Most answers are just a click away



To apply for a loan or credit card, simply choose your product of choice from the Products menu button at the top of your screen, and then click "Get Started" to launch into your loan application.

If you are already a member and have registered for PenFed Online, you can also submit your application directly from your account on PenFed Online. The PenFed Online login portal is located in the upper right-hand corner of every page on our

Your username can be blocked when your security questions have been incorrectly answered. To request that your username be unblocked, please contact a Member Service Representative at 800-247-5626.

Once your username has been reset, you will be asked to re-establish your security questions. This is to ensure that the answers to your security questions are accurate.


Sending Funds From Your PenFed Account to Another Financial Institution
To wire funds from your PenFed account to another financial institution, please contact a Member Service Representative at 800 247-5626.  You will need to provide your account number at the other financial institution as well as their ABA routing number.  Keep in mind that PenFed charges $25 for a domestic wire transfer and $30 for an international wire transfer. Other fees may apply at the receiving financial institution.


Sending Funds From Another Financial Institution to Your PenFed Account
To wire funds from another financial institution to your PenFed account, please initiate the transaction with your other financial institution. You will need to provide your PenFed account number as well as our ABA routing number 2560-7844-6. PenFed does not charge a fee to receive a wire transfer.


Cut-off times
PenFed may establish cut-off times for the receipt and processing of funds transfer requests, amendments or cancellations. Payment orders, cancellations, or amendments received after the cut-off time may be treated as having been received on the next funds transfer business day.

  • Incoming cutoff: 3:30 central time
  • Outgoing Domestic cutoff: 3:00 central time
  • Outgoing International: 2:30 central time 

If you would like to transfer funds to PenFed from another financial institution electronically, you may be able to do so, free of charge, via PenFed Online.  Please visit the Transfer via ACH page for complete instructions.

For more information, download the International Wire Transfer Error Resolution and Cancellation Disclosure.

System Requirements for PenFed Online:

See below for browser and operating system requirements, number of transactions, online availability, and screen resolution specifications. 

PenFed Online Banking Browser Compatibility:

  • Internet Explorer 9+
  • Firefox 9+
  • Safari 5+
  • Chrome 54+
  • Opera 18+


Bill Pay Supported Browsers and Operating Systems:

Operating System Internet Explorer Safari Firefox Chrome
Windows® 7 SP1 11 NA 34.0 - 35.0 39.0 - 40.0
Windows® 8.1 11 NA 34.0 - 35.0 39.0 - 40.0
OS X 10.9 (Mavericks™) NA 7.0.6 - 7.1 34.0 - 35.0 39.0 - 40.0
OS X 10.9 (Yosemitie™) NA 8.0 34.0 - 35.0 39.0 - 40.0
iOS 8.1 NA Mobile Safari    


Technical Specifications:


The free Adobe Acrobat Reader 9.0 or higher is required to open PDF files. Most new computers are shipped with Adobe Acrobat Reader already installed. If however, your computer does not have Acrobat Reader or has an older version installed, you should first download the latest version for free from the Adobe web site at Installation takes only a few minutes (depending on your connection speed) and generally does not require any advanced knowledge of computer operating systems.


Number of Transactions Listed:

No more than 100 transactions will be available for display in the Account Transaction Activity section for credit cards. For loan accounts (except mortgages) will display up to six months of information, up to 300 transactions.


PenFed Online Availability:

To ensure trouble-free service from your PenFed Online system it is necessary to perform weekly maintenance. To perform the needed servicing PenFed Online may be unavailable to members on Sunday's from 4:00 A.M. to 6:00 A.M. EST.

Additionally, a daily system outage is necessary from Tuesday-Saturday for a fifteen or twenty-minute period. This outage occurs during the least active times between 4:30 A.M. and 6:00 A.M. EST. 


Screen Resolution:

To see all of your data without scrolling from side to side you should set your screen resolution to a minimum of 1024 x 768 pixels.

Windows: To set the screen resolution on a Windows-based computer click the Start button in the bottom left of the monitor.

  1. Select Control Panel. A new window will open.
  2. Select Display.
  3. Select the Settings tab.
  4. On the right side in the middle is a section called Desktop Area. Place your mouse pointer on the slider and move it to the right until it reads "1024 by 768 pixels". This is the minimum size required. PenFed Online will function properly at larger sizes; however, the type will appear smaller on screen.
  5. Click OK. 

Mac OS X: To set the screen resolution on a Mac computer, select System Preferences in the Apple menu at the top left of the monitor.

  1. Click Displays
  2. From the list of available resolutions, choose 1024 x 768 or any resolution higher than that which will properly fit the proportions of your monitor.


To check your application status at any time, just log on to PenFed Online. 

  1. Access PenFed Online from any page using the LOG IN button at the top of the page. 
  2. Login with your username and password. 
  3. From the Main Menu page, click on the “Apply Now” tab near the top of the page to view existing applications. 
  4. Next, under the 'Recent Application' section, you have the option to select the tab that states "Open" to view active loan application or "Recently Completed" to view recently closed applications.

If you forget your username and/or password, select “Setup your online account or get help signing in” from the login page. Then follow the on-screen instructions to receive an email with your username and/or to reset your password online.



To view mortgage rates, payments and costs online at any time, or to learn more about home loans, please visit the following pages:

By Phone:

If you wish to contact us about first mortgage rates or applications by phone, call our Mortgage Department:


Toll Free U.S.: 800-970-7766

Monday-Saturday: 8:30AM -10:00PM EST

Sundays: 9:00AM-5:30PM EST

Sign-up for E-Messages:

Tired of all of that mail showing up at your mailbox or post office box? Then sign up for E-Messages and help cut down on the clutter!

You have several options to choose from on what type of messages you wish to receive electronically and can receive E-Messages on:

  • E-Statements (for your consolidated accounts) - Receive an e-mail notification that your statement is ready. Save money, save time, save trees.
  • Credit Card E-Statements/Bills 
  • Tax Statement Notifications - Access your IRS tax forms online!
  • Loan Application Notifications 
  • Account Alerts - Receive an e-mail when an action is taken on your account(s) where you are the primary account holder.
  • Informational Alerts - Receive an e-mail when your personal information changes such as address, contact e-mail, password, or PIN.


How to Sign-Up for E-Messages:

Signing up is simple. Log onto your PenFed Online account and go to the "Go Paperless" tab at the top (highlighted in green). Then you will need to select to opt-in for all E-Messages, or select any multiple of the following:

  • Consolidated Account Statements
  • Credit Card Bills/Statements
  • All Other PenFed Communications
  • IRS Tax Statements
  • All of the Above

PenFed's ABA routing number is 2560-7844-6.

Please choose a calculator. Whether you're looking to purchase a new home or vehicle or simply wish to see how much money you can save, we're here to help.

Home Loan Calculators:

Loan Calculators:

Savings and Certificate Calculators:

Looking for the service fees listing for PenFed? Click here for our current list of service fees for PenFed


Looking for a form?

You can check out our forms page on or check out the individual product you are after and see the forms that are linked from there.

PenFed Car Buying Service offers you a quick alternative to find your auto, car, truck, or SUV and apply for the loan to fit your budget.

To access your PenFed accounts online, click “Log In” in top right corner of the page and enter your username and password.

Mobile Deposit:

Make remote deposits from your mobile device with the PenFed Mobile App


Deposit by Mail:

If you are already a member and would like to make a deposit or loan payment, mail to:

Pentagon Federal Credit Union
Box 1400
Alexandria, VA 22313-2000
Pentagon Federal Credit Union
Box 247009
Omaha, NE 68124-7009

See also: Deposit/Payment Voucher (PDF)


For hours of operation, please refer to our contact us page or our ATM and Branch locator.

For information about closing your account, please contact a Member Service Representative for help. Please check our contact us page for hours.


Detailed steps on integrating programs such as Quicken, Microsoft Money or with your Penfed account can be found here.

Find the information you need at our Website Security Page here.

Visit the Access Bill Pay page for more information.

Click here for Access Bill Pay Terms and Conditions


If you receive errors while using PenFed Online either on a constant basis or errors that seem unusual, contact us. Be sure to include the following:

  • Your name 
  • Your member number 
  • Browser and platform version 
  • A detailed description of the problem 
  • Approximate date(s) and time(s) the error occurred  

Issue: I'm getting a secured certificate error message when I attempt to access on my Mac.

Solution: In order to correct this error when you are accessing the website via Chrome on your Mac computer, please perform the following steps to alleviate the aforementioned issue.


1. Open Chrome 
2. Navigate to ‘’ 
3. On the error page, choose to view ‘Certificate Information’ by clicking the lock in the URL bar 
4. Drag the certificate to the desktop (note the file name is ‘’) 
5. Using Chrome’s wrench menu (to the right of the URL bar), select ‘Settings’ 
6. Within the Settings menu, choose to ‘Show advanced settings…’ 
7. Under the ‘HTTPS/SSL’ heading, choose to ‘Manage certificates…’ 
8. In the left column of Keychain Access, select ‘login’ and ‘Certificates’ 
9. If ‘’ does not already exist in this window, drag the certificate from step 4 into the window 
10. Double-click the certificate within Keychain Access 
11. Expand ‘Trust’ 
12. Change the value of ‘Secure Sockets Layer (SSL)’ to ‘Always Trust’ 
13. Close the window (you may be required to provide credentials at this point) 
14. Quit Keychain Access 
15. Quit Chrome (this is critical, as Chrome will not recognize the new trust rule until it is restarted) 
16. Open Chrome 
17. Navigate to ‘’ – the site should render at this point. 

To delete temporary Internet files (clear cache)

Microsoft Internet Explorer 7.x for Windows

  1. Choose Tools and then Internet Options.
  2. In the Temporary Internet Files section, click Delete files.
  3. Click OK.
  4. Click Close.

Microsoft Internet Explorer 6.x for Windows

  1. Choose Tools and then Internet Options.
  2. In the Temporary Internet Files section, check Delete all offline content.
  3. Click OK twice.

Microsoft Internet Explorer 5.x for Windows

  1. Choose Tools and then Internet Options.
  2. In the Temporary Internet Files section, click Delete Files.
  3. Click OK twice.

Microsoft Internet Explorer 4.x or higher for Macintosh

  1. Choose File and then Preferences.
  2. Select Web Browser and then Advanced.
  3. In the Cache section, click Empty Now.
  4. Click OK.

Firefox 3.x or higher for Windows

  1. Choose Tools and then Clear Private Data.
  2. Check Cache. Note that any other checked items will also be cleared, so un-check any that you do not want to clear.
  3. Click Clear Private Data Now.

Firefox 3.x or higher for Macintosh

  1. From the Firefox menu, select Preferences.
  2. Select the Privacy icon.
  3. Click Clear Now.
  4. Check Cache. Note that any other checked items will also be cleared, so un-check any that you do not want to clear.
  5. Click Clear Private Data Now.

Safari 3.x or higher for Windows

  1. Choose Edit and then Empty Cache
  2. Select Empty when the "Are you sure you want to empty the cache?" confirmation is displayed.

Safari 3.x or higher for Macintosh

  1. From the Safari menu, select Empty Cache.
  2. Select Empty when the "Are you sure you want to empty the cache?" confirmation is displayed.

Opera 9.x or higher for Windows

  1. Choose Tools and then Preferences.
  2. Select the Advanced tab.
  3. On the left hand side, select History.
  4. Click Empty Now.
  5. Click OK.

Opera 9.x or higher for Macintosh

  1. From the Opera menu, select Preferences.
  2. Select the Advanced tab.
  3. On the left hand side, select History.
  4. Click Empty Now.
  5. Click OK.

Your deposits at PenFed are federally insured by the NCUA (National Credit Union Administration). NCUA insurance is the equivalent of FDIC (Federal Deposit Insurance Corporation) insurance. The difference is that the NCUA works with credit unions while the FDIC works with banks.

You can learn more about Share Insurance at the NCUA. You can also estimate the insurance coverage on your account using the NCUA’s Share Insurance Tool Kit.

We’ll never ask you to send us personal information such as an account number, card PIN or Social Security or Tax ID over text or email.

If you do receive a request like this or any other suspicious email, that appears to be from Pentagon Federal Credit Union but you suspect may be fraudulent, forward it to us immediately at “"

To report a suspicious text or social media message: Forward it to us immediately at "" Please include a screen shot or copy of the message and the number of the sender.

Why criminals send fraudulent email:

One of the ways criminals try to trick people into providing personal account information for identity theft purposes is to send email that appears to have been sent by Pentagon Federal, but has actually been sent by the criminal.

The phony email asks you to go to a website that looks like a PenFed site, but is actually a site the criminal has set up asking you to provide your personal account information. Sometimes the email may ask you to call a phone number and provide account information.

As a member of PenFed you can establish accounts for minor children by register them as member in their own right, which will allow them to have a Regular Share Account and Checking Account.

Not a member yet? Become a member by filling up this form

To open a Checking Account in the name of a Minor, please complete the Checking Account Application

If your minor child is under the age of 16, an adult joint owner must be added to the Regular Share Account, the adult must add their information in the joint section of the Membership Application (Form 13).

Additionally, the minor child must be 16 years of age or older with an eligible adult joint owner to have a checking account or debit card.

Please note, you may add up to 2-3 joint owners on each account incase both parents or guardians would like access to the minors account.

The documents may be submitted by email, fax or mail to the address below:

Pentagon Federal Credit Union
PO Box 70046
Springfield, OR 97475-0103

Fax: 800-278-2212 or 541-345-0512

At Pentagon Federal Credit Union, we are one big family and like any other family our member have different ways to call us, either PenFed Credit Union or simply PenFed we are always there for them.