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For faster processing, make your payment online

Making a Credit Card Payment

For faster processing, make your payment online

How to make an online credit card payment:

  • Set up a payment account that will be associated with your credit card.
  • Make your online payment quickly and easily.

You can make multiple payments per day from a PenFed account.

Automatic Monthly Credit Card Payments

With AutoPay, payments are automatically made on your due date each month.
Once you’ve enrolled in PenFed Online, you can set up AutoPay and make automatic monthly payments to your Credit Card(s).

You've got options when it comes to how much you pay:

Your minimum payment: the amount will vary according to your new balance amount each month and will be shown on your monthly statement.

Your last statement balance: the balance amount (your total balance as of the date your statement was issued) indicated on your monthly statement.

A fixed monthly payment: an amount of your choice. There is no minimum monthly fixed amount. If your current balance is less than the fixed monthly payment amount, we will only process the payment for the amount you owe.

Setting up AutoPay:

To set up AutoPay, enter the required information including the credit card account you want to pay, the payment account you want to pay from, and the payment amount. Your payment will be made on the cycle date each month.

Log into

  1. Click “Make a Payment” button on the desired credit card
  2. Choose your “from” and “to” accounts from the dropdown
  3. Under “Frequency” click the dropdown and choose “Monthly AutoPay”

Under “Payment Option” click the dropdown and choose the amount you would like to set up for AutoPay.

Making additional payments while AutoPay is set up:

Extra payments are welcome, but will not cancel or change any scheduled payments. AutoPay payments still occur unless you cancel them. Sometimes this can lead to you paying more than you intended for the month.

If you choose to pay a fixed amount and that amount is less than the Minimum Payment, you’ll need to make an additional payment to keep your account up-to-date and avoid late fees.

Add a Payment Account to Make Online Payments

Pay your credit card online quickly by keeping a payment account on file

To add a payment account, just follow the directions under Add External Account.

If you set up multiple pay “from” accounts, you can choose any of them from the dropdown menu.

  1. Log into
  2. Click on “Transfers” from the main navigation bar
  3. Click on the green button “Link External Account”
  4. Follow directions to add an external account

View and Manage your Credit Card Payments

View scheduled payments, completed payments, and more

View Scheduled Payments:

  1. Log into
  2. From your credit card account, click on “Manage Payments” in blue.
  3. All of your pending online, mobile, phone and AutoPay payments will show up on this page and can make adjustments.

View Completed Payments:

  1. Log into
  2. From your credit card account, click on “view all” to view more transactions.
  3. Click on the “Fees and Payments” tab to view all your fees and payments for the previous year.

All of your processed online, mobile, phone and AutoPay payments will display here.

View Your Minimum Payment:

To view your minimum payment due this month, sign on to your account, and it will be listed on the right under “Minimum Payment Due” along with the due date. On this page, you can view your current minimum payment and other account information. If you have not received your first statement, we have not calculated your due date, and you don't owe us a payment yet.

You can also view your minimum payment by clicking on your credit card account, then the “Card Details” box. There you will be able to view all your card details such as Available Credit, Credit Limit, Minimum Payment Due, Payment Due Date, Last Statement Balance and Last Statement Date.

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