Pentagon Federal Credit Union


7940 Jones Branch Dr
Mclean, VA 22102
See all branch locations →

ACH 256078446

Phone 1-800-247-5626

Notable Rates APY Vs.Others
Savings 2.70% 6.25% →
1-Year CD 4.46% 5.25% →
2-Year CD 4.45% 5.00% →
5-Year CD 4.45% 4.67% →
30-Year Mortgage 7.01% 0.00% →
15-Year Mortgage 7.01% 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Pentagon is an NCUA insured institution located in Mclean, VA. It was founded in 1935 and has approximately $35526.36 millions in assets.

Who can join?

Membership is open to those serving in the military or veterans as well as those belonging to a qualifying organization. In general, anyone can become a member by joining one of the participating organizations for a nominal fee.

NCUA Insured Yes / Federally Chartered
Charter Number # # 227
Date Established 1935
Assets $35,526.36 million
Loans $29,731.49 million
Deposits $27,716.60 million
Capital $3,383.83 million

Field of Membership Restrictions

Membership in PenFed Credit Union is open to anyone through membership in Voices For America's Troops ($14 one-year membership fee) or the National Military Family Association ($15 donation). Membership is also open to the following: (1) members of the United States Military and Uniformed Services; (2) employees of the U.S. government; (3) live or work in Fort Hood, Fort Gordon, Fort Shafter, Belvoir, Virginia and other select military or U.S. government locations; (4) employees of American Red Cross, Anderson Air Force Base, and over 100 Select Employer Groups; (5) members of Marine Corps League, National Military Family Association, and over 40 military-related associations; (6) and to immediate family of those who are eligible. (Complete membership requirements are listed in the credit union's online application).

Deposit Rates - June 7, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $0 $2,500 Learn More
Premium Online Savings
2.70% $5 $250,000 Learn More
Money Market
0.05% $0 $10,000 Learn More
Money Market
0.10% $10,000 $99,999 Learn More
Money Market
0.15% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
2.70% $1,000 - Learn More
4.46% $1,000 - Learn More
4.65% $1,000 - Learn More
4.45% $1,000 - Learn More
4.45% $1,000 - Learn More
4.45% $1,000 - Learn More
4.45% $1,000 - Learn More
4.45% $1,000 - Learn More
3.80% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
1 Year
4.45% $1,000 - Learn MoreShow Less
2 Year
4.45% $1,000 - Learn MoreShow Less
3 Years
4.45% $1,000 - Learn MoreShow Less
4 Year
4.45% $1,000 - Learn MoreShow Less
5 Year
4.45% $1,000 - Learn MoreShow Less
7 Years
3.75% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Access America Checking
0.15% $0 $19,999 Learn MoreShow Less
Access America Checking
0.35% $20,000 $50,000 Learn MoreShow Less

Loan Rates - June 7, 2023

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year 2.14% 2.14% $717.59
4 Year 2.74% 2.74% $550.49
5 Year 2.89% 2.89% $448.00
Refinance Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Below are Pentagon branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Pentagon Locations

Climate Initiatives

PENTAGON is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Pentagon Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pentagon. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Pentagon U.S. Average
7.47% 5.90

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2022, Pentagon had $258,331,244 in non-current loans and $15,457,626 in owned assets. To cover these potential losses it had $3,383,834,725 in net worth and $280,784,860 in loans loss reserves. That gives it a Texas Ratio of 7.47%.

Net Worth
Pentagon U.S. Average
9.52% 12.75%

Pentagon FCU has a net worth of 9.52% versus the BestCashCow average of 12.75. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Pentagon (13)

  • November 11, 2022 |

    I have been with PenFed for a number of years, and have gotten good products. Employees have been helpful. However, beware of titling for accounts with trusts.
    You will not be able to distinguish between names of personal accounts and names of trusts. This becomes a problem in that trustees are listed as joint owners for a trust account. They sent letters to clarify this issue and the letters made my point.
    This is a problem waiting to happen.

  • November 2, 2022 |

    Online CDs 12 Month Rates

    There’s a reason why this financial institution gets low ratings. The Leadership is slow to change. Just look at the archaic website and the reasons why members complain. The Directors are year past their prime in understanding what the new investors want. Believe it or not its not what you are producing and selling.

  • October 27, 2022 |

    I have been with PenFed going on 12yrs. I only use them for online savings(MMA) and CD laddering. I have never have experienced any problems. Since dealing with MMA's rates go with the flow, they let you know that up front when you sign up. If you want a guaranteed rate lock into a CD, I am fortunate enough that they recently built a branch office near me allow person to person communication .

  • August 10, 2022 |

    Online CDs 12 Month Rates

    While they offered good rates, I got nothing but the runaround on membership. Twice submitted required forms in which they said were not clear enough, but only after I called them to see what the holdup was. Very poor communications.

  • May 28, 2022 |

    Online CDs 12 Month Rates

    Did business with them for many years, but the quality of service has really gone down. The small improvement in interest rate not offset by the very dismal customer service.

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