portion of your savings to taxes or penalty fees.

Three key benefits of an Individual Retirement Account (IRA):
  1. Keep your retirement savings tax deferred – An IRA offers the potential for any earnings to grow faster than in a comparable taxable account
  2. Avoid 20% withholding – You can keep your account intact
  3. Convenience and flexibility – It’s easy to open an IRA rollover account. You may be able to add additional contributions to your IRA depending upon your situation, although this may not be appropriate for every investment
The advisers at Pen Air Asset Management can help you understand how an IRA may help you meet your retirement objectives. Call Tiffany Cherry at (850) 505-3200, Ext. 8332 today to set up a meeting time most convenient to you.
Cetera Financial Services, Inc. is an independent, registered broker/dealer. Member FINRA/SIPC. Securities and insurance products offered by Cetera: Not FDIC/NCUSIF insured, may go down in value, not a deposit, not financial institution guaranteed, not insured by any federal government agency. Registered Address: 1495 E. Nine Mile Rd., Pensacola, FL 32514. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Investment Advisors, LLC Agreement and disclosure brochure as provided.


Our Community
Clowning Around for Charity
Pen Air FCU’s employees raised $7,500 through Jeans for Generosity for the Ronald McDonald House Charities of Northwest FL.
Last month, Pen Air FCU employees put on their red noses and gave $7,500 to the Ronald McDonald House Charities of Northwest Florida. Even Ronald McDonald himself visited the Nine Mile Road branch to join the fun. This is the third of four quarterly check presentations that Pen Air FCU will present this year. The Children’s Home Society of Florida and Pensacola Humane Society were also recipients this year.

Jeans for Generosity is a fundraising program sponsored by Pen Air FCU employees to support local non-profit organizations selected by employees each year. To learn more about the generosity of our employees, visit Visit our Facebook page to see more pictures of our visit from Ronald McDonald!
Biz Kid$ Makes Debut on the Gulf Coast
Local schools get down to business with financial literacy.
Escambia County middle and high schools are getting down to business! Biz Kid$, a financial literacy program geared towards a young audience, gives students the age-appropriate financial savvy they need to be successful in later years. Pen Air FCU has partnered with Biz Kid$ to provide the program at no cost to the schools. Biz Kid$ includes 65 episodes of edutainment videos and corresponding curriculum for teachers to guide students through each lesson. To visit the Biz Kid$ website, click here.


Upcoming Events:   
  • Saturday, September 6: Semper Fi 5K Charity Run Pen Air FCU is proud to sponsor the run on NAS Pensacola once again. For more information, visit
  • Friday, September 12: Cook Out for Charity Join in on the fun at our Car City branch located at 60 Industrial Boulevard in Pensacola. The event starts at 10:30 a.m. and all proceeds will go to our Jeans for Generosity charitable giving fund.
  • Friday and Saturday, September 26-27: PCO Panhandle Charitable Open Golf Tournament Come show off your golf skills for charity at the Marcus Pointe Golf Club. To purchase tickets for your two-person team, click here.
  • Friday, September 26: UWF Alumni Golf Classic Tournament Scenic Hills Golf Club will host this year's event. Click here to register online.



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