Penny Pratt has extensive experience in the financial industry. Penny started their career in 1985 as a Branch Manager and Officer at Rochester Community Savings Bank. Penny then worked at Xerox Federal Credit Union as the National Sales Director from 1995 to 2006. In 2007, they joined SAFE Federal Credit Union as the SVP of Lending and Sales, a position they held until 2014. From 2014 to 2016, they worked at SAFE FCU as the Executive Vice President and Chief Operating Officer. Currently, they are the CEO of Family Trust Federal Credit Union, a position they have held since December 2016.

Penny Pratt attended the State University of New York at Oswego from 1979 to 1982. During this time, they pursued a Bachelor of Business Administration (BBA) degree with a focus on Business Administration and Management, General. After completing their undergraduate studies, there is no specific information available regarding any further education for Penny Pratt. However, they did attend SUNY Empire State College to obtain a Masters degree in Business and Policy Studies, although the start and end years for this program are unknown.

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