Yes, we mean you!
Join the Truly Local Difference

Wherever life takes you, we’re here with advice, tools, and support to help you grow — with the power of Truly Local Banking behind you.

Book an
appointment

Let’s connect — book a time that works for you and speak with someone who truly understands your local needs.

Send us a
message

We’d love to hear from you! Send us a message and one of our team members will be happy to help you get started.

Apply
online

Start your secure membership application online anytime with simple, safe 24/7 access from anywhere.

refer-your-friends-and-family-photo

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!

We’re 100% Member-owned

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.

About PenFi →

Personalized Service

You get personalized advice — not sales pitches

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.

Ways to Bank →

Values-based Banking

We support local communities and causes

We are committed to helping to improve lives and strengthen communities. With honest advice, a Truly Local Commitment, and a pledge to pay all employees a Living Wage, we deliver banking that puts people — not profits — first.

Truly Local Commitment →

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, 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.

Let’s Get Started

Ready to join our truly local credit union?

We offer several convenient ways to apply for membership:

Use this form to send us a message and one of our team members will be in touch.
Book an appointment with an advisor.
Start your membership application online.

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 are a member-owned financial co-operative helping to improve lives and strengthen communities across Niagara and Haldimand. With honest advice, a Truly Local Commitment, and a pledge to pay all employees a Living Wage, we deliver banking that puts people — not profits — first.