Bank somewhere that sees the whole you.

We don’t just open accounts — we build relationships. Join a credit union where your goals come first, your values are shared, and your money stays local.

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Improving lives and strengthening communities

PenFinancial offers all the same great products and services that other banks and credit unions do – all at very competitive rates. The difference is our purpose of improving lives and strengthening communities is ingrained in everything we do. You’re more than a customer. You’re a Member. At PenFi you’ll get great products and services, exceptional financial planning and advice, and you’ll help make a difference. Our socially responsible practices aren’t just to check a box, they’re in our DNA.

Start Your PenFi Membership

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Membership has its rewards. Pay it forward and earn a $100 cash bonus!

Becoming a PenFinancial Member is just the beginning. Once you join, you can earn a $100 cash bonus every time you refer a family member or friend who joins. It’s that simple. Once a few conditions are met, you’ll both get a $100 cash bonus!

Valued-based banking

Values-based banking

We believe banking should reflect your values. As a 100% member-owned credit union, we reinvest in what matters most — our people and our communities. Every decision we make supports our mission to create shared prosperity for those we serve through values-driven advice and reliable financial services.

Local financial advice

Local financial advice you can trust

Our advisors take the time to get to know you — your goals, your challenges, and what really matters to you. Whether you're opening your first account or planning for retirement, you’ll get honest guidance without pressure or judgment.

Investing in our communities

A real stake in your community’s future

Choosing PenFinancial means your money stays local, creating real impact in Niagara and Haldimand communities. From supporting grassroots causes to investing in sustainable growth, you become part of something bigger — a movement rooted in community care.

Ready to join our truly local credit union?

Joining is simple — and we’re here every step of the way. Send us a message, book an appointment online, or call one of our branches, and we’ll have an advisor reach out to help you hit your financial goals.

Truly Local Commitment

Banking at PenFi is about more than just money.

It’s about financial solutions that generate prosperity for you and your community.

Our Truly Local Commitment is the heart and soul of our philosophy, where we believe the prosperity of our Members and our community go hand in hand. We commit a portion of our profits to support truly local initiatives, a living wage is our minimum wage, and we are a Certified B Corporation – just a few ways we are invested in our community.