Pen Air Federal Credit Union is a financial institution offering a line of financial services including loans, savings accounts and credit and debit cards to military and civil service personnel both active and retired from bases around Pensacola, Fla. The nonprofit, member-owned credit union is headquartered in Pensacola and operates branches throughout Pensacola and nearby cities including Century, Milton and Gulf Breeze, Fla. While the credit union is targeted to military and civil service personnel, other employee groups and immediate family members are also eligible for membership. Pen Air Federal network includes Flex-24 ATMs, Flex-Tone telephone service and Internet Account Access services each is available seven days a week, 24 hours a day.