Where you put your money matters, Niagara.

Joining PenFinancial Credit Union is about more than just the money, its also about building communities that thrive. We believe the prosperity of our Members and our community go hand in hand.

Contact us to become a member



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 mission to improve lives and strengthen communities is ingrained in everything we do. When you become a Member, you’ll get great products and services, and 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.

Contact us to become a member

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Exceptional service

In branch, on the phone, or online, when you contact PenFinancial, you’ll talk with PenFi employees that live right here in Niagara and Haldimand. You’ll experience the difference working with people who understand your situation and want to help you – all while having fun.

Ways to Bank →

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As a PenFinancial Member, you’re an equal owner. That’s right you own the same amount of PenFinancial as our CEO. No one at PenFinancial can own more than one share. As a Member, your needs matter and your voice counts. Come out to our AGM and make your voice heard.

About PenFi →

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Values-based banking

PenFi doesn’t give back to look good it’s who we are and it’s what we do for you. Our values mean we value you. They also mean we direct a portion of our profits back into local communities, pay a living wage, and are a Certified B Corporation. Banking with PenFinancial means having a real impact.

Truly Local Commitment →


Ready to join our truly local credit union?

So, you’re interested in joining PenFinancial – 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.

Learn about our TLC