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PENFED MEMBERSHIP
A Credit Union Anyone Can Join
More products, fewer fees, and better online resources — available to everyone
MEMBERSHIP IN
3 EASY STEPS
STEP 1
Good news! PenFed membership is open to everyone, including you.
STEP 2
Provide Your Info
Enter your name, phone number, email, and address to get started.
STEP 3
Open An Account
Open your savings account with just a $5 initial deposit, and you’re a PenFed member!
Why Choose PenFed?
WE’RE YOUR PARTNER
We’re not just a credit union. We’re your partner. Becoming a PenFed member means never facing a financial decision alone.
WE WORK FOR YOU
Your success is our success. We’re committed to providing you the tools and resources to help you achieve your goals.
APPLYING FOR MEMBERSHIP IS EASY
You’re busy. We get that. We’ve streamlined the financial process to help give more time back to you.
24/7 ACCESS
We go where you go. Access our services from your laptop, ATM, or phone 24 hours a day, every day.
EXCLUSIVE MEMBER DISCOUNTS AND SERVICES
MEMBER DISCOUNTS
Enjoy benefits and discounts on all our products and loans.
Member Discounts »
ADVICE CENTER
Our one-stop resource to keep you on the right track for tomorrow.
Learn More »
FINANCIAL HARDSHIP CENTER
Assistance for borrowers seeking financial relief.
Hardship Center »
WHAT CAN WE HELP YOU ACHIEVE?
Start Your Membership Application Now
It only takes a few minutes and no military service is required for membership.