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Welcome to PenFed!

Your journey to financial wellness begins here

Easy account setup

Learn about PenFed’s products and services

Welcome

Account Setup

Products

Video Library

Resources

So happy to have you!

We're here to help you make the most of your PenFed membership.

Your dreams, our priority

Becoming a PenFed member is like joining a family – a community that's all about supporting each other's financial well-being and making a real difference together.

We're committed to delivering real, measurable financial value so you can feel confident in your financial decisions and see your money work for you. But it's not just about the bottom line; it's about empowering you to pursue your passions and turn your dreams into reality.

Our mission

Delivering financial value to members
Helping members achieve their dreams

Learn More

In the community

Offering financial literacy programs
Community volunteer and donation opportunities

Learn More

Account Setup

Get started

Create your profile for 24/7 access to your accounts.

Create Your Account

Download the PenFed mobile app

Manage your money on the go, anytime, anywhere.

Get The App

Still have questions?

Explore FAQs

Products

Checking

The right checking for you.

Free Checking

Access America

Explore Free Options

Premium Online Savings

Save more today!

No Monthly Fees

Higher APY

Start Saving Today

Credit Cards

Rewards without the fees.

For everyday purchases

No annual fee

Compare Cards

Autos

Shift into drive with PenFed.

Rates as low as New Auto TrueCar Rate 36 % APR

Up to 125% financing

Find Your Dream Car

Quick guides for new members

Step-by-step videos to help you set up and get the most from your PenFed account.

Home Loan Autopay

Take one more task off your plate. Set up automatic payments in a few steps and enjoy extra peace of mind.

Home Loan AutoPay

	Never miss a mortgage payment with AutoPay.
	To get started with AutoPay.
	Log into your account at PenFed.org or on the PenFed app.
	Click on your home loan account to navigate to the Home Loan dashboard.
	You'll be prompted to begin AutoPay enrollment.
	If you don't see a prompt, select the AutoPay enrollment button
	next to the payment amount for your home loan.
	Add a payment method, then fill in your payment details.
	Agree to the terms and conditions, and select Authorize Enrollment.
	Once selected, the next screen will confirm your enrollment in AutoPay.
	Make payments convenient and hassle free.
	Set up recurring payments with PenFed.

Credit Card

Add authorized users to your credit card account to make shared spending simpler and more convenient.

Credit Card

	Track everyone’s spending on a single account, add an authorized user to your PenFed credit card!
	Sign in and select the credit card you want to add the user to. Click “Add Authorized User.” You’ll receive a one-time passcode to enter.
	Fill out the card and new user information, and then click “Continue.” Acknowledge the terms, click “submit,” and you’ll get an in-app confirmation.
	Easily share your account and its benefits. Add an authorized user to your PenFed credit card today.

Credit Card Autopay

Set up automatic credit card payments to help stay on schedule and make managing monthly payments easier.

Credit Card AutoPay

	Never miss a credit card payment again.
	Set up auto Pay in your Penfed mobile app or online account.
	Sign in and select the credit card you want to pay.
	Click Make a Payment and under frequency select Monthly Auto
	Pay.
	Choose the payment option and amount that fits your needs.
	Acknowledge the terms, click submit and you'll get an in app
	confirmation.
	Make payments convenient and hassle free.
	Set up auto pay with Penfed.

Travel Notifications

Let us know when you’re traveling to help protect your account and enjoy greater peace of mind while you’re away.

Travel Notifications

	Going to travel with your PenFed credit card?
	Avoid interruptions by setting up travel alerts on your PenFed account.
	Sign in.
	Select the card and click More actions.
	Select “Travel Notice” and fill out your trip information.
	For security, the app will then send you a passcode.
	Enter the passcode, confirm the details, and you'll receive an in-app confirmation.
	We've got your back while you travel.

Mobile Deposits

Deposit checks from your mobile device and manage your money wherever you are, without making a trip to a branch.

Mobile Deposits

	Making a mobile deposit is easier than ever with the new PenFed mobile app.
	Just app, snap, and tap.
	Sign into the PenFed mobile app and select the deposit icon at the bottom of the screen.
	Select the account, snap a photo of the check, and click continue.
	Check the box to acknowledge the mobile deposit terms and click Deposit Check.
	You'll receive an in-app confirmation that your mobile deposit was successful.
	Just app, snap, and tap to make your next deposit with PenFed.

Retail Cash Deposit

Deposit cash at participating retail locations and add money to your account when and where it’s convenient.

Deposit cash where you shop

	Ever wish you could deposit cash without making a second stop?
	Now you can.
	Our brand new app feature lets you deposit cash where you shop.
	Best of all, it's simple, secure, and convenient.
	Here's how it works.
	Open the PenFed mobile app and select your checking account.
	Tap Deposit Cash
	and find a nearby location.
	There are over 90,000 participating retailers
	nationwide, so it's easy to find one close to you.
	When you're at the register, tap Generate Deposit Barcode.
	Show it to the cashier.
	Hand over your cash and done.
	It's in your account instantly.
	You'll get three fee free deposits each month.
	Then it's just $2 per deposit after that.
	Quick, easy and no detours needed.
	PenFed Credit Union, helping you do more with your money.

Resources

Member Discounts

Enjoy exclusive benefits and savings on PenFed products and services.

See Exclusive Deals

Partners

Partnering with brands that share our commitment to members.

Discover Our Partners

Learning Center

Learn how to build a strong financial future.

Explore Financial Topics