Forms, Agreements and Disclosures

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PenFed attempts to make applications and forms available to you electronically whenever possible.

In some cases, technical or regulatory requirements mandate select forms are mailed to you.

General Forms

To view the forms in PDF format, all you need is free Adobe Acrobat Reader 4.0 or higher (Download Adobe Reader). Please complete the form and mail or fax it to PenFed.

(PDF) Membership Application (Form 20)

(PDF) Membership Application for Estate Accounts (Form 20-EST)

(PDF) Signature Card (Form 13)

(PDF) Home Deposit Labels

(PDF) Member Request for Tax Withholding (Form L-106)

(PDF) Puerto Rico Optional Dividend Withholding Election (English/Spanish) (Form 167)

(PDF) Request for Change of Name/Social Security Number/EIN (Form 34)

(PDF) Request for Taxpayer ID Number and Certification (IRS Form W-9)

(PDF) Request for Copy of Tax Return (IRS Form 4506)

(PDF) Request for Transcript of Tax Return (IRS Form 4506T)

PenFed Membership Disclosures (English/Spanish)

(PDF) Alternative Identification for Joint Owner (Form 39)

(PDF) Membership Application Supplement (for foreign, national, and organizational accounts) (Form 650)

(PDF) Non-Resident Alien Membership Application Supplement (Form 650-NRA)

(PDF) Substitute Instructions for IRS Form W-8BEN (Form 271)

(PDF) Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals) (W-8BEN)

Find Additional Information and Forms Below

Custodial Trust Account (VUTMA) Instruction Sheet and Forms

Irrevocable Trust (IRT) Instructions and Forms

Please complete all fields so we can process your request.

Notes:

Please confirm that your trust is an Irrevocable Living Trust (IRT). If your trust is a Revocable living Trust (RLT) different paperwork must be completed.
An IRT is a legal arrangement whereby assets are transferred by a person(s) (usually called the Grantor) during their lifetime into an IRT. Through the IRT, a party (Trustee) holds and manages the assets for the benefit of another person or persons (Beneficiary).
The Grantor chooses not to retain certain rights, ownership or powers over the IRT to ensure the IRT is not taxable to them and the assets may be removed from their estate.
An IRT will have its own PenFed membership since it is a separate entity. Either all Grantors or all Trustees or all Beneficiaries of the IRT must be eligible for membership with PenFed before the IRT can be established.
This account is set up under the Trust's Tax Identification Number.

Forms:

Membership/Account Application (Form 20-IRT)

The Grantor(s) and Trustee(s) must sign in the appropriate sections.

Declaration of Trust (Form 74)

The identity of the Grantor(s), Trustee(s), Successor Trustee(s), and Beneficiaries must be provided on this form.
Successor Trustees and Beneficiaries need only be completed if they are listed in their Trust.
All primary Trustees must sign for the IRT account to be established.

Application and Agreement for Irrevocable Trust (Form 43)

All primary Trustees must sign this form.

You might be interested in these additional IRT account products:

Application for Checking Account (Form 151-IRT)

Application for Premium Online Savings Account (Form 220-IRT)

Application for Money Market Savings Account (Form 400-IRT)

Application for Money Market Certificate (Form 688-TRUST)

All primary Trustees must sign at the bottom of the form. The "Member Owner" section must be completed with the IRT Information (SSN = Tax ID Number & DOB = Date Trust Established).

Additional Information:

IRA products, loans, ATM cards, and debit cards are not available for IRT accounts.
Only primary Trustees will have access to the funds.

Please call 1-800-247-5626 with questions and we would be happy to assist you.

Organization Account Instruction Sheet and Forms

Please complete all fields so we can process your request.

Eligibility for Membership:

AlI members of your Organization must be within our field of membership and must be:

Members of ASMC, CGAuxA, Marine Corps League, MOAA, NAUS, Navy League, ROA, USAWOA, VFW

OR
The Organization is a federal credit union

If the Organization’s members do not qualify as indicated above, a letter must be attached to the application with an explanation of how all members of the Organization meet PenFed’s membership requirements. For information on field of membership, please click here, or contact a Member Service Representative at 800-247-5626.

Forms:

Membership/Account Application (Form 20-ORG)

To establish, or make changes to your Organizational account, please fill out the Membership/Account Application Form (20-ORG).

Certification Regarding Beneficial Owners of Legal Entity Customers (37-ORG)

This form must completed yearly by legal entities regardless if changes are made that year.
Every time an account is opened or ownership is changed, this form must be completed. This form is attached to forms 20-ORG, 151-ORG, 400-ORG, and 688-ORG for your convenience.

Amendment to Resolution to Conduct Business with Pentagon Federal Credit Union (Form 1382)

To be used when making a change to your Organization’s information or account signers.
If all the signers on the account are changing, we need evidence provided from the organization evidencing the change in signers. This could be in the form of meeting minutes or a letter signed by a previous signer.

You might be interested in these additional Organizational account products:

Application for Checking Account (Form 151-ORG)

Application for Premium Online Savings Account (Form 220-ORG)

Application for Money Market Savings Account (Form 400-ORG)

Application for Money Market Certificate (Form 688-ORG)

All signers for the Organization must sign at the bottom of the form.

Additional Information:

ATM and debit cards are available for Organizational accounts.
Only secured Share Loans are available for Organizational accounts.

Please call 1-800-247-5626 with questions and we would be happy to assist you.

Public Unit Account Instruction Sheet and Forms

Removing a Joint Owner

Revocable Living Trust (RLT) Instructions and Forms

Please complete all fields so we can process your request.

Notes:

Before completing the following forms, please confirm your Trust is an RLT. If your Trust is an Irrevocable Trust (IRT), separate forms must be completed.

Definition: A Revocable Living Trust is a legal arrangement established by a person(s) (usually called the Grantor) during their lifetime through which a party (Trustee) holds and manages assets for the benefit of another person(s) (Beneficiary). An RLT may be amended or terminated by the Grantor at any time.
If your RLT has its own Tax Identification Number, your RLT will have its own membership.
If your RLT is under your Social Security number, PenFed will establish a secondary account in the name of your Trust. Your primary Share account and membership must remain in your name
If an account you wish to re-title to your RLT has a joint owner who is not a primary Trustee of the RLT, please contact us for joint removal paperwork as they will have to relinquish their ownership of the account.

Forms:

Membership/Account Application (20-RLT)

The Grantor(s) and Trustee(s) must sign in the appropriate sections.

Declaration of Trust (Form 74)

Please provide the identity of the Grantor(s), Trustee(s), Successor Trustee(s), and Beneficiaries on this form as indicated in the Trust.
All primary Trustees must sign for the IRT account to be established.

Application and Agreement for a Revocable Living Trust (Form 77)

All primary Trustees must sign this form.

You might be interested in these additional Revocable Living Trust account products:

Application for Checking Account (Form 151-RLT)

Application for Premium Online Savings Account (Form 220-RLT)

Application for Money Market Savings Account (Form 400-RLT)

Application for Money Market Certificate (Form 688-TRUST)

This form is to be completed if you wish to establish a new Certificate in the name of your trust.

Amendment to Share Certificate Agreement (Form 771)

This form is to be completed if you wish to re-title an existing Money Market Certificate in the Trust, and all current Certificate owners are primary Trustees.

If the Certificate you wish to re-title to your RLT has a joint owner who is not a primary Trustee of the RLT, please contact us for joint removal paperwork as they will have to relinquish their ownership of the account.

All primary Trustees must sign/complete the section titled Revocable or Irrevocable Trust. The primary owner of the Certificate must sign and list their Social Security number.

Additional Information:

You cannot re-title your primary Share account, loans, or IRA accounts in your Trust.

You can list your Trust as the beneficiary of your primary Share and IRA accounts by completing a Signature Card (Form 13) for a Share account, and IRA Designation of Beneficiaries (Form 732) for an IRA.

ATM and debit cards are available if the Grantor is also a Trustee.

Power of Attorney Instruction Sheet and Forms

Loan Forms

To view the forms in PDF format, all you need is free Adobe Acrobat Reader 4.0 or higher (Download Adobe Reader). Please complete the form and mail or fax it to PenFed. In addition, forms can be submitted through our secure server when they have a link to the “Online Version”.

(PDF) Loan Recurring Payment Instructions (Form 350)

(PDF) Monthly Mortgage Direct Debit Authorization (Form 492-A)

(PDF) Monthly Equity Loan Direct Debit Authorization (Form 492-B)

Financial Hardship Application (COVID-19, Permanent and GSE Mortgage Assistance)

(PDF) Joint Borrower Authorization - Current Penfed Member (Form 4)

(PDF) Joint Borrower Authorization - Non-Member (Form 4-B)

(PDF) What You Should Know About Your Home Equity Line of Credit

(PDF) Letter of Intent to Sell Vehicle (Form 127-B)

(PDF) Request to Self-Repair Vehicle Damaged in Accident (Form 784)

(PDF) Mortgage Application English/Spanish (Form 1003)

(PDF) Mortgage Subordination - Processing Fee (Form 1372)

(PDF) Mortgage Subordination - Requirements (Form 1374)

(PDF) Mortgage Subordination Agreement - Deed (Form 1375)

(PDF) Mortgage Subordination Agreement - Mortgage (Form 1376)

(PDF) Mortgage Subordination Agreement for Deed to Secure Debt (Form 1380)

(PDF) Borrower’s Authorization - EQUITIES (Form 1377)

(PDF) Application to Release Co-Signer for Student Loan Refinance (Form 159)

Credit Card Disclosures

To view the disclosures in PDF format, all you need is free Adobe Acrobat Reader 4.0 or higher (Download Adobe Reader).

Credit Card Pricing and Agreement

(PDF) Credit Card Pricing List

(PDF) Credit Card Agreement

Credit Card Program Rules, Terms & Conditions

(PDF) PenFed Platinum Rewards

(PDF) PenFed Power Cash Rewards

(PDF) PenFed Pathfinder Rewards

(PDF) PenFed Pathfinder Travel Credits

Credit Card Guide to Benefits

(PDF) Visa Traditional Benefits (Classic, Gold, Platinum Cash, Platinum Rewards, Promise, Power Cash)

(PDF) Visa Signature* Benefits (Platinum Rewards, Power Cash, Defender)

(PDF) Visa Travel Signature* Benefits (Pathfinder)

*Look under the Visa logo (front right bottom of the card) to determine if you have a Signature product.

Checking and Savings Account Forms

To view the forms in PDF format, all you need is free Adobe Acrobat Reader 4.0 or higher (Download Adobe Reader). Please complete the form and mail or fax it to PenFed. In addition, forms can be submitted through our secure server when they have a link to the “Online Version”.

(PDF) Access America Checking Account Application (Form 151)

(PDF) Amendment to Share Certificate Agreement (Change of Ownership) (Form 771)

(PDF) Debit or ATM Card Application (Form 185)

(PDF) Check Statement Reconciliation (Form 1379)

(PDF) Deposit Voucher (451W)

(PDF) Direct Deposit Form - Government Agencies (Form 1199A)

(PDF) Direct Deposit Form - Non Government Agencies (Form 1299)

(PDF) EFT Disclosure (Form 16)

(PDF) Traditional and Roth IRA Application (M-36)

(PDF) IRA Individual Retirement Account - Transfer Authorization (Form L-594)

(PDF) IRA Designation of Beneficiaries (Form 732)

(PDF) IRA/Education Savings Account Contribution Voucher (Form 734)

(PDF) IRA Withdrawal Voucher (Form 735)

(PDF) Signature Card (Form 13)

(PDF) Money Market Certificate Application (Form 688)

(PDF) Money Market Savings Account Application (Form 400)

(PDF) Privacy Policy

(PDF) Stop Payment of Official Check (Form 802)

(PDF) Student Checking Application (Form 151-STU)

(PDF) Unauthorized/Improper ACH Activity (Form 890)

(PDF) Premium Online Savings Account and Membership Application (Form 220)

Education Forms

To view the forms in PDF format, all you need is free Adobe Acrobat Reader 4.0 or higher (Download Adobe Reader). Please complete the form and mail or fax it to PenFed. In addition, forms can be submitted through our secure server when they have a link to the “Online Version”.

(PDF) Education Savings Account (Form 736ESA)

(PDF) Request for Student's or Borrower's Taxpayer Identification Number and Certification (Form W-9S)

U.S. Treasury Direct Deposit Calendar

Submitting Forms to PenFed

Please complete the form and mail or fax it to PenFed. In addition, forms can be submitted through our secure server when they have a link to the “Online Version”.

FAX FORM TO:

1-800-278-2212 or 1-800-557-7328

MAIL FORM TO:

P.O. Box 247009

Omaha, NE 68124-7009

DOCUMENT UPLOAD:

Secure Document Upload

Regular Delivery:	Express Delivery:
Pentagon Federal Credit Union Attn: Research Box 247009 Omaha, NE 68124-7009	Pentagon Federal Credit Union Attn: Research 13220 Fort Street Omaha, NE 68164
Pentagon Federal Credit Union Attn: Research Box 1432 Alexandria, VA 22313-2032	Pentagon Federal Credit Union Attn: Research 2930 Eisenhower Avenue Alexandria, VA 22314
Pentagon Federal Credit Union* Attn: Research Box 70046 Springfield, OR 97475-9901	Pentagon Federal Credit Union* Attn: Research 400 Country Club Road Eugene, OR 97401

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FORMS & AGREEMENTS

Search Forms

General Forms

Find Additional Information and Forms Below

Custodial Trust Account (VUTMA) Instruction Sheet and Forms

Irrevocable Trust (IRT) Instructions and Forms

Organization Account Instruction Sheet and Forms

Public Unit Account Instruction Sheet and Forms

Removing a Joint Owner

Revocable Living Trust (RLT) Instructions and Forms

Power of Attorney Instruction Sheet and Forms

Required Documents and Forms:

Loan Forms

Credit Card Disclosures

Checking and Savings Account Forms

Education Forms

U.S. Treasury Direct Deposit Calendar

Submitting Forms to PenFed

Mail completed forms to a PenFed service center near you

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.

You are leaving PenFed.org and entering a third party Website.

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.

FORMS & AGREEMENTS

Search Forms

General Forms

Find Additional Information and Forms Below

Custodial Trust Account (VUTMA) Instruction Sheet and Forms

Irrevocable Trust (IRT) Instructions and Forms

Organization Account Instruction Sheet and Forms

Public Unit Account Instruction Sheet and Forms

Removing a Joint Owner

Revocable Living Trust (RLT) Instructions and Forms

Power of Attorney Instruction Sheet and Forms

Required Documents and Forms:

Loan Forms

Credit Card Disclosures

Checking and Savings Account Forms

Education Forms

U.S. Treasury Direct Deposit Calendar

Submitting Forms to PenFed

Mail completed forms to a PenFed service center near you

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