Energy Federal Credit Union is no longer accepting new memberships. However, you have the opportunity to join the PenFed family!
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1. Rates and offers current as of November 30, 2016, and are subject to change. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rate also depends on amount borrowed and term. Other restrictions, including vehicle age and mileage, may apply. Vehicle weight restrictions apply. Financing up to $100,000. Maximum used car loan advance will be determined by PenFed using a NADA value. Up to 110% financing is available to qualified members for vehicle purchases. One hundred percent financing available for refinanced vehicles. Rates as low as 1.99% APR apply to used vehicle loan amounts for up to 36 months. Used car loan example: $20,000 loan with a rate of 1.99% APR, 36 monthly payments of approximately $572.46. New vehicles are where you are the original owner and the vehicle is a current (2017) or prior model year (2016). Rates as low as 1.49% APR applicable to new vehicles financed for up to 36 months. New vehicle payment example: $20,000 loan with rate of 1.49% APR, 36 monthly payments of approximately $568.41. Rates as low as 1.49% APR apply to new vehicle refinance loans financed for up to 36 months. PenFed does not permit internal refinances of an existing PenFed auto loan. New vehicle refinance payment example: $20,000, 1.49% APR, 36 monthly payments of approximately $568.41.
2. Rates and offers are in effect as of December 2, 2016, for new applications, for a limited time, and subject to change without notice. 30-Year Fixed Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $250,000 and an estimated property value of $350,000. The property is located in Alexandria, VA, and is within Fairfax County. The property is an existing single-family home and will be used as a primary residence. At a 3.875% interest rate, the APR for this loan type is 4.011%. The monthly payment schedule would be 359 payments of $926.23 at an interest rate of 3.875% and 1 payment of $926.63 at an interest rate of 3.875%. Payments shown do not include taxes or insurance escrows; actual payments may be greater. An escrow (impound) account may be required. The application of additional loan level pricing adjustments will be determined by various loan attributes to include but not limited to the loan-to-value (LTV) ratio, credit score, transaction type, property type, product type, occupancy, and subordinate financing. Investment properties not eligible for offers. The maximum combined loan-to-value (CLTV) is 95%. The maximum LTV and CLTV for condominiums is 80%. The applicant is responsible for the following fees and costs at the time of closing: Origination fee, appraisal fee, tax service fee, title fees, transfer tax fees, credit report fee, flood certification fee, recording fee, survey if required and work verification fee, escrow reserves and interest due until first payment. Other costs may be included due to program-specific circumstances. This is not intended to be an all-inclusive list. Additional terms and conditions apply.
3. Annual Percentage Yield (APY) current as of November 30, 2016 and is subject to change at any time. Minimum opening deposit is $1,000. A penalty will be imposed for early withdrawal which will reduce the earnings on the account.
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Prudential PenFed Realty is a wholly owned subsidiary of PenFed.
If you are ready to open a new IRA account, please print, complete, and return the IRA application:
IRA Application Booklet
If you have a PenFed IRA and would like to open an IRA certificate, please call a member service representative at 1-800-247-5626.
If you are ready to open a new Coverdell Education Savings Account (ESA), please print, complete, and return the following application:
Coverdell ESA Application
If you have a Coverdell ESA with PenFed and would like to open an ESA Certificate, please call a member service representative at 1-800-247-5626.
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