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PenFed Credit Cards Review

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Reviews 875

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Michael Graw
Michael Graw
May. 03, 20214 min read

PenFed Pathfinder summary

PenFed is a national credit union founded in 1935 that offers banking, loans, credit cards, and more. While you need to be a PenFed member to get a credit card, anyone can join by opening a savings account. PenFed has 4 credit cards, all of which come with a 0% promotional APR for balance transfers. Three of the cards offer rewards for spending. You can apply online and get approved in as little as 20 seconds.

Pros

  • Choose from 4 credit cards
  • 0% promotional APR for balance transfers
  • Apply online and get a decision instantly

Cons

  • Requires good to excellent credit score
  • Must open a savings account to become a PenFed member
PenFed Pathfinderat a glance
4.2

Editorial score

Fees

Multiple fees

3.0

Eligibility (credit score)

Doesn't cover bad credit

4.0

Security

NCUA insured, offers multiple security features

4.0

Customer service

24/7 service with multiple communication options

5.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

5.0

PenFed Gold PenFed Gold Apply Now

Overview

PenFed is a credit union established in 1935 to serve members of the military. Today, anyone can join PenFed by opening a savings account. The credit union has more than 2 million members and manages more than $25 billion in assets. It offers banking, loans, mortgages, and 4 Visa credit cards. PenFed is Insured by NCUA and is an Equal Housing Lender.

PenFed’s credit cards stand out for their combination of low fees and generous rewards. All of the cards come with Low APR for balance transfers. Rewards can take the form of cash back or points, and the cards offer different levels of rewards for spending categories like gas, groceries, and restaurants. 

PenFed offers 0% APR promotional balance transfer rate for 12 Months on transfers made from now until September 30, 2021. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Suitable for?

PenFed is suitable for a wide variety of people. The promotional APR for balance transfers on all credit cards is a major plus for anyone looking to transfer their balance from another card. In addition, 3 PenFed credit cards offer rewards programs. Three of the cards come with bonuses if you spend at least $1,500 in your first 90 days. 

PenFed Power Cash®

The PenFed Power Cash Rewards Visa Signature® offers a $100 bonus statement credit when you spend at least $1,500 in the first 90 days. All cardholders receive 1.5% cash back on purchases, and PenFed Honors Advantage members receive 2% cash back. To become an Honors Advantage member, you must be an active member of the military or have an active PenFed checking account.

PenFed Pathfinder®

The PenFed Pathfinder® Rewards Visa Signature® is PenFed’s most generous rewards card and is most suitable for travelers. You get 50,000 bonus points when you spend $3,000 in your first 90 days, and the card offers 3 points on travel spending (4 points for Honors Advantage members). All other purchases earn 1.5 points. 

PenFed Platinum®

The PenFed Platinum Rewards Visa Signature® offers extra points on gas purchases at the pump and supermarket purchases. You get 5 points for gas purchases at the pump and electric vehicle charging stations; 3 points for supermarket purchases, restaurants/dining, and cable, satellite and other television/radio/streaming services; and 1 point for all other purchases. The card also comes with a New Acquisition Bonus: 15,000 points after $1,500 spent during the first 3 months of card open date.

PenFed Gold

The PenFed Gold Visa® is a simple credit card that doesn’t offer a rewards program. The main advantage is that the interest rate for purchases on your balance can be as low as 7.49%. You can qualify for a $100 statement credit when you spend $1,500 in your first 90 days.

Card Comparison


Rewords ProgramBonus OfferInterest Rate (APR)Best For
Power Cash1.5% cash back (2% for Honors Advantage members)$100 when you spend $1,500 in your first 90 days14.99% - 17.99%
Cash back
Pathfinder3x points on travel (4x Honors Advantage members) 1.5x points on all other purchases50,000 points when you spend $3,000 in your first 90 days14.99% - 17.99%¹
Travel rewards
Platinum5x points on gas purchases at the pump 3x points supermarket and other purchases* 1x points on all other

$100 when you spend $1,500 in your first 3 months
13.49%-17.99%
Gas and groceries rewards
GoldNone$100 when you spend $1,500 in your first 90 days
7.49% - 17.99%
Low interest rate

*see full PenFed Platinum rewards details detailed in the paragraph above.

The Application Process

You can apply for a PenFed credit card online. To get your credit card, you will need to become a PenFed member by opening a savings account with a minimum deposit of $5, but you can apply and find out if you will be approved without becoming a member. Enter information about yourself, your employment, and your income. You can also add authorized users to your account, and they will receive their own credit cards. PenFed will verify your identity and run a soft credit check, which doesn’t impact your credit score.

Once your application has been submitted, you could get an approval decision and interest rate offer as quick as in 20 seconds. If you accept the offer, PenFed will send your new credit card in 7-10 business days.

Help & Support

PenFed offers customer support by phone, live chat, and through a secure online messaging system. The PenFed website also has detailed help pages that explain how to apply and manage your credit card account.

PenFed’s phone number for customer support is 1-877-856-9690.

Phone call hours: 7 am-11 pm (ET) Monday-Friday, 8 am-11 pm Saturday, and 9 am-5:30 pm Sunday.

Security

Your PenFed credit card is secured with an EMV chip, and you can report your credit card as lost or stolen at any time. PenFed credit cards are also backed by Visa’s Zero Liability Policy*: PenFed's guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.

FAQ

Do PenFed credit cards work with Apple Pay?

Yes, PenFed Visa cards are compatible with Apple Pay, Samsung Pay, and Google Pay.

How do I redeem points from my PenFed credit card?

You can redeem points earned with your PenFed credit card through Visa’s online points center.

How do I become a PenFed member?

Anyone can become a PenFed member by opening a savings account and depositing at least $5.

PenFed Gold PenFed Gold Apply Now

Conclusion

PenFed offers 4 Visa cards that suit a wide variety of needs. Three of the cards offer rewards for different spending categories, while the fourth comes with an interest rate as low as 7.49% APR. All 4 cards come with a low APR balance transfer promotional offer. You can apply for a PenFed credit card online and get a decision right away. 

Methodology

This review was completed using information from the PenFed website and support documentation.

** Zero liability disclosure: 

Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

http://www.visa.com/security.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

PenFed Pathfinder
PenFed Pathfinder
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  • author
    Danielle Walker
    a day ago
    Applying for a loan or credit card Is a breeze

    Applying for a loan or credit card is a breeze. Very easy to do it online, instantaneous decision, competitive rate. I will recommend Penfed to everybody.

    ...

  • author
    Candy Pazo
    a day ago
    I am very pleased with the approval of…

    I am very pleased with the approval of my loan. I apply online and was really easy and fast

    ...

  • author
    Nitzia Lamberty
    a day ago
    My experience was excellent

    My experience was excellent. They works fast and easy to understand everything without any doubt. I apply for an online credit card and was perfect, fast and clear. I recommend it 100%

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  • author
    Kimberly Manago
    2 days ago
    This is the worst credit union ever

    This is the worst credit union ever. I only been with them a couple of months and I hate this bank. I started off good with getting my checking and saving account. Then I applied for credit card and was approved. Now, I'm in the process of buying a house and I wanted this credit union to be where I save my funds. So, this past Tuesday I received my earnest money back from an attorney office as a check. So, I did a mobile deposit only $500 in my checking. Two days later I go to login and my account is locked. I called customer service and they told me it's a block on the account and I cannot get into the account. With no explanation why, they said that particular department was close and I need to call back. I called back the next and was told the same thing not asking me to verify anything. It's just my account has a block on and they cannot give out anymore information. Now I'm getting upset about my money and plus customer service is a f***ing joke. They are rude and horrible, they are going to be the reason people are going to close their accounts because rude customers service. But anyway, I called today with the same attitude and words like they reading from a script. But once I get this taking care of they can close this f***ing account and I will continue to back with Navy federal because they would never treat their people like Penfed treat theirs. My advice is to never bank with Penfed, go to Navy federal or other major credit union. This was referred to me and now I'm giving them a bad review. I will be passing the word around.

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  • author
    Larry
    2 days ago
    The form application was…Outstanding!!!

    The form application was self-explanatory, very little time required. The results were timely and the follow-up as to my account information, payment due, etc. very helpful.

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  • author
    Veronica Jones
    2 days ago
    The best Credit Union ever!!!…

    Penfed is hands down one of the best Credit Unions out there. You will be treated with the upmost respect, customer service is stellar. The products and services are amazing!!!

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  • author
    Casey Rigsby
    Jun 30, 2022
    Great credit union

    Great credit union. Simple fast process. Customer service is very polite. Recommend Pen Fed to all.

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  • author
    R Bell Sr
    Jun 30, 2022
    Nice…

    Excited to be a member of PenFed..

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  • author
    Lund Eric
    Jun 30, 2022
    My experience has been so satisfactory

    My experience has been so satisfactory

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  • author
    Dave Cavazos
    Jun 29, 2022
    PenFed provided me a highly competitive…

    PenFed provided me a highly competitive and excellent interest rate on a personal loan within 24 hours. I am very satisfied with the entire experience.

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  • author
    Barbara McRae
    Jun 29, 2022
    My loan was for $19,000

    My loan was for $19,000 My check was only 17,000

    ...

  • author
    Will Hodges
    Jun 28, 2022
    I recieved a pre-approved credit offer…

    I recieved a pre-approved credit offer in the mail. I went online & entered the code & it took me right the application sight. I answered a few questions, immediately got an approval with the amount approved & the interest rate. I was in the process of doing some balance transfers & their system went down. I called PenFed spoke to a nice CSA & the department that handles transfers was closed. I then used my application number & set up an online account. I'm still trying to see how I can fund my account. When I tried, it took me to a visa page where I had to enter in one of my other Visa's. My bank debit card is an Mastercard. I can not find an area where I can use a different mode of payment. That's 2 parts of this experience that was a little frustrating. I'll be calling PenDed today to hopefully get things straightened out. I highly recommend getting a credit card by PenFed. Their interest rate is 17.9% while most range between 27.9%-30.9%

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  • author
    Shirley Rodriguez
    Jun 27, 2022
    I've applied for two Personal Loans…

    I've applied for two Personal Loans with Pen Fed Credit Union and on both occasions have had EXCELLENT service, quick processing all around with no problem. They provide clear instructions and if documents are requested/needed they assist in a professional manner and timely fashion. Processing of my Personal Loans have been quick and easy and I highly recommend them.

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  • author
    Peter Rich
    Jun 25, 2022
    Personal Loan

    I was just approved for my initial Pen Fed personal loan. Except for the fact that direct deposit is not available for the initial loan ( It will be available going forward), the process was smooth and easy.

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  • author
    Josetta Greene
    Jun 25, 2022
    Great service and ease if use with…

    Great service and ease of use with online banking tools

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  • author
    john
    Jun 25, 2022
    Great products

    Great products , Awesome customer service . I highly recommend Pen Fed to all people seeking a better future with their investment / savings options . They are easy to work with , and quick to help . Smooth transactions , And piece of mind . THANK YOU PENFED !!!!😉😊....

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  • author
    Marvin Coburn
    Jun 25, 2022
    Happy Camper

    One of the most user friendly experiences ever.

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  • author
    Elias V
    Jun 25, 2022
    The BEST customer service I’ve ever had…

    The BEST customer service I’ve ever had with an institution!!!

    ...

  • author
    Kevin Higgs
    Jun 24, 2022
    FRUSTRATED APPLICANT!

    I DID NOT CARE FOR ALL THE TECHNICAL PROCEDURES INVOLVED IN FILLING OUT THE APPLICATION!!!

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  • author
    Brenda L. Wood
    Jun 24, 2022
    Very frustrating experience for me

    Very frustrating but got better, only because I had 3 loans working. Not sure how that happened accept, I was having problems, so they told me to reapply. Anyways the end result is I got the loan and my frustration was replaced with joy, as I can now get bills paid and pay less a month for all these bills. Thank you Penfed. 😊

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  • author
    ptowe Towe
    Jun 24, 2022
    Great response

    Great response. And easy to apply.

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  • author
    Jose Damian Soto Vazquez
    Jun 23, 2022
    Excelente trabajo y rapidez para mi…

    Excelente trabajo y rapidez para mi aplicación de mi tarjeta de crédito

    ...

  • author
    Ralph
    Jun 23, 2022
    great product!

    Easy application, great line of credit, rates are low!

    ...

  • author
    JOHN CRANDALL
    Jun 22, 2022
    High hopes

    I got a pre approved app from PenFed an figured what the hay,why not,it was simple online app,had decision very next day,im early in the PenFed family but look forward to many years to come

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  • author
    J.R.
    Jun 20, 2022
    Never got my loan from them.

    Tried to get a loan from them, no option for direct deposit, only option was a check. Told 5-7 days for arrival, then told 7-10, well, 16 days later I cancelled the loan and went to another bank that knows how to use a computer. Waste of time.

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  • author
    Anita Webster
    Jun 20, 2022
    Very easy application process and quick…

    Very easy application process and quick response

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  • author
    David N Jennifer Vaughn
    Jun 20, 2022
    Loan/CC

    Easy application process

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  • author
    Christopher Bruce
    Jun 18, 2022
    PENFED has been excellent with their…

    PENFED has been excellent with their service online

    ...

  • author
    Steve Coerper
    Jun 18, 2022
    I just applied for my PenFed Gold…

    I just applied for my PenFed Gold credit card. The process was quick and error free.

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  • author
    Allan Cheung
    Jun 16, 2022
    FAIR WARNING!!!

    FAIR WARNING!!!! Do not get an loan with this credit union. They don’t respond back to email nor calls. I had apply for HELOC in February 2022, it took them 4 month to tell me they could give me an HELOC. Why, they said the underwriter said my debt to income is bad. I ask how is that possible. I have business income coming in. Rental income coming in. I don’t owe any money on mortgages, auto and credit cards. My credit score is 800 plus. I have two properties both is paid off. If you think about getting a HELOC loan with the bank better think twice. I think something is serious wrong with this bank.

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  • author
    Edgar Marruffo
    Jun 16, 2022
    Fast, Competitive Personal Loans!

    The application process was fast and easy, and I knew whether or not I was approved right away! the only thing I don't like, now that I think of it, is the only option I had to receive my loan was through check.

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  • author
    Colin Nekritz
    Jun 14, 2022
    PenFed is an honest bank for honest…

    PenFed is an honest bank for honest people.

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  • author
    JBG
    Jun 27, 2022
    Great Experience

    Quick, concise, easy and safe. Excellent followup with PenFed. Will use again.

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  • author
    Liz
    Jun 12, 2022
    Credit card application

    Online application was successfully completed and the people are awesome. I hope to continue and grow my relationship with PenFed in the future.

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  • author
    MG
    Jun 12, 2022
    Penfed Customer Service is Great

    Penfed has one of the most efficient and courteous customer service I have ever experienced. The online financial processes are also some of the easiest to use that I have ever experienced. I left another credit union because their online financial processes were horrible. Keep doing what you do so well!

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  • author
    Jerry Kent
    Jun 12, 2022
    Easy survey straight to the point.

    Easy survey straight to the point.

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  • author
    Sidney Davis
    Jun 10, 2022
    Great rewards and service.

    Great rewards and service.

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  • author
    CHRISTINE SANDOVAL
    Jun 09, 2022
    Hoping to get an auto refinance as I…

    Hoping to get an auto refinance as I try to move my accounts to PenFed but was declined :(

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  • author
    Julio Andujar
    Jun 09, 2022
    Staff professional would dare to make…

    Staff professional would dare to make another loan

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  • author
    Eduardo jr Billote
    Jun 08, 2022
    I’m satisfied for the customer service…

    I’m satisfied for the customer service and fast service

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  • author
    Barbara Gronas
    Jun 07, 2022
    If I could give it no stars I would

    If I could give it no stars I would. Beware of their conditions! They take forever to close an account. Its been over two weeks and I still cant get my money. I have two cd money markets with them and I need the money so I have to close two of them. They dont tell you that if you have to break it before the term, that you lose all interest and dividends and if its over 365 days, you get charged not only all the dividends and interest you made but the amount that you would have made for the term of the cd money market so now its eating into your priniipal! I had money transferred from another bank into their savings account and then opened a cd with it. Now I cant get my money back for 60 days until money has been transferred into an account with them for at least 60 days. I am fed up. Who does that. Beware!!! Everytime I call or send an email, I am told to wait another 10 business days. I am just warning all of you out there, do not put your money in Penfed!

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  • author
    Pamela
    Jun 07, 2022
    PenFed Should Come With Warning Label

    Applied for a HELOC and dti was calculated at 48%. After PenFed got through "reviewing" in underwriting, they increased dti to 58% with no explanation. No new debts incurred during mortgage process; no additional income; no figures changed! They refused to explain what they were counting -- don't know if they mistakenly counted escrowed taxes, insurance, recently zeroed out accounts or what. They simply refuse to account for the 10% increase and appear very insecure when asked. Run, don't walk if Anna Corgiat or Nichole Stone get your file. I withdrew once they wouldn't give an explanation of the change...who would want to depend on PenFed's calculations for a monthly HELOC payment if they can't get it right at the underwriting stage.

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  • author
    Silently Stacking
    Jun 04, 2022
    Banking with PenFed it’s a pleasure I…

    Banking with PenFed it’s a pleasure I wanted a credit card and another product and I was a little nervous about applying but Customer support was there to help with the process just a few question unlocked credit profiles With in 5 min approved for a loan and in 5 more minutes I-was approved a high limit credit card all while on my lunch break

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  • author
    gsk ksg
    Jun 04, 2022
    I wanted a loan, with a rate I feel good about...

    I was shopping for a loan to pay down my cards and make just one payment a month. I have good credit, always pay on time, and limit my cards that i own. Some of the rates quoted to me we crazy high interest rates. PenFed offered me an amount I desired, and a interest rate I could feel good about. All this with very little time invested. Just the normal information to identify you and they return you an answer in minutes.

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  • author
    C. Mecham
    Jun 04, 2022
    So far all is great.

    So far all is great.

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  • author
    breia johnson
    Jun 02, 2022
    PenFed credit union was fast and easy

    PenFed credit union was fast and easy. I highly recommend going through them for loan needs.

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  • author
    Rose
    Jun 02, 2022
    Penfed knows what they are doing!

    Penfed offered a much lower interest rate than I was paying on my credit cards so consolidated them & Penfed made it happen very easily.

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  • author
    Lisa Haynes
    Jun 02, 2022
    credit card offer was sent out 3 days before it expired

    When you send out an email credit card offer for home improvement project 3 days before the offer expires, then don't honor the deal, it's an epic fail. I filed a complaint with a representative and no one has contacted me.

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  • author
    Cliff
    Jun 02, 2022
    Applied for a personal loan and was impressed with the process.

    Applied for a personal loan and was astonished when the positive response came back almost instantly. Not only was my requested amount approved, but they offered an additional $5K!!

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  • author
    KRE
    Jun 02, 2022
    I was referred by my contractor and the…

    I was referred by my contractor and the process was quick and easy. The rates and payment plans you choose before you hit send. This is my first time with a credit union and was glad to get the funds I need within seven days. Give it a try.

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  • author
    Cindy Morgan
    Jun 01, 2022
    Awful customer service

    Awful customer service. Phone wait times are above 20 minutes on average. Customer service agents provide answers to policies and procedures that differ with one another. Attitude of agents are rude. Unfortunately the unprofessionalism has me nervous about leaving large sums of money and my personal information in their hands.

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  • author
    Raul Saldana
    May 28, 2022
    The Customer Service and application…

    The Customer Service and application process is great and easy. Their products are outstanding and would recommend them, no matter if its a loan, credit card, car, home loan.

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  • author
    Ashok Bhagwanani
    May 28, 2022
    Best bank and Credit Card company ever!

    I’ve been with PenFed for about 8 months and everything has been awesome. From the initial application which while thorough and lengthy, I appreciated so that security was maintained. The initial credit line was generous and the subsequent increase 8 months later even more so. Their Customer Service specialists are highly intelligent, English speaking and very personable, with each interaction being pleasurable. They make you feel a highly valued Customer. I cannot recommend them highly enough!

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  • author
    s park
    May 27, 2022
    5% cash back on gasoline

    Great institution to work with. They offer a credit card with 5% cash back on gasoline, and savings account with good interest rate.

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  • author
    Laura Laplow
    May 27, 2022
    Good job

    Good job. Fast and friendly service looking forward to trying your mobile account.

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  • author
    george gonzalez
    May 26, 2022
    Great Customer Service

    Hi I just sold a house and wanted to park some cash; They are offering 3% Interest on there 7 year CD. I get my monthly Air Force Retirement check deposited there. So I opened up a 7 year CD For %3.00 Interest. It boost my monthly income to $2,000. Great Job PedFed.

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  • author
    Helen Bowser
    May 25, 2022
    Great refinance services at reasonable rates

    I contacted PenFed for a replacement loan to cover very expensive dental services. The loan I had came with it a high interest rate and monthly payment. I am retired and on a fixed income. I was able to refinance my loan at a much lower interest rate and monthly payment. The loan process was simple and easy. I can't say enough good things about PenFed. They are great!!

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  • author
    Aaron Snodgrass
    May 25, 2022
    Applying was simple

    Applying was simple, got my check 3 days later. Wish it would have been direct deposit but not that big of a deal.

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  • author
    Floyd
    May 24, 2022
    I will recommend PenFed to others

    I will recommend PenFed to others; the services were excellent. The application process is easy to understand and responds quickly. The representatives were calm and courteous

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  • author
    Kathy
    May 23, 2022
    Great to work with

    Great to work with

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  • author
    DJ Freedom
    May 20, 2022
    PenFed is wonderful

    PenFed is wonderful. The interest is not as high as some companies but they give you what you ask for as long as your credit is decent and you can prove your income. The process to qualify is completely online and short of submitting a few documents, I was approved within a few days. I would recommend PenFed to others I know. I also like the idea of them giving me a savings account (haven't had one in years!!)

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  • author
    Duane Adams
    May 19, 2022
    Try PENFED you won't be sorry.

    I was most pleased with my experience with PENFED .It was so smooth and simple, couldn't ask for anything better.

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  • author
    Kimberly Huey
    May 19, 2022
    Fast service and very helpful.

    Fast service and very helpful.

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  • author
    Tressa M.
    May 25, 2022
    I have been trying to get a hold of…

    I have been trying to get a hold of someone for 4 days about setting up my account online. Poor customer service to help me. I keep getting generic responses. My telephone was entered incorrectly and I have not had success trying to correct it to set up online account. I have asked for call backs instead I have to show proof of a phone bill that it is my ph# even though I entered it and it is only off by one digit. Not a great start as a new member. 5/24- update - still no luck with getting access to trying to find my account. I sent a phone bill with my name and ph# and they still told me it wasn’t sufficient. I have requested multiple times for someone to call me. At this point I may just stick with Navy Federal Credit Untion. They are one of the top credit unions . Sent a request for manager.

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  • author
    G Gab
    May 18, 2022
    Great service

    Great service

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  • author
    Luis Perez
    May 18, 2022
    Great service and very friendly.

    Great service and very friendly.

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  • author
    Scott Dick
    May 17, 2022
    PenFed is an exceptional and customer…

    PenFed is an exceptional and customer oriented financial institution. They really do “serve” their customers.

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  • author
    Ignacio González
    May 16, 2022
    Excelente en su atención hacia mi…

    Excelente en su atención hacia mi personal como cliente

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  • author
    Jean Maynard
    May 12, 2022
    A month is too long to receive my funds

    I am in the process of closing my accounts at Pen Fed for a number of reasons, one being customer response and support. The customer service reps were great but the process of addressing my situation is unacceptable. I have to keep contacting PENFED as I do not receive any updates. Currently I am awaiting the funds from cancelling a CD. I was requested to upload a request to their website. I did so nine days ago and heard nothing. I called yesterday and was told my uploaded request was received and it needed to be in a queue, requires review and it could be up to 10-15 days before a check was mailed. That is nearly a month to receive my own money back. In today’s day and age that is just unacceptable. So I will have to wait another couple of weeks and keep checking on the status. While you maintain accounts there, products are good, but it’s difficult to extract your funds if you leave.

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  • author
    Javier Betancourt
    May 11, 2022
    Members are valued

    Overall experience working with PenFed is very good / excellent. I really liked being treated as a valued member which allowed me to receive direct deposit of a loan into a bank account without issuing a check. This service was presented to me without request.

    ...

  • author
    Eric Brown drums
    May 11, 2022
    Excellent customer service PenFed is…

    Excellent customer service PenFed is number one a credit union you can count on great lines of credit and many products to choose from thank you and fed Credit Union

    ...

  • author
    YADER CAJINA
    May 11, 2022
    Excellent products to choose!!!

    Excellent products to choose!!!! Great rates. Very user friendly to apply!!! Will definitely recommend!!!

    ...

  • author
    Lisa Weston
    May 11, 2022
    PenFed is an awesome Credit Union

    PenFed is an awesome Credit Union. Anything I need done I just do it right online or on my mobile app instead of traveling to a branch.

    ...

  • author
    Bill Crawford
    May 09, 2022
    Wonderful experience, simplicity at its best!

    I really appreciate the ease of doing business with PenFed! I had no issues throughout the application process and have nothing but praise for this company.

    ...

  • author
    Franklin Middleton Jr
    May 08, 2022
    Frank's review

    PenFed was very responsive to my needs. I am happy to be building a financial relationship with them. EXCELLENCE.

    ...

  • author
    Milad Awad
    May 08, 2022
    helpful and good

    helpful and good

    ...

  • author
    Roy Ribeiro
    May 07, 2022
    I was truly impressed with the company…

    I was truly impressed with the company ability to set at ease the applicants question on if the company was just out to make money off you or actually there to be of assistance.

    ...

  • author
    Antonio Balderas
    May 06, 2022
    Applied for an Auto loan

    Applied for an Auto loan. The interest rates and the loan process was a breeze. Thanks PenFed.

    ...

  • author
    Karen Kittery
    May 06, 2022
    A great experience

    This credit card application is my second experience with PenFed. Their rates were more than competitive and the application and acceptance was smooth and easy. They are now my go-to institution for my banking needs. Thanks, PenFed!

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  • author
    Paul
    May 06, 2022
    Happy as ever

    I have always had a great experience when dealing with the staff in person and also applying for a loan online. Very happy with PENFED Credit Union.

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  • author
    Scott Kirk
    May 06, 2022
    Lower interest rate than my other…

    Lower interest rate than my other credit cards. I Would recommend PenFed .

    ...

  • author
    Erik
    May 06, 2022
    Predatory Lending…

    Jamie Jessee used a predatory lending technique to get me to run my credit.

    ...

  • author
    Brenda Bellavia
    May 05, 2022
    PENFED is my choice of bank!!!

    PENFED is my choice of bank!!!! They have excellent customer service in all their departments. Their representatives are clearly well trained in giving the outmost respectable 5star service to their potential customers. The reps in all the departments I had contact with through email or phone are extremely knowledgeable with their products they offer. I highly recommend PenFed to be the first choice of banking for CC or personal loans.

    ...

  • author
    Kar Hib
    May 05, 2022
    Outstanding representative and a great…

    Outstanding representative and a great bank

    ...

  • author
    Israel
    May 05, 2022
    Best service

    Best service Easy application The best interest rate

    ...

  • author
    efren lombana
    May 04, 2022
    I am very satisfied with this bank

    I am very satisfied with this bank. The interest rate was very affordable for me and the application process only took minutes. No hustle. No pressure from any salesman. I was impressed.

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  • author
    Carole Hogan
    May 04, 2022
    Awesome rate and great benifits

    Awesome rate and great benifits

    ...

  • author
    Deborah
    May 04, 2022
    I received a Pre-Approval letter in the…

    I received a Pre-Approval letter in the mail and had to setup a saving account and I called in and was help by Shawn and he was very polite and understood what needed to be done and very good customer service skills

    ...

  • author
    Jason Hamilton
    May 03, 2022
    PenFed Credit Union has a very smooth…

    PenFed Credit Union has a very smooth and quick application process.

    ...

  • author
    Guy Levingston
    May 02, 2022
    AT THIS TIME VERY GOOD

    AT THIS TIME VERY GOOD

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  • author
    WILLIAM
    May 02, 2022
    Rapid Response

    I applied on line and this was quickly handled and responded to. I chose Penfed because of their reputation for customer service.

    ...

  • author
    Odis Edward Frost
    May 02, 2022
    all was great!

    all was great!

    ...

  • author
    Allan Daly
    Apr 30, 2022
    I believe I was not treated fair with…

    I believe I was not treated fair with my credit score being very good and my payment history is exceptional as noted in all the credit bureau's

    ...

  • author
    L Kendall
    Apr 30, 2022
    Quick and easy application process

    Quick and easy application process

    ...

  • author
    Shawn
    Apr 30, 2022
    PenFed is a great Credit Union

    PenFed is a great Credit Union! Best credit card rates I’ve seen around. Great customer service and very responsive!

    ...

  • author
    Lourdes Quinones
    Apr 30, 2022
    Excelent

    Exceñent service

    ...

  • author
    T. Winters
    Apr 30, 2022
    Great service and easy application…

    Great service and easy application process.

    ...

  • author
    ken Lowe
    Apr 29, 2022
    Received a mailing for credit card

    Received a mailing for credit card, went online and filled out application and got the answer back n less than a minute, lot of companies you wait 24 hours or longer

    ...

  • author
    Milton Miller
    Apr 29, 2022
    PenFed gave me a great cash back offer…

    PenFed gave me a great cash back offer on a credit card. Now i intend to put a substantial amount in a cd

    ...

  • author
    Christina
    Apr 28, 2022
    PenFed for life!

    I love, love, LOVE PenFed! Not only is their website easy to navigate, but the loan process is effortless and quick! I have had 2 personal loans from PenFed and couldn't be happier! I highly recommend PenFed for whatever your loan needs are - They're AWESOME!

    ...

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