Welcome to the Truly Local Hub

Sit back, relax, and experience the truly local credit union difference.

With the situation surrounding COVID-19 continuing to unfold, PenFinancial is closely monitoring the advice of the public health agencies and taking added precautions to ensure the health and well-being of our staff, Members, our community and ensuring the continuity of our operations.

At this time most PenFinancial branches remain open, with reduced operating hours.
We are available to serve you Monday-Tuesday & Thursday-Friday between 10am and 4pm, and we will be closed on Wednesdays and Saturdays.
Learn more and see branch specific details at penfi.ca/COVID-19.





Our Truly Local Commitment

Our Truly Local Commitment is the heart and soul of PenFi’s philosophy, where we believe the prosperity of our members and our community go hand in hand.

Learn about our commitment

Truly Local

When you invest with us, your money goes back into your community to help other members achieve their goals of buying their dream home in Crystal Beach or opening a small business in downtown St. Catharines. Plus, we reinvest profits by donating to local organizations because we believe the prosperity of our members and our community go hand in hand.

Learn about PenFi Investments

Truly Local

We know Niagara’s economy, housing markets, and unique communities (yes, even you Chippawa and Ridgeway). We are Niagara’s truly local banking. We hear you and want to help. Learn about how to live your best life in Niagara with our articles, stories, and truly local advice.

More Advice on the PenFi Blog

Truly Local

So you want to work here…we can’t really blame you. It could be the best decision you’ll make in your life. After all, when you work at PenFi, not only do you get to work in the community where you live, but you also get some truly awesome perks along the way.

See Career Opportunities

Truly Local

Already a member? Share the love of PenFi with your friends and family and you’ll both be rewarded! Together we can improve lives and strengthen communities in Niagara.

Learn about the referral program