You can apply and view your pre-qualified loan offers with no impact on your credit. If you choose to accept a loan offer, PenFed will ask permission to obtain a full credit report that will result in a credit inquiry by PenFed reported to one or more credit bureaus. If you’re a PenFed member and would like to know more about your credit, enroll for free in our PenFed Credit Navigator.
Pre-qualification refers to an estimate for financing given by a lender based on information provided by a potential borrower. This estimate is considered a soft-pull credit inquiry that does not impact your credit score. If you choose to initiate a loan application after checking your rates, you will be required to authorize a full credit report inquiry, which would be considered a hard pull and may affect your credit.
No. The first step is to apply for pre-qualification to see the rate(s) and term(s) you qualify for. Then, once you’ve arranged financing, it’s time to find your new car. You can go with a dealership of your choice, or you can use the PenFed Car Buying Service for exclusive members savings.
PenFed offers auto loans up to $150,000. We even finance luxury vehicles, classic cars, and performance vehicles. Financing is available up to the JD Power valuation of the vehicle plus tags, title, taxes and extended warranties (not to exceed 125% in the U.S., Puerto Rico, and Virgin Islands). That means you can receive a loan with no cash down and make your payment even lower with flexible terms.
PenFed will send the check directly to you by mail. The check will be made payable to the dealership or seller.
PenFed offers purchase loans on automobiles with fewer than 125,000 miles.
No. PenFed will not charge you any fees to apply or pay off your loan early.
Yes. You just need to apply for a PenFed "Title Loan" and have a copy of your lien-free title available for your application.
To apply for an auto loan:
OR
If you are already a member and have registered for PenFed Online:
To check your application status at any time, just log into PenFed Online.
Under the “Recent Application” section, select the tab that states "Open" to view active loan application, or select "Recently Completed" to view recently closed applications.
We have multiple options to submit your proof of insurance, to ensure you are sending the information we need, please review these requirements.
Depending on your state requirements and loan type, please refer to this help article for more information.
Yes, your loan can be paid off at any time without penalties.
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PenFed Credit Union |
OR |
PenFed Credit Union |
|---|
Third-party organizations should only remit payments via check to the address below. Please also include specific instructions on where the Title should be released too.
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PenFed Credit Union |
OR |
PenFed Credit Union |
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Select your product of choice from the Products menu button at the top of your screen.
Click "Get Started" to launch your loan application.
OR
If you are already a member and have registered for PenFed Online:
You can submit your application directly from your account on PenFed Online.
Access the PenFed Online login portal in the upper right-hand corner of every Penfed.org page.
To check your application status at any time, just log into PenFed Online.
Access PenFed Online using the “Log In” button at the top of any page.
Log in with your username and password.
From the Main Menu, click on the “Apply Now” tab near the top of the page to view existing applications.
Under the 'Recent Application' section, select the tab that states "Open" to view active loan application, or select "Recently Completed" to view recently closed applications.
The process is simple, easy, and quick. Please visit our Personal Loans page to start the process.
Definitely. Every year millions of U.S. consumers use unsecured loans for debt consolidation of high-interest credit. If you’re feeling overwhelmed by multiple debt payments, or you want to lower your monthly payments, you can combine unsecured debts into one lower, fixed-rate loan.
You can apply for up to $50,000 across all personal loan applications with PenFed.
APRs range from % to
%. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate.
Yes. There are no penalties for paying off your loan early.
No. Personal loans are unsecured, meaning you don’t need to put up collateral like a house or a car to secure your loan.
You can choose to receive your loan funds electronically into an account of your choosing or request to have a check mailed to a physical address. Both options may not be available to every applicant.
Funds are available as early as the next day, depending on the method selected.
Direct Deposit & ACH: 1-2 Business Days
Check: 5-7 Business Days
The actual timing may be longer or shorter depending on the time of day that your loan processes and depending on your financial institution.
No. PenFed personal loans have no origination fee.
No, you don’t need to become a member to apply. However, should you choose to move forward with your loan, we will create your membership for you. Anyone of age can join. No military affiliation required.
Checking your rate will not affect your credit score. If you decide to move forward with your loan after checking your rates, we will require a full credit report inquiry which will result in a hard pull and affect your credit.
We may request your recent paystubs, retirement statements, bank statements, or tax returns depending on your income situation.
We may request a copy of your government- issued photo ID such as an unexpired passport or driver’s license, a copy of your latest utility bill, and/or a copy of your social security card.
You can find your personalized link in the email from us requesting your documentation.
You have 30 days to select an offer. Once selected, you have an additional 30 days to provide all requested documentation. When the loan is approved you have 7 days to sign the promissory note.
Incomplete applications are withdrawn, and you would need to start a new application.
Yes. We encourage you to apply with a co-borrower with higher income or credit score as it may help you qualify for a lower interest rate.
We encourage you to pay electronically at penfed.org, but you can pay by check. Please remember to include your account number and send it to:
PO Box 247009
Omaha, NE 68124-7009
Please do not send cash to make a payment.
If you selected your PenFed account as your repayment account, you can log into PenFed online and customize your payment. Payments can be monthly or biweekly.
If your payment is more than 5 days late, we charge a late fee of $29.
Select “Set up your online account or get help signing in” from the login page.
Follow the on-screen instructions to receive an email with your username and/or to reset your password online.
Sign up for or change e-message options to help cut down on mailbox or post office box clutter.
To Send Funds From Your PenFed Account to Another Financial Institution
Fees: PenFed charges $25 for a domestic wire transfer and $30 for an international wire transfer. Other fees may apply at the receiving financial institution.
To Send Funds From Another Financial Institution to Your PenFed Account
Fees: 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 considered received on the next funds transfer business day.
To Transfer Funds to PenFed from Another Financial Institution Electronically
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 it to:
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Pentagon Federal |
OR |
Pentagon Federal Credit |
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See also: Deposit/Payment Voucher (PDF)
Please contact a Member Service Representative for help closing your account. Check our Contact Us page for hours.
Visit the Access Bill Pay page for more information.
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.
As a PenFed member, you can establish accounts for minor children by register them as members 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 completing the PenFed Membership Application.
Opening a Checking Account in the Name of a Minor
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: 1-800-278-2212 or 1-541-345-0512
Online:
To view mortgage rates, payments, and costs online, or to learn more about home loans, please visit:
By Phone:
To contact us first by phone about mortgage rates or applications call our Mortgage Department:
FIRST MORTGAGE INFORMATION & APPLICATIONS
Toll-Free U.S.: 1-855-409-5876
Monday - Saturday: 8:00 am to 8:00 pm Eastern Time
Sundays: Closed
PenFed's ABA routing number is 2560-7844-6.
Please choose a calculator from the following.
Home Loan Calculators:
Loan Calculators:
Click here for PenFed’s current list of service fees.
You can check out our forms page on penfed.org, or check out the individual product you are interested in and see the forms that are linked from there.
PenFed’s 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.
Please refer to our Contact Us page or our ATM and Branch Locator.
Digital
For fast and free same day service, Log in or download the PenFed mobile app.
Transfer funds from your PenFed checking or savings account or a verified third-party account.
Standard:
PenFed Credit Union, P.O. Box 247080, Omaha, NE 68124-7080
Cash is not accepted. Please allow five (5) to seven (7) business days for postal mail handling and delivery. For accurate processing, please write the account number in the memo line on the check and provide the supplied payment coupon.
Express:
PenFed Credit Union, Attn: Payment Processing, 13220 Fort Street, Omaha, NE 68164
Cash is not accepted. For accurate processing, please write the account number in the memo line on the check and provide the supplied payment coupon.
On the back of your check, sign and write the following statement:
"For electronic deposit only, account #______".
PenFed only accepts items drawn on U.S. banks. Below you’ll find examples of acceptable items.
Save the check for 30 days for your records. You don't need to send it to us.
If your deposit item is unable to be accepted, a message will be sent to the email address on record indicating the reason we were not able to accept your deposit. If you have any further questions, you can call a Member Services representative at 1-800-247-5626.
No. If a deposit is returned, please do not re-deposit the check using the Mobile Deposit. You will receive written communication via mail
Use any of our other deposit methods.
Pentagon Federal Credit Union
Box 1432
Alexandria, VA 22313-2000
OR
Pentagon Federal Credit Union
Box 247009
Omaha, NE 68124-7009
Find the information you need at our Website Security Page here.
We’ll never ask you to send us personal information such as an account number, card PIN, Social Security Number, or Tax ID over text or email.
Immediately forward suspicious or abusive text messages, email messages, or social media messages that appear to be from Pentagon Federal Credit Union to us at abuse2@penfed.org.
Please include a screen shot or copy of the message and the number of the sender.
To request that your username be unblocked, please contact a Member Service Representative at 1-800-247-5626.
Your username can be blocked when your security questions have been incorrectly answered. Once your username has been reset, you will be asked to re-establish your security questions to ensure that the answers to the questions are accurate.
System Requirements
PenFed Online Banking Browser Compatibility:
|
Operating System |
Internet Explorer |
Safari |
Firefox |
Chrome |
|---|---|---|---|---|
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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 (Yosemite™) |
NA |
8.0 |
34.0 - 35.0 |
39.0 - 40.0 |
|
iOS 8.1 |
NA |
Mobile Safari |
|
|
Technical Specifications:
PDF Files:
Number of Transactions Listed:
PenFed Online Availability:
Screen Resolution:
Set your screen resolution to a minimum of 1024 x 768 pixels to see all of your data without scrolling from side to side.
Windows: Click the Start button in the bottom left of the monitor.
Mac OS X: Select “System Preferences” in the Apple menu at the top left of the monitor.
If you receive regular or unusual errors while using PenFed Online, contact us. Be sure to include the following:
Your name
Your member number
Your 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 PenFed.org on via Chrome my Mac.
Solution: Please perform the following steps.
1. Open Chrome.
2. Navigate to “www.penfed.org.”
3. On the page with the error, click the lock in the URL bar to view the Certificate Information.
4. Drag the certificate to the desktop (note that the file name is “www.penfed.org”).
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 “log in” and “Certificates.”
9. If “www.penfed.org” 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 “www.penfed.org” – the site should render at this point.
Microsoft Internet Explorer 7.x for Windows
Microsoft Internet Explorer 6.x for Windows
Microsoft Internet Explorer 5.x for Windows
Microsoft Internet Explorer 4.x or higher for Macintosh
Firefox 3.x or higher for Windows
Firefox 3.x or higher for Macintosh
Safari 3.x or higher for Windows
Safari 3.x or higher for Macintosh
Opera 9.x or higher for Windows
Opera 9.x or higher for Macintosh
