Compare PenFed against the national average and see how much you can save. Select the product you would like to compare below.
1 APR = Annual Percentage Rate. PenFed Credit Union rates outperform the national average earning a Datatrac Great Rate Award. National Average is calculated by Datatrac. ©Datatrac 2016
1 APR = Annual Percentage Rate. 100% financing, A+ Credit Score. National Average is calculated by Datatrac.
1 APR = Annual Percentage Rate. National Average is calculated by Datatrac.
PenFed is a credit union and, by law, requires you to become a member before you may obtain any products.There are many ways to qualify for a PenFed membership and applying is easy. Once you open your $5 Savings/Share Account, you’re a member! Below are more details about the membership process.
Join via your military affiliation, employment, association membership or volunteerism.
Tell us about yourself and where you live. Name, phone, email and address to get started.
Open your savings account with just a $5 initial deposit and you’re a PenFed member!
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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.
Join Now & Start Enjoying Member Benefits
To join, you need only fulfill two requirements:
Become a member and take advantage of products and offers exclusive to membership!
Become a member in 3 steps; it is fast and easy to set up an account online. No military affiliation required!