• Welcome to PenFed

    Where members do better.

    Information for transitioning Energy Federal Credit Union members.

    Frequently Asked Questions  

    Not an Energy Federal Credit Union Member?

    Click Here 

    Your New Account

    See what you will need to know about your account starting January 1st


    Begin using your Access America Checking checks, debit card, or ATM card with PIN.


    Direct deposits and automatic transfers will go into your PenFed account(s).


    In order to set up future transfers between institutions, PenFed’s routing number is: 2560-7844-6. 

    Questions? Call Member Service at 866-386-7189

    PenFed Products

    You now have access to all PenFed's great rates and innovative products.

    Auto LoansAuto Loans  
    AccessAmerica CheckingAccessAmerica Checking  
    Credit CardsCredit Cards  

    Auto Loans

    Any auto loans that you had prior to January 1, 2017, will remain the same with the exception of the account number, which will be included on your first PenFed statement.

    See all of our low-rate auto loans.  


    Your First Mortgage Loan(s) will be transferred to PenFed effective January 1st. You will receive additional information about the transfer of your mortgage to PenFed in the coming weeks.

    Learn more about our mortgage options.  

    Access America Checking

    If you ordered checks for your Energy FCU checking account in the last year, PenFed checks will be sent to you in the weeks before January 1st. You can begin using your PenFed checks on January 1st. Your last Energy Federal Credit Union statement should be mailing in early January.

    Discover Access America Checking.  

    Credit Cards

    For current credit cardholders, PenFed will issue you an award-winning credit card in February. Until then, your Energy Federal Credit Union credit card will continue to work as it always has.Learn more about all of our award-winning credit cards.