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PenFed Credit Cards Review

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Reviews 806

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Michael Graw
Michael Graw
May. 03, 20214 min read

Power Cash Rewards Visa Signature® Card 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
Power Cash Rewards Visa Signature® Cardat a glance
4.4

Editorial score

Fees

No annual fee, has other fees

4.0

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

Power Cash Rewards Visa Signature® Card Power Cash Rewards Visa Signature® Card 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 spend during 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


Rewards Program
Bonus Offer
Interest Rate (APR)
Best For
Power Cash

1.5% cash back

(2% for Honors Advantage members)

$100 when you spend $1,500 in your first 90 days
14.99%-17.99%
Cash back
Pathfinder

3x points on travel

(4x for Honors Advantage members)

1.5x points on all other purchases

50,000 points when you spend $3,000 in your first 90 days
14.99%-17.99%
Travel rewards
Platinum

5x points on gas purchases at the pump

3x points supermarket and other purchases*

1x points on all other purchases

$100 when you spend $1,500 in your first 3 months
13.49%-17.99%
Gas and groceries rewards
Gold
None
$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.

Power Cash Rewards Visa Signature® Card Power Cash Rewards Visa Signature® Card 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.‎

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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
    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
    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

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

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

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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 .

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  • 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.

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  • 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

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  • 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

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

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

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  • 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.

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  • 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

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

    Quick and easy application process

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  • 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!

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  • author
    Lourdes Quinones
    Apr 30, 2022
    Excelent

    Exceñent service

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  • 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

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  • 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

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  • 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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  • author
    Sherry
    Apr 28, 2022
    PenFed is the financial Institute to choose

    PenFed is very knowledgeable and friendly. When applying for their products they are very efficient and timely. I would recommend PenFed to my family and friends.

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  • author
    lisa b
    Apr 26, 2022
    Remarkably incompetent

    They made a mistake when reversing a fraud charge at the same time they were converting from one accounting system to a new one. They put the charge back on my account and 6 months later I still cannot get anyone to actually fix it or that knows what happened to actually call me back. Their customer service reps are very low functioning and seem completely untrained. Always several transfers to someone else that I then have to re-verify with. They are a nightmare to deal with. Their banking system and mortgage/equity line system are now completely separate and don't talk to each other at all. In order to make a payment on my equity line I have to create an external payment account on their mortgage system. They also changed my equity line account number and are reporting both accounts as if I have 2 equity lines with them to the reporting agency. I have made multiple attempts to dispute this but to no avail. They say "it's right". They are completely incompetent.

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  • author
    Michael Bradley
    Apr 26, 2022
    Knowledge and friendliness is what make…

    Knowledge and friendliness is what make the difference in conducting your business!

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  • author
    Susie Gomez
    Apr 26, 2022
    Quick and easy application process

    Quick and easy application process and an immediate response on my request for a loan. Check was recieved 4 business days after completion of the process and I had my bank validate the check, which was valid!!

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  • author
    Ebony S
    Apr 26, 2022
    The Chance I Needed

    Excellent Customer Service. Application process is clear, concise, simple. Highly recommended. Penfed gave me the chance I needed to put everything back together. For that I am super grateful!

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  • author
    James Joo
    Apr 26, 2022
    Fantastic Visa Card

    It's fantastic!

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  • author
    Debbie Trulson Tvedt
    Apr 26, 2022
    Simple

    So far everything about signing up & getting an account has been simple & fast.

    ...

  • author
    James
    Apr 25, 2022
    Great lifetime service!

    I've been a member of PenFed for many years and was one of the first bank accounts I owned back in high school. They've always provided excellent support and I was a happy customer all those years. Recently I no longer needed the account and needed to close it. They made the process easy, helped me quickly, and were courteous throughout the process. From beginning to end PenFed was great!

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  • author
    Andrea Rezabek
    Apr 24, 2022
    I was looking to refinance my truck

    I was looking to refinance my truck, which I had purchased as a self-employed freelancer (so my interest rate wasn't great). I'm now full-time employed, and PenFed gave me a great refinancing rate. While I was on their site, I also applied for a credit card, which was also very easy to apply for and get. PenFed's site is simple and easy to use. I always prefer a credit union over a bank, but there aren't any good ones near me, since I am rural. PenFed is great!

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  • author
    LUZVIMINDA BRILLANTES
    Apr 24, 2022
    One of the best credit union

    One of the best credit union. Best rates and good service.

    ...

  • author
    George Garcia
    Apr 23, 2022
    Great service

    Great service

    ...

  • author
    Henry
    Apr 22, 2022
    Very good experience

    Very good experience. Planning to transfer all other accounts to this company.

    ...

  • author
    ALLEN Kurtz
    Apr 22, 2022
    Wonderful Service!

    PenFed has been so helpful with obtaining a personal loan in a very timely manner. It happened faster than we would have thought. We tell our friends how great PenFed is and recommend them as a wonderful Credit Union!

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  • author
    t f
    Apr 21, 2022
    A leader in banking

    A leader in banking

    ...

  • author
    Carla Snyder
    Apr 21, 2022
    This was easy and fast!

    This was easy and fast!! The best experience yet

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  • author
    Markus David
    Apr 20, 2022
    they are so fast and reliable.

    they are so fast and reliable.. i got the loan approved immediately

    ...

  • author
    Lee Work At Home
    Apr 19, 2022
    PenFed offers great products and experience.

    PenFed is a great bank and I wish I had used them when I first signed up in 2019. They are consumer friendly and more. My experience with PedFed has been great!!

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  • author
    Shagen
    Apr 18, 2022
    I applied for a gold credit card

    I applied for a credit card. My interest rate went up 8 %. I have a credit card with PenFed that has a good interest rate. I don’t understand why the gold card is so far out of range with a 781 credit score. I am not activating the card with the increase.

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  • author
    Calvin Brown
    Apr 18, 2022
    Customer service was very professional…

    Customer service was very professional and informative the overall experience was great.

    ...

  • author
    diverna dellahoussaye
    Apr 18, 2022
    I applied for a loan and the service I…Loan application

    I applied for a loan and the service I received was impeckable.the loan officer took charge and used my information without causing a long drawn out procedure.Done within a day.lo

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  • author
    elmer smith
    Apr 17, 2022
    PenFed is Number 1

    PenFed to me is the Best Banking System around.

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  • author
    Gheorghe
    Apr 17, 2022
    Good experience

    I was easy to apply for a loan. I had no issues. Thank you very much.

    ...

  • author
    David D.
    Apr 17, 2022
    PenFed is the best of the best.

    PenFed is the best online credit union bank on the internet. They are professional and courteous and I think they have the best of the best rates of anyone. I am a life-long customer. Thanks PenFed!

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  • author
    Sis Beck
    Apr 16, 2022
    It was quick and hassle free.

    It was quick and hassle free.

    ...

  • author
    Ivan Rigual
    Apr 16, 2022
    Quick response.

    Quick response. Great rate credit card.

    ...

  • author
    Mario Celaya
    Apr 16, 2022
    Excellent interest rates

    I've been shopping around for months for a consolidation loan and I finally found PenFed and they had the best interest rates out of any of the other companies I've shopped. My credit is good but not great but dealing with PenFed made me feel like I had the best credit score available. I definitely recommend PenFed for anybody looking for any kind of loan with a fair interest rate.

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  • author
    Lisa Moser
    Apr 15, 2022
    Don’t use this company!

    Don’t use this company!! It’s a complete run around!!

    ...

  • author
    stuff welike
    Apr 15, 2022
    Ironic turn of events

    I was trying to access my PenFed account via their web portal. But I had forgotten my password and tried to login incorrectly one too many times. So I got locked out. Totally my fault. I tried the reset password feature but the process asks for my SSN. In this day and age of cybersecurity best practices, this is the worst thing you can do. So I didn't do this via the web portal. So I called the toll free customer service number on the back of my PenFed credit card. (2022-04-15, about 9:26 am). Was immediately connected to a customer service rep. She asked me all the personal questions to identify myself, then asked me for my SSN. I explained that I'd rather not give that and was about to ask if there was another way to verify myself. But never got the chance. She immediately cut me off and started explaining whatever policies they had, yada, yada, yada ... Basically, she never let me get a word in. She just kept on blabbing away. I waited patiently until she finished talking. But after she finished talking, she sent a verification code to my phone on their database. I asked "what do I need the verification code for?". And she just hung up and dropped my call. That's it! Well, the irony was I was trying to unlock my web login so I could pay my bill. Then after that, I wanted to transfer my balance from another account to try their services, AND use the checks they sent me to pay off the remainder of our car loan (not much. Just one year of payments left). I was actually trying to transfer two accounts to PenFed. After that experience with that lady customer service, I've decided to close my PenFed account instead. It was a minor account anyway. Just a few dollars in it. Thank God I had this experience with the customer rep. Had I transferred my account to PenFed, I would have been stuck with them for a year. Unfortunately, I forgot the name of the lady customer rep. But she sounded American. Normally, I would rather deal with Customer Service based in the U.S. But after this experience, ... not so much. From all other customer services, I think I like the ones from the Philippines best. They're much more friendlier and effective.

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  • author
    Alicia Romanoff
    Apr 14, 2022
    Excellent experience

    The process to obtain a credit card was easy and quick

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  • author
    Ed Linga
    Apr 14, 2022
    Excellent products

    Excellent products, customer service and followup. Glad to be a PenFed member.

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  • author
    Ed Griswold
    Apr 14, 2022
    Fast and friendly service

    Fast and friendly service. Everything completed on line and approval was immediate.

    ...

  • author
    Brenda Maclin
    Apr 13, 2022
    Very smooth process

    Very smooth process. Website user friendly. Since most of my business has to be handled after hours this is super important. Thanks PenFed.

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  • author
    Debra Koziol
    Apr 12, 2022
    Excellent customer service always

    Excellent customer service always, since 2009.

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  • author
    Babet Benjamin
    Apr 12, 2022
    I truly appreciated PenFed

    I truly appreciated PenFeds loan services, it was a blessing having the online process made simple. As an RN nurse for over ten years I appreciate that this institution has been there for my family time & time again, making there products available and simple to apply for.

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  • author
    Corey Lee
    Apr 11, 2022
    PenFed is a Great Credit union with a…

    PenFed is a Great Credit union with a lot of benefits i would recommend them to anyone.

    ...

  • author
    Paul
    Apr 11, 2022
    I was in need of a loan to consolidate…

    I was in need of a loan to consolidate some debt and start on a bath remodel project. The application process was simple and the quick answer, allowed me to start the ball rolling.

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  • author
    craig may
    Apr 10, 2022
    Excellent Customer service

    Working to have a good relationship with PenFed

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  • author
    Linda Larkins
    Apr 09, 2022
    I applied for a personal loan with…

    I applied for a personal loan with PenFed Credit Union. Within1 to 2 days all paperwork was done. My check will be in my hands within a few days according PenFed. I call this super customer service from the company.

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  • author
    customer
    Apr 09, 2022
    This credit union knows that your time…

    This credit union knows that your time is valuable and they are ready to jump when you call. The loan process was so quick and simple !

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  • author
    Bobby Steele
    Apr 09, 2022
    PenFed for everyone

    Nothing but good things have happened to me since becoming a member of PenFed

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  • author
    Band Mate
    Apr 08, 2022
    Awesome experience

    The loan application process was extremely simple, straightforward and handled with care by great folks. I highly recommend you giving them a shot if you're looking for a personal loan..

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  • author
    Maria Lozano
    Apr 08, 2022
    My experience with PenFed Credit Union

    I love how quick and easy was to apply for a personal loan. This overall was a very positive experience and I would not hesitate contacting PenFed Credit Union with any future needs. This is the place you want to do business with!

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  • author
    Dani Prescott
    Apr 08, 2022
    You guys are awesome!!

    You guys are awesome!!

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  • author
    miguelina Gomez
    Apr 07, 2022
    Muy buena

    Es muy buena para comunicarse y tienen un buen servicio me aprobaron mi préstamo rápido gracias

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  • author
    Wheels
    Apr 07, 2022
    PenFed is Great

    PenFed Credit Union was able to meet my needs. Very professional in conducting business and collecting information and documents.

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  • author
    Zerex Mike
    Apr 06, 2022
    Great Service and easy for the App

    Great Service and easy for the App. Customer Service Top rated.

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  • author
    Nana Konadu
    Apr 06, 2022
    Penfed overall services is great and…

    Penfed overall services is great and love their best low interest rates loans.

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  • author
    David Harrington
    Apr 05, 2022
    Very simple application. process with…

    Very simple application process with quick response and fast delivery of check.

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  • author
    Rick It Until I It Until You P
    Apr 05, 2022
    Great credit union

    Great credit union, second to none!

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  • author
    Patricia Reilly
    Apr 05, 2022
    quit amex and citi bank

    I am trying Pen Fed after reading 2nd vote. I have cancelled American Express and am cancelling Citi Bank due to their left leaning view and ideology.

    ...

  • author
    Pedro L Vazquez Deynes
    Apr 02, 2022
    Not necessary credit search

    No explanation about requesting Credit BUREAU inf. when applying for a $500 overdraft protection. Possibly my mortgage loan to be signed in April is going to cost me.

    ...

  • author
    Carine Touko
    Apr 02, 2022
    First class service

    The process was smooth and without stress. Great service and experience.

    ...

  • author
    G. Chambers
    Apr 02, 2022
    Happy to have found out about PenFed

    Happy to have found out about PenFed. My experiences with them thus far have been positive ones.

    ...

  • author
    Gregg Mcayne
    Apr 02, 2022
    Credit unions are the way to go instead…

    Credit unions are the way to go instead of commercial Banks for loans of all kinds. PenFed is one of the best.

    ...

  • author
    JOSE
    Apr 02, 2022
    Applied for a loan

    Applied for a loan. The process was fast and easy. I will work with them again. Great experience

    ...

  • author
    Annel Cruz
    Apr 02, 2022
    Excelente banco

    Excelente banco

    ...

  • author
    Karen Metz
    Apr 02, 2022
    The application process was quick and…

    The application process was quick and easy to complete. Received an immediate response. The visa card has excellent benefits

    ...

  • author
    Lilly Chen
    Apr 01, 2022
    PenFed approved my application right…

    PenFed approved my application right away since I need to know the result shortly even un-approval, they are excellent even I got denied before but I still trust them and keep coming back, hahaha.

    ...

  • author
    Tracey Johnson
    Apr 01, 2022
    Not at this time

    Not at this time

    ...

  • author
    Yara
    Apr 01, 2022
    Very easy to use

    Very easy to use

    ...

  • author
    KB
    Mar 31, 2022
    Always reliable

    Have been a joint member with my husband for decades. Always received very good service. Now as an individual, PenFed have been helpful and proactive in arranging my own accounts, credit card etc.

    ...

  • author
    Shelbi Robinson
    Mar 31, 2022
    Great company very helpful but online…

    Great company very helpful but online issues caused by delay in approval. Customer service was very helpful and did everything that they could and just waiting on IT to fix my ability to log in. Fast approval and accepting lower credit scores which is great because I'm trying to get my life back on track and this has basically saved the day 10 out of 10 would recommend

    ...

  • author
    Eugene
    Mar 30, 2022
    PenFed online was informative and easy…

    PenFed online was informative and easy to navigate through. The telephone reps were patient with me as I looked for the information she asked for.

    ...

  • author
    Sherry Hastings
    Mar 30, 2022
    My experience with PenFen Credit Union…

    My experience with PenFen Credit Union was excellent. I received my loan approval within 24 hours. Had to contact their customer service because I was having a problem with my electronic signature and setting up an account but the rep took her time and walked me through everything with no problems. I completely recommend this credit Union. The service I received was excellent. No complaints

    ...

  • author
    Carl Swofford
    Mar 30, 2022
    I like their rates and services

    I like their rates and services. The application process was clear and easy to follow. Really good follow up communications.

    ...

  • author
    El Matador Anthony Mata
    Mar 30, 2022
    Fantastic quick service

    I have dealt with many banks and Recently purchased a home, opening an account and transferring my Auto loan was such a simple fast process. Highly recommend.

    ...

  • author
    Joe T.
    Mar 30, 2022
    PenFed said "YES" when others didn't...

    ID Theft hurt me but I took the chance expecting another rejection, but PenFed welcomed me in with open arms. The online application process for their loans are simplified with a very fast approval (or denial) response. It is a very easy and painless process overall and I highly recommend joining! The only thing I would have done differently would be to open a checking and savings account first and then apply for the loans because if you do not establish an account first, you cannot have the funds directly deposited into the account, they will instead send a paper check which will take approximately 5-7 business days. The rates are great too!

    ...

  • author
    Brian Schmidt
    Mar 29, 2022
    Easy installment loan with PenFed

    Penfed was easy to use and the process was very rather quick

    ...

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