Pentagon Federal Credit Union Credit Cards

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Best Benefits

No annual fee
No foreign transaction fees
2% Cash Back on all purchases for PenFed Honors Advantage Members
1.5% Cash Back on all purchases made with the card
$100 Statement Credi when you spend $1,500 in the first 90 days

Rates & Fees

Regular Purchase APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 17.99% variable based on the Prime Rate
Balance Transfer Transaction Fee: 3% per transaction
Cash Advance APR: 17.99% variable based on the Prime Rate
Penalty APR: 17.99% variable based on the Prime Rate
Late Payment Penalty Fee: Up to $28
Return Payment Penalty Fee: Up to $25

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Best Benefits

Lowest APR of PenFed credit cards
No cash advance fees – ever
0% APR on balance transfer for 12 months

Rates & Fees

Regular Purchase APR: 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for the first 12 months from account opening date
Balance Transfer APR: 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: 3% of the amount of each transfer
Cash Advance APR: 17.99%
Penalty APR: 17.99%
Late Payment Penalty Fee: Up to $28
Return Payment Penalty Fee: Up to $25

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Best Benefits

5X points per dollar spent on gas at the pump and EV charging stations and 3X points on groceries. 1X points on all other purchases
15,000 bonus points when you spend $1,500 in first 90 days of card account opening
0% intro APR on balance transfers for 12 months after account opening
No annual fees and no foreign transaction fees

Rates & Fees

Regular Purchase APR: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: 3% of the transfer amount
Cash Advance APR: 17.99%
Penalty APR: 17.99%
Late Payment Penalty Fee: Up to $28
Return Payment Penalty Fee: Up to $25

Credit Card Deals

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Best Benefits

1.5% cash back on all purchases made with your card 2% cash back for PenFed Honors Advantage members
0% introductory APR on balance transfers for 12 months
Earn a $100 statement credit when you spend $1,500 in the first 90 days
No annual fees, no foreign transaction fees, no caps, no limits

Rates & Fees

Regular Purchase APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: 3% of the transaction
Cash Advance APR: 17.99%
Penalty APR: 17.99%
Late Payment Penalty Fee: Up to $28
Return Payment Penalty Fee: Up to $25

Credit Card Deals

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Best Benefits

Low APR on balance transfers for 12 months
No fees of any kind
Competitive regular APR for purchases, cash advances, and balance transfers

Rates & Fees

Regular Purchase APR: 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR: 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 17.99% variable based on the Prime Rate

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Best Benefits

Up to 4x points on all travel purchases (3x points if you’re not a member of PenFed Honors Advantage)
$100 annual air travel credit
$100 Global Entry fee credit, or $85 TSA Precheck fee credit when you use your card to pay
1.5x points on all other, non-travel purchases

Rates & Fees

Regular Purchase APR: 14.99% to 17.99%, based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% promotional balance transfer rate for 12 months on transfers made between now and September 30, 2019.
Balance Transfer APR: 14.99% to 17.99%, based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: 3% per transaction
Cash Advance APR: 12.74% to 17.99%
Cash Advance Transaction Fee: 5% or $5 minimum per cash advance
Penalty APR: 17.99% if your minimum is not received within 60 days
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $25

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About Pentagon Federal Credit Union (PenFed)

Pentagon Federal Credit Union (also known as PenFed) is one of the largest credit unions in the United States. With over $25 billion in total assets as of 2019, PenFed ranks number three in terms of credit unions – and boasts almost two-million members.

PenFed has its headquarters In McLean, Virginia, home to many government employees, members of Congress, and the Central Intelligence Agency.

PenFed Membership Eligibility

Pentagon Federal Credit Union is, as the name suggests, open to new members from those in the military or U.S. government.

Membership in PenFed is open to the following:

Active duty members of the U.S. Army, Navy, Marine Corps, Air Force, or Coast Guard
Reserve or National Guard members (including retirees)
Current or retired civilian employees of the Department of Defense or the United States Public Health Service
Current or retired Department of Homeland Security agents
Employees or volunteers of the American Red Cross
Employees of the Transpotomac Plaza or Canal Center in Alexandria, VA
Members of:
- National Military Fund Association
- Air Force Association
- S. Coast Guard Auxiliary
- Military Officers Association of America
- Paralyzed Veterans of America
- United States Army Warrant Officers Association
- Marine Corps League
- Navy league of the United States
- Reserve Officers Association
- Jewish War Veterans of the United States
- Veterans of Foreign Wars
- Vietnam Veterans of America
Individuals who are assigned to, work at or receive benefits from, any defense or military-based institution
Immediate family of those who are already a PenFed member

PenFed Branch Locations

PenFed currently operates 50 branches for members in the Virginia, Maryland, and Greater Washington D.C. area. There are also branches in other locations, such as San Diego, CA, and Augusta, GA. For a complete list of current PenFed branches and their hours, please visit the FCU’s dedicated locations page.

PenFed members also have access to tens-of-thousands of surcharge-free (fee-free) ATMs across the United States.

FAQs About PenFed Credit Union

Here are answers to commonly asked questions about Pentagon Federal Credit Union:

What is PenFed’s routing number?

The routing number for PenFed is 256078446.

Can anyone join PenFed?

PenFed has very specific membership eligibility criteria. Please see our dedicated section above for more information.

What are the PenFed customer service hours?

Fed customer service can be reached at 724-473-6333 (724-4PENFED) or 1-800-247-5626 during the following hours:

Monday – Friday: 7:00 am to 11:00 pm Eastern Time
Saturday: 8:00 am to 11:00 pm Eastern Time
Sunday: 9:00 am to 5:30 pm Eastern Time

Is PenFed FDIC insured?

Like other credit unions, deposits in PenFed are insured through the National Credit Union Administration (NCUA) for up to $250,000.

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About Pentagon Federal Credit Union (PenFed)

PenFed Membership Eligibility

PenFed Branch Locations

FAQs About PenFed Credit Union

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