About Us
We live, work, and shop local. We offer competitive rates & fees for Conventional / USDA / FHA & VA purchases as well as refinances. We also offer Unimproved Land purchases with a 15 Year fixed rate. Lastly we offer competitive Construction Loan options that offer a local draw for the builders as well as a 1 or 2 time close option and up to 90% LTV.
How We Got Started
Pen Air Federal Credit Union was established in 1936 and has been offering Mortgage Lending solutions for over 30 years. We are here to help serve our members and our community. We pride ourselves in having a Serve First mentality. We are Solution Seeking with a ProKnows attitude. Our Mission is to enhance lives through exceptional service, strength & financial solutions.
The products and services we offer
Products & Services
A Conventional loan is not a government insured loan program. A Conventional loan can offer a down payment with as little as 3%. If you have less t...
An FHA loan is a government insured program. The Federal Housing Administration (FHA) insures these loans. One key benefit to utilizing an FHA loan...
A VA loan is government insured by the US Department of Veteran Affairs. For qualified active duty service members & veterans this is a great progr...