Make Last Minute Holiday Shopping a Little Less Hectic
With rates as low as 8.9% APR, let us help
you shop hassle-free using a Pen Air FCU MasterCard®. Log onto penair.org/CreditCards or visit a branch near you to
speak with a Member Service Representative and check holiday shopping off
Rates, terms and
conditions are subject to change and may vary based on creditworthiness,
qualifications and collateral conditions. Rates range from 8.9% to 18% APR
and may vary after the account is opened. Cash advance fee is $5.00 or 3.0%
of the amount of each cash advance, whichever is greater. Foreign
transaction fee is 1.0% of each transaction in U.S. dollars.
Take Control Over
It’s easy to get
confused by all the paperwork associated with your IRA accounts
Are you finding that you want more control over your finances? Maybe you’re
in the midst of changing jobs, or perhaps you’ve been enrolled in multiple
retirement plans over the years. Whatever situation you find yourself in,
our Asset Management team can help explain all of your options. An IRA
rollover might be a wise choice for you because it can help you consolidate
and control your assets.
Rolling your assets into a single IRA can:
Reduce the number of financial statements you
Provide a clearer picture of your financial
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 for a free consultation.
insurance products are offered through Cetera Investment Services LLC,
member FINRA/SIPC. Advisory Services are offered through Cetera Investment
Advisers LLC. Neither firm is affiliated with the financial institution
where investment services are offered. Investments are: *Not FDIC/NCUSIF
insured *May lose value *Not financial institution guaranteed *Not a
deposit *Not insured by any federal government agency.
Give the Gift of
Getting the perfect
gift for your loved ones is easier than you think! Visa® Gift Cards can be
used anywhere VISA® is accepted, giving everyone on your list the
flexibility to purchase exactly what they want, when they want.
Conveniently purchase a VISA® Gift Card from
any Pen Air FCU branch location for any amount between $20 and $750 to give
a gift that is both useful and affordable! Visit penair.org/CreditCards for details.
Do You Know How to
Stop Fraud Once It Occurs?
Detect fraud faster
after security breaches by using Money Manager
security breaches can create headaches for some and serious financial
consequences for others. Technology security experts agree that individual
vigilance is the best means to reduce the long-term effects of such data
Money Manager from Pen Air FCU offers tools to
help you to track your transactions to discover whether any of your
accounts have been exposed. Aggregating your account information, even from
financial institutions other than Pen Air FCU makes Money Manager the best way to monitor for potential problems.
Simple Steps Stop Fraud:
1. On the Dashboard of Money Manager, go to the Search function.
Enter a merchant’s name, and check to see if any of your accounts were
exposed to a known threat. The Advanced Search allows you to check
transactions for the past 90 days.
2. Add any external accounts that you have at other institutions (like
credit cards and checking accounts) using the Add button on the
dashboard to start monitoring those accounts for issues as well.
Using Money Manager from Pen Air FCU to track potential
exposure and fraud allows you to keep command of your financial future.
If you find suspicious account activity or have any questions about using Money Manager, don’t hesitate to call 1-877-4PENAIR and
speak with any of our Member Service Representatives. Your financial security
is important to us.
Savings You’ll Be
For a limited time, move your auto loan to Pen Air FCU and receive up to 2%
APR off your current rate and/or $25 off your monthly payment. Now those
are savings you can be thankful for. Visit penair.org/AutoLoans to apply today!
Rates, terms and conditions are subject to
change and may vary based on creditworthiness, qualifications and
collateral conditions. All loans subject to approval. Auto loan must be
transferred from another financial institution and be in good standing for
at least six consecutive months. Rate will be reduced up to 2% but will be
no lower than 1.99% APR, and/or current monthly payment will be reduced by
$25. At 1.99% APR, a loan amount of $20,000 and a term of 60 months, the
monthly payment would be $350.47. Other conditions and restrictions may
Legal Expertise at
Pen Air FCU offers
prepaid legal services for Alabama and Florida residents through Staples,
Ellis, & Associates, P.A.
While most people
know and recognize the need for insurance to cover their homes, cars, and
health, some may not realize the benefit of having a legal services plan.
Membership in a legal services plan is similar to insurance. While you may
never need the services of an attorney as frequently as you would a doctor,
the need is no less urgent when issues arise.
& Associates offer peace-of-mind and empowerment to Pen Air FCU members
when they need it most by providing service for members seeking assistance
with wills and trusts, as well as lawsuits and other litigation.
More information regarding prepaid legal services can be found on our website or by visiting any Pen Air FCU branch
Toys R' Needed
still time to help local children this holiday season with Toys for Tots!
Get into the holiday
spirit! Pen Air FCU has once again partnered with the U.S. Marine Corps for
their annual Toys for Tots drive. All Pen Air FCU branch locations will
serve as donation sites for new, unwrapped toys. Donations will be accepted
until Thursday, December 4thand will be distributed to
children throughout our community before the Christmas holiday. Click here to find your nearest Pen Air FCU branch
Wrapping Them in
Recent blanket drive
will help to keep hundreds of local seniors warm this winter. Last month, Pen Air
FCU employees partnered with Granny Nannies, an organization dedicated to
caring for the elderly, and collected new fleece blankets to keep local
seniors warm. The original goal to provide at least 50 blankets was met and
quickly grew to a total donation of over 300 blankets! To learn more about
Granny Nannies, click here.
The results are in!
With the help and generous donations from both members and employees, Pen
Air FCU was able to donate over 600 pounds of non-perishable food items to
MANNA Food Pantry and Prodisee Pantry this year! These donations will go to
help hundreds of local families to have food on their tables this holiday
season. We are proud to live and work in a community where people are so
willing to help those in need. Your communerosity is showing!
our Facebook page for the latest news and pictures of our
We will operate
regular business hours for all days not listed below. To find your nearest
ATM location, click here. Happy Holidays!
Wednesday, December 24: Christmas Eve: Closing at noon
Thursday, December 25: Christmas Day: Closed
Wednesday, December 31: New Year's Eve: Closing at 3pm
Thursday, January 1: New Year's Day: Closed
Thursday, December 4: Toys for Tots Deadline Please drop off all new, unwrapped toy donations to
any Pen Air FCU branch location by 5pm. Thank you for your generosity!
Friday, December 19: Big Screen on Blackwater
Holiday Movie Series
Join us from 5pm - 8pm in Downtown Milton for an outdoor screening of Polar
Friday, December 19: Gallery Night This month, we'll be taking Selfies with Santa!
Stop by to have your picture taken (or take your own) with Old Saint
Nick in front of our Palafox branch location from 5pm - 8pm. Don't
forget your camera/smartphone!