Our Privacy Policy keeps you information safe
Policy, Forms, & Disclosures.

Privacy Policy

We're committed to maintaining your privacy & trust.
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PenFed Privacy Policy

Keeping your personal information safe is our priority. 
Find out how we collect, use, share, and protect information about you below or view policies. 

Download Privacy Policy PDF (English)

Download Privacy Policy PDF (Spanish)

California Privacy Policy and Notice PDF

If you are a California resident, please refer to PenFed's California Privacy Policy and Notice for additional information about your rights under the California Consumer Privacy Act. 

Policy Description


Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.



The types of personal information we collect and share depend on the product or services you have with us.

This information can include:
Social Security number, account balances, credit history, payment history, transaction history and overdraft history.


All financial companies need to share members’ personal information to run their everyday business. The section below explains why financial companies share their members’ personal information, as well as why PenFed chooses to share, and whether you can limit this sharing.




For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders, and legal investigations, or report to credit bureaus.

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For our marketing purposes—to offer our products and services to you

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For joint marketing with other financial institutions

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For our affiliates' everyday business purposes—information about your transactions and experiences


We Don't Share

For our affiliates' everyday business purposes—information about your creditworthiness


We Don't Share

For nonaffiliates to market to you

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In order to limit our sharing or if you have any questions, please call: 800-247-5626

Except for cookies, if you are a new member, we can begin sharing your information 30 days from the date we sent this notice.
When you are no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
If you wish to adjust your browser settings to block cookies, please see our Cookie Policy to learn more: https://www.penfed.org/cookie-policy.

PenFed Card App periodically collects, transmits, and uses geolocation information for enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.


To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.

These measures include computer safeguards and secured files and buildings.

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card
  • Browse our website

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for nonaffiliates to market to you.

Your choices will apply to everyone on your account.



Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • PenFed does not share with our affiliates


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliated companies we share with can include insurance companies, direct marketing companies, non-profit organizations, and credit card networks.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include investments, insurance, and credit card companies