Popular Mortgage Rates

See all Mortgage Rates >

30 YEAR FIXED

Rates as low as *

APR as low as *

30 YEAR FIXED VA

Rates as low as *

APR as low as *

5/5 ARM

Term/Next 60 Months

Rates as low as *

Rates as low as *

5/5 ARM

Term/Next 300 Months

Rates as low as *

Rates as low as *

Call us at 800-970-7766
Mon-Fri 8 a.m. - 10 p.m. ET
Sat 8 a.m - 6:30 p.m. ET
*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal

Popular Auto Loans

See all Auto Loans >

new auto loan

36 mo/APR as low as *

%

60 mo/APR as low as *

%

used auto loan

36 mo/APR as low as *

%

60 mo/APR as low as *

%

refinance loan

36 mo/New/APR as low as *

%

36 mo/Used/APR as low as *

%

Car buying service

36 mo/New/APR as low as *

%

36 mo/Used/APR as low as *

%

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal
Penfed Pathfinder Rewards American Express© Card
  • 3x POINTS

    on all travel purchases
  • 4x POINTS

    on all travel purchases for PenFed Honors Advantage Members
  • 25,00 BONUS POINTS

    by spending $2,500 with 3 months of opening an account
  • No Annual Fee

Penfed Power Cash Rewards VISA Signature© Card
  • 1.5 CASH BACK

    on all purchases or
  • 2% CASH BACK

    on all purchases for PenFed Honors Advantage Members
  • $100 Statement Credit

    when you spend $1,500 in the first 90 days
  • No Annual Fee

Penfed Platinum Rewards VISA Signature© Card
  • 5x POINTS

    on gas purchases paid at the pump
  • 3x POINTS

    at the supermarket
  • 1x POINTS

    on all other purchases
  • $100 Statement Credit

    when you spend $1,500 in the first 90 days
  • No Annual Fee

Penfed Gold
VISA© Card
  • LOW APR

    on purchases
  • LOW APR

    on cash advances
  • $100 Statement Credit

    when you spend $1,500 in the first 90 days
  • No Annual Fee

Penfed Promise
VISA© Card
  • LOW APR

    on purchases
  • $100 Statement Credit

    when you spend $1,500 in the first 90 days
  • No Annual Fee

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information
Rates quoted assume execllent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbural

Popular Saving Account

See all Savings Loans >

Premium Online
Savings

Start earning more on savings

%

Annual Percentage Yield(APY)
With a daily balance up to $250K

Money Market
Certificates

Terms from 6 months to 7 years

%

Annual Percentage Yield(APY)
12 Month Term

Regular
Savings

Establish PenFed Membership

0.05%

Annual Percentage Yield(APY)
on all balance

Money Market
Savings

Free checks for easy access

%

Annual Percentage Yield(APY)
on all balance above $100K

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal

HOME EQUITY LINE OF CREDIT

A home equity line of credit is great for consolidating recurring loan payments, such as college bills and high interest credit cars. Access the cash when you need it

HOME EQUITY LOAN

Home equity loans are great for fixed expense, like home renovations, vacations, or debt consolidation. Because using savings isn't always the best option.

5/5 HOME EQUITY LINE OF CREDIT

Lock in the low rate for recurring expenses lsting five years. This option can also save you money if you plan to pay off the loan in full within the five years.

INTEREST-ONLY LINE OF CREDIT

Interest-only home equity loans provide convenience and flexibility when you need access to funds and want to maximize equity with low monthly payments.

Security like a Saving Account with APY's as High as %

Learn more about Certificates >

Money Market
Certificates

6 months** to 7 years
See our

1 yr - %

Annual Percentage Yield

IRA
Certificates

1 year to 7 years
See our

5 yr - %

Annual Percentage Yield

COVERDELL EDUCATION SAVINGS Certificates

1 year to 7 years
See our

2 yr - %

Annual Percentage Yield

Please call us at

800-247-5626

APY (Annual Percentage Yield) is accurate as of May 1, 2019 and is subject to change at any time.
We will establish your certificate on the day we receive your application and funding. Once purchased, the rate is locked in for the term of your certificate.

Access America Checking Account

Learn more about PenFed Checking >

Premium Checking that pays you back.

0.50%**

Annual Percentage Yield (APY)
With a daily balence of $20k or more up to $50k*

0.20%**

Annual Percentage Yield (APY)
With a daily balance less than $20K*

*Earn dividends with monthly direct deposits of $500 or more and a daily balance of up to $50,000 per statement cycle.1

Features & Benefits

  • 68,000+ ATMs
  • Online & mobile access
  • Available overdraft protectionƚ
  • Free chip-enabled Visa debit card
  • Digital wallets (Apple, Samsung, and more)
ƚOverdraft protection is a line of credit and subject to credit approval.
No monthly fee with daily balance or monthly direct deposit of $500 or more.
OPEN NOW

Open an Access America Account and set up your PenFed membership.

1. Open an Access America Account

2. Apply for membership

3. Open a savings/share account with only $5

** Please note that this is a variable rate account. Tiers and dividend rates are subject to change
ƚDividends
Account is a variable rate account. APY is valid as of last dividend declaration date of May 1, 2019. APY and tiers are subject to change at any time. Fees may reduce earnings on account. Minimum deposit of $25 required to open account. When an account is terminated prior to the end of a statement cycle, dividends will be paid if the aggregate direct deposit requirement is met on the date of account termination. Dividends are compounded daily and paid monthly.

Our Needs - Your Way - No Origination Fees Attached

Learn more about Persoanl Loans >

36 MONTHS

APR as low as *

%

Loan Amount

$ -

48 MONTHS

APR as low as *

%

Loan Amount

$ -

60 MONTHS

APR as low as *

%

Loan Amount

$ -

Here's how you could use your loan:

Debt Consolidation
Home Improvement
Auto Repair
Travel and Vacation

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal

Why Choose Penfed?

Our mission is to empower the financial wellbeing of our members.

Owned

by Our Members
Established in 1935, PenFed today is one of the country's strongest and most stable financial institutions serving 1.7 million members worldwide with $25 billion in assets.

Nationwide

& Puerto Rico
We serve members in all 50 states and the District of Columbia, as well as in Guam, Puerto Rico, and Okinawa.

24/7

Access
We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day.

ACHIEVE YOUR GOALS WITH PENFED

Card image cap
Save using PenFed
Car Buying Service
Take advantage of PenFed's Car
Buying Service when researching and
purchasing your next vehicle
Card image cap
Moving our heroes
into their homes
with a VA Mortgage
LEARN MORE
Card image cap
Credit Card Rewards
Love the rewards your credit
card can offer you year round.
50th most innovative company of 2019
PenFed Credit Union has been ranked one of the Most Convenient Credit Unions of 2018 by MagnifyMoney.com
PenFed Credit Union has been named one of the top three Best Credit Unions of 2019 by MyBankTracker.com
Pentagon Federal Credit Union to create nearly 600 new jobs in San Antonio