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Pen Air Federal Credit Union Reviews
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Pen Air Federal Credit Union
Victoria AS Kirksey @vikkikirksey61
3 Star Rating
I had rather not get another loan through Pen Air as they do not allow refinancing no matter what. I pay my bill in advance by at least three weeks every month and have never missed a payment and they will not offer a refinance for lower interest rate.
Biggest mistake I ever made was getting a loan through them . Even now one year after paying off my car loan have not received my title . I was out of work for a month and a half and went to a branch in Spanish fort al for help . Was talked into doing a deferment and I asked a lot of questions before even doing the deferment . I was told that it was “ a freebie month “ that no interest or late fees would be acquired for that month and that it would just be an extra month at end of loan . Nope not the case had 54 months late not one letter phone call anything . I also stated in my loan paperwork that they cancharge 20 percent for a late fee or a minimum of 20 dollars . Not one 20 dollar late fee a always the max amount was given . Had my address updated for a change of address received one or 2 pieces of mail at the updated address . They tell me they never had updated address info . With all the late fees and penalties aquited
Acquired it still took me 5 months over my loan to finally pay off . My note was 668 a month I paid 700 a month for almost 4 years of the loan still took me that long top pay off . They mail my title to an old address because that’s the only address they had on file even after I showed them mail that they had sent me to my updated address . Still never received one and it’s been 13 months since loans been paid off . Not one person at that bank ever tried to help me all they did was make my situation worse than ever . 54 months of late fees and never was told that I was behind 4 years of paying 30. $ over payment each month never caught it up . Worst bank and untrustworthy employees I’ve ever felt with
Pen Air Federal Credit Union
5 Star Rating
Pen Air is the best credit union I have used thus far. I bank with another cu but it doesnt compare. This company put the needs of the customers 1st.
While this is one of the cheapest car loans available, remember the phrase you were taught as a child... Cheap is normally not better... Got in an accident, spoke to a representative and informed them of the situation, was told they had it for action, my insurance decided to delay payment, called PenAir back to inform them and again was told, it's okay, we understand... Well insurance held out for a couple months instead of paying right away, I kept PenAir in the loop, never dodged a call but guess who got tagged with a didn't make a payment on a totalled car and they won't take it off my record even though the payment cashed after a couple months when I obligingly gave any and all information asked? Cheap payments, cheap company, you get what you pay for folks.
I have coutesy pay on my account which i hardley use but the two times i have tried to use it which was doing the holidays it declines ehicj is embarrassing especially if i call the day before and ask my limit and have well over 1000 bucks i can overdraft but they are a joke and try to make decisions on my business account based off of my personal just because i hardly spend any money out of my personal which i told them that it shouldn't matter it is 2 totally separate accounts smh they need better management team
I applyed for a checkinh account and next thing i know matthew is helpibg me get credit card and a personal loan .amazing customer satiafaction .i will highly recommend pen air to everybody ..mt credit score is climbing so fast because of the advice of the frienfly staff
Pen Air Federal Credit Union
Robert Hollifield @hollifield7034
1 Star Rating
the following is the experience I had:
Very poor customer service. It is really sad when you penalize a veteran who is a member of the credit union for not utilizing your financial institution as their primary bank. You pull my credit report without my authorization, and site utilization as a concern? I have a checking account and a savings account. If I was trying to screw you I would have done it a long time ago. You are a credit union affiliated with the military. Many of your members do not reside in Pensacola. You revoke access to online banking and tell me all transactions will need to be conducted in the branch? By doing this you obviously should not be affiliated with the military because not everyone can walk into a branch. So I closed my account because it's pointless for me to have it. Your representative was more than happy to do it, and was quite snide while doing so. You are supposed to be about your members? Clearly not when you treat people this way. The sad part...My account was in good standing, and I still was treated this way. I will make sure EVERYONE I know hears how Pen Air treats people.
I have gotten two car loans and one for a motorcycle through Pen Air. I have had nothing but positive experiences with them. I was able to finance my last car at 1.99% interest. The process was surprisingly fast and the customer service personnel I dealt with was very pleasant and helpful. I will continue to finance through them. I also have a savings and checking account and paying car payments online is very simple. They have shared branching at numerous locations, which is now extremely convenient as I have moved out of the panhandle.
I love Pen Air. I picked this credit union as it was recommended by a friend. I have not ever been disappointed. The process of setting up a checking and savings account was painless. I have now used the credit union for about 4 years. In this time they have always had friendly customer service when I have visited. The thing that gave me the best impression though was something that could have been horrible. Someone had somehow gotten my card number even though I had the card and it had never even left my presence. They caught it before I even knew there was a problem. They called me and said there was suspicious behavior on my account and asked me if I had made certain charges. I was to say the least a little freaked out. I told them absolutely not. They said no problem we will deny all charges and close that number out and reissue you a new card. They even apologized to me for having to go through this! It wasn't their fault someone can't make an honest living, but I sure am glad they pay attention like they do!
To qualify for a Pen Air Credit Union CD you need to become a member. You can become a member if you (or someone in your immediate family) are an active duty or retired military, a civil service employee, or an employee of a partnering select employer group.
No, you don't. You can apply for a loan directly on Pen Air Federal Credit Union's website at: https://www.24x7loans.com/PenAirFCUAutoNet/default.aspx. You will have to provide your social security number, your email address, and a brief description of the purpose of the loan.