Pentagon Federal Credit Union
Login Accounts
Search
  • Routing # 256078446
  • Partners
  • Member Discounts
  • Wealth
  • Foundation
  • Branches & ATMs
  • About
  • Search
  • Checking & Savings
    • Checking
      • Free Checking
      • Access America Checking
      • All Checking Accounts
    • Savings
      • Premium Online Savings
      • Regular Savings
      • Money Market Savings
      • All Savings Accounts
    • Certificates
      • Money Market Certificate
      • Coverdell Education Certificate
      • All Certificates
    • IRAs
      • IRA Certificate
      • IRA Premier
      • IRA Savings Account
      • All IRAs
    • How Can We Help?
      • Contact Us
      • FAQs
      • Forms
      • Advice Center
    • Special
      • Great rates for everyone with our savings options
  • Credit Cards
    • Our Cards
      • Credit Cards Overview
    • How Can We Help?
      • Contact Us
      • FAQs
      • Disclosures
      • Resource Center
    • Special
      • Choose the perfect card - Learn More
  • Auto
    • Auto Loans
      • Purchase
      • Refinance
      • Car Buying Service
    • Protection
      • Vehicle Protection
      • GAP Insurance
      • Debt Protection
    • How Can We Help?
      • Contact Us
      • FAQs
      • Forms
      • Advice Center
    • Special
      • Find your next car - through PenFed Car Buying Service
  • Mortgage & Home Equity
    • Purchase
      • Buy a Home
      • VA Loan
      • FHA
      • Conventional Fixed
      • Jumbo Loan
      • Power Buyer
    • Refinance
      • Refinance your Home
      • VA Streamline
    • Home Equity
      • HELOC
    • Real Estate Services
      • Find An Agent
    • Tools & Resources
      • Knowledge Center
      • eBooks
      • New Homebuyer
      • Calculators
      • PenFed Title, LLC
      • Contact
    • Special
      • Increase your wins , Become power buyer certified
  • Loans
    • Personal Loans
      • Personal Loans
    • Student Loans
      • Student Loan Refinancing
      • In-School Student Loans
    • How Can We Help?
      • Contact Us
      • FAQs
      • Forms
      • Advice Center
    • Special
      • Personal Loans made easy online
  • Learn
    • Learning Hub
      • Learning Center
      • Mortgage Knowledge Center
      • Advice Center
      • Financial Hardship Center
      • Emergency Furlough Relief Assistance
      • Natural Disaster Relief Assistance
    • About PenFed
      • About
      • FAQs
      • Forms
    • Security & Fraud
      • Security Center
    • How Can We Help?
      • Press Room
      • Careers
      • Contact Us
    • Special
      • Exclusive Member Offer - Spectrum mobile
  • Join Now
  • Log In
  • Accounts
  • Resources

Affinity Title

blue sand hour glass

Save on your home purchase with our real estate services

checkmark icon

PenFed Homes Program exclusive savings

checkmark icon

Nationwide network of trusted agents

checkmark icon

Streamlined home buying experience

Get Started
home and money on a balancing scale

SAVING MONEY WAS NEVER EASIER

Receive up to $1,500 back when buying a home¹

Receive a real estate broker paid closing credit up to $1,500¹ through the PenFed Homes Program when you leverage our team of mortgage experts with qualified network real estate agents.

Speak to representative directly at 1-800-556-8077

Map of PenFed Locations

Why use PenFed for your next home purchase or sale?

Whether you’re buying or selling a home, members can receive exclusive savings while leveraging a nationwide network of trusted real estate professionals.

PenFed Power Buyer Solutions

Gain a competitive edge as a PenFed Power Buyer²

Our exclusive Power Buyer suite of solutions can provide you an important advantage over other homebuyers while helping you close faster. Power Buyer certifications offer a variety of benefits².

bullet

Gain a conditional upfront loan approval to shop with confidence and compete with cash buyers²

bullet

Stay ahead of rising interest rates with Lock While You Shop protection²

bullet

Access the equity of your new home in as little as 30 days from closing²

Learn More

It's as easy as 1, 2, 3!

Apply

Complete a mortgage pre-approval with income and asset verification. Upon an initial review and approval by underwriting, a Power Buyer Certificate is issued².

Document icon

Shop

With this exclusive certificate in hand, you can take up to 60 days to find the perfect home. You also have the option to lock in your rate while you shop².

Home icon

Close

Once a purchase is signed, accelerated loan processing begins. In most cases, closing can be held in less than 30 days².

Lock icon
blue and white arrow joining and point up

REAP THE BENEFITS

When you utilize PenFed for both your real estate and mortgage needs

Partnering with PenFed for both your mortgage and real estate needs ensures a smooth and seamless home shopping experience. Whether this is your first home purchase or tenth, you can rest assured that you are working with the best. Focus on what matter most while we take care of the rest!

Learn More
home makeover comparison

SELLING A HOME THAT NEEDS A LITTLE TLC

Get the makeover advantage³

You may be able to sell your home faster and for more money with an unsecured loan that is interest-free for the first 6 months. The Makeover Advantage loan could be the best solution to get your house ready to sell in optimum condition.

list

Home renovation loan up to $35,000

list

0% APR for the first 6 months for consumers working with a network real estate agent

Call 1-800-556-8077 for more information.

Disclosure

To receive the advertised product, you must become a member of PenFed Credit Union, which is federally insured by the NCUA.

¹Members are eligible to receive the real estate broker paid closing credit when their transaction is completed with both PenFed mortgage and the referred PenFed real estate network agent to purchase their new home. Member must use the PenFed qualified real estate network agent assigned to member to close their real estate transaction. If Member has already closed on a property or are currently using, and wish to continue using, an unqualified PenFed network real estate agent, Member will not qualify for this benefit. Real estate broker paid closing cost credit will be $1,000 for purchase prices up to $699,999K and $1,500 for purchase prices over $700,000. Credit must be listed on the sales contract or addendum, and on the final Closing Disclosure (CD). Members can obtain lender and real estate services separately, but the real estate broker paid closing cost credit will not apply. The seller and/or other credits must be reduced if the loan has reached the maximum allowable credit limit per the loan product.

Due to state guidelines the real estate broker paid closing cost credit is not available in AK, IA, KS, LA, MO, MS, OK, OR or TN.

²Power Buyer Lock While You Shop is applicable to first mortgage pre-approval home purchases that have received approve/eligible finding. Not applicable on HELOC or refinance transactions. To ensure timely closing within the rate lock period, the borrower should provide an executed sales contract and full property address to PenFed within the initial 30 days of the lock period. Extending a rate lock is subject to applicable rate extension fees to be paid at closing. Some loan programs may be excluded.

Power Buyer Certification is contingent on a full underwriting review and approval of loan documentation and other creditworthiness conditions.

Power Buyer Solutions are subject to change at any time and without notice. Talk to a PenFed Mortgage Loan Officer for additional details.

Certain loan types may not be eligible for Power Buyer.

³0% APR for 6 months. After that, a fixed APR between 7.74% and 17.99% applies. Your fixed APR applicable after the promo expiration will be determined at the time of loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. The 0% APR for 6 months offer is valid for consumers working with a PFR agent. To be eligible for the 0% APR for 6 months, you must submit a PenFed personal loan application through your PFR agent. "0% APR" means all loan payment received in the 6 months following loan origination will be applied exclusively to your unpaid loan balance. After 6 months, your loan payments will be applied to the unpaid loan balance and applicable finance charges.

  • Locations
  • Careers
  • Press Room
  • Foundation
  • Contact Us

This credit union is federally insured by the National Credit Union Administration. Rates are current as of September 2023 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


  • facebook
  • twitter
  • linkedin
  • youtube
  • instagram
Download the PenFed app on Apple Store Download the PenFed app on Google Play
Read More about Equal Housing
Routing #256078446

©2023 Pentagon Federal Credit Union

Privacy
Security
Disclosures
Fees
Rates
Forms
Site Map

We use cookies to provide you with better experiences and allow you to navigate our website. By clicking “I Accept”, you consent to our use of cookies in accordance with our Privacy, GDPR and Cookie Policies.If you are a California resident, please visit our Privacy Policy page for the Notice of Right to Opt-Out of Sharing.

×

IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.


The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website.


The content you are about to view is produced by a third party website that is unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.


CONTINUE OR CANCEL

Member Login

Please enter a valid username.

I need help logging in

Having Trouble?
Forgot Username
Forgot Password
Forgot Username and Password
Unlock Account


First time logging in?

Create an online account

Not yet a member?

Become a member and take advantage of products and exclusive offers!

Join Now

Get Started

×

LOGIN

JOIN
Dismiss
PenFed App
PenFed PenFed, Inc FREE - On Google Play