Truly local banking

The truth is, we do a lot of the things the big banks do. We just do them with a different set of values.

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Online Banking

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About PenFinancial

Where others have branches, we have roots.

PenFinancial Credit Union has been helping Niagara grow for over 60 years. With 20,000 Members, and a rich history, our roots are firmly planted and our future is strong. As a values-driven co-operative we believe the prosperity of our Members and our community go hand in hand, and we’re on a mission to improve lives and strengthen communities.

Our Truly Local Commitment is ingrained in everything we do, which is why we commit to investing a portion of our profits back into Niagara and Haldimand communities. We hold ourselves to an uncompromising standard of giving back, whether it’s through our B Corp certification, socially responsible investing philosophy, or donating the Bob Watson Community Room space to local not-for-profits. We are also proud to be the first financial institution in Niagara to be recognized as a Living Wage Employer by the Ontario Living Wage Network.

As part of our commitment to sustainability, PenFinancial proudly chooses 100% renewable energy for all of our locations through our partnership with Bullfrog Power.

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PenFinancial is bullfrogpowered


Community minded, and we mean it

Supporting the community should mean much more than offering financial support. Through volunteerism, education and sharing our expertise, we truly support the communities where we live and work.


Different where it counts

PenFinancial Credit Union offers the same services as banks, but we do it with a different set of values. We reinvest in our local community by providing loans and mortgages to your friends and neighbours, and we support local organizations and events. Together we keep our communities strong and sustainable.


Bankers, but also human

Financial institutions aren’t known for their heart. But PenFinancial is. We aren’t driven by commissions, but we are driven by your financial success. If we can have a little bit of fun along the way, then why not!

PenFinancial Community Room

Board of Directors

Members representing our Members

Every organization has a serious side. That’s our Board of Directors. They're a group of elected PenFinancial Members providing corporate governance on behalf of all Members. The board provides overall strategic direction to improve and enhance the short and long term stability of PenFinancial and ensure future sustainability.

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PenFinancial Vision and Values

Our Vision and Values

Improving Lives & Strengthening Communities

Our mission is to improve the lives of our Members, residents across Niagara and Haldimand, and the lives of our employees and their families. Our values of accountability, passion, integrity, knowledge, and respect guide everything we do. Throw in some laughter and that’s how we achieve our vision for a better business and a community that thrives.

Learn about our values

Are you interested in becoming a Member at PenFinancial?

At PenFinancial, we’ll work with you to achieve your financial goals. And through our Truly Local Commitment, we’re improving lives and strengthening communities across Niagara and Haldimand. Send us a message, book an appointment online, or contact your local branch, and we’ll have an Advisor reach out to help you hit your financial goals.



PenFi Leaf IconWe TRY HARDER. We have heart. We know you do too. We choose CHANGE. It takes COURAGE to be different. Driven by PURPOSE. Having fun and feeling good about our choices. We believe the prosperity of our members and our community goes hand in hand. Together we get what we give. We are TRULY LOCAL. Remaining inclusive and accountable, with integrity and respect. Improving lives. Strengthening communities.

This is our commitment to each other.