Pentagon Federal Credit Union
Headquarters
7940 Jones Branch Dr
Mclean, VA 22102
See all branch locations →
ACH 256078446
Phone 1-800-247-5626
Reviewed by Rob | December 25, 2023
I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a merchandise for 600.00 same day I closed. Reassured I would get the money from my card refund. I never got that money. The local telkers winkie blinked at each other, asked each other in front of me giggling if that had been taken care of..., then told me they had no such transaction. The merchant showed me a refund after my account closed. Thug Mafia like principles. This is for you if you are like minded. End times.
2025 Overview
General Credit Union Information
Pentagon is an NCUA insured institution located in Mclean, VA. It was founded in 1935 and has approximately $30575.25 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 | $30,575.25 million |
| Loans | $24,252.11 million |
| Deposits | $27,069.76 million |
| Capital | $3,093.01 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 - July 30, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Regular Savings
|
0.05% | $0 | $2,500 |
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|
| Premium Online Savings
|
2.90% | $5 | $250,000 |
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|
|
Money Market
|
0.05% | $0 | $10,000 |
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|
|
Money Market
|
0.10% | $10,000 | $99,999 |
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|
|
Money Market
|
0.15% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month Money Market Certificate
|
2.90% | $1,000 | - |
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|
| 1 Year Money Market Certificate
|
3.40% | $1,000 | - |
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|
| 15 Month Money Market Certificate
|
3.25% | $1,000 | - |
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|
| 18 Month Money Market Certificate
|
3.25% | $1,000 | - |
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|
| 2 Year Money Market Certificate
|
3.20% | $1,000 | - |
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|
| 3 Year Money Market Certificate
|
3.20% | $1,000 | - |
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|
| 4 Year Money Market Certificate
|
3.20% | $1,000 | - |
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|
| 5 Year Money Market Certificate
|
3.20% | $1,000 | - |
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|
| 7 Year Money Market Certificate
|
3.00% | $1,000 | - |
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|
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 1 Year
|
3.30% | $1,000 | - | Learn More |
| 2 Year
|
3.45% | $1,000 | - | Learn More |
| 3 Years
|
3.30% | $1,000 | - | Learn More |
| 4 Year
|
3.10% | $1,000 | - | Learn More |
| 5 Year
|
3.10% | $1,000 | - | Learn More |
| 7 Years
|
2.90% | $1,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Access America Checking
|
0.15% | $0 | $19,999 | Learn More |
| Access America Checking
|
0.35% | $20,000 | $50,000 | Learn More |
Loan Rates - July 30, 2025
Your Current Location: New York, NY 10116
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
3.75% | 3.75% | Varies | |
Compare with RATE Line of Credit from PenFed Credit Union
See All Home Equity Rates |
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| 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 | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.00% | 6.00% | $2,700.34 | |
| 15 Year Fixed Jumbo See Amortization Table |
7.01% | 7.00% | $2,876.25 | |
| 30 Year Fixed Conforming See Amortization Table |
6.52% | 6.50% | $2,022.62 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.01% | 7.00% | $2,128.97 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.04% | 6.00% | $2,700.34 | |
| 15 Year Fixed Jumbo See Amortization Table |
7.01% | 7.00% | $2,876.25 | |
| 30 Year Fixed Conforming See Amortization Table |
6.52% | 6.50% | $2,022.62 | |
Compare with 6.368% APR and 6.250% 30-Year Fixed RATE from Reliant Home Funding, Inc.
See All Mortgage Rates |
||||
| 30 Year Fixed Jumbo See Amortization Table |
7.01% | 7.00% | $2,128.97 | |
|
Compare with 6.368% APR and 6.250% 30-Year Fixed RATE from Reliant Home Funding, Inc.
See All Mortgage Rates |
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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.
Branches
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.
Your Location:
New York City,New York
Pentagon Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 18.56 | A | View Lobby Hours | |
| 45.83 | B | View Lobby Hours | |
| 46.92 | C | View Lobby Hours | |
| 136.93 | D | View Lobby Hours | |
| 181.61 | E | View Lobby Hours | |
| 201.08 | F | View Lobby Hours | |
| 201.34 | G | View Lobby Hours | |
| 203.81 | H | View Lobby Hours | |
| 204.24 | I | View Lobby Hours | |
| 204.25 | J | View Lobby Hours | |
| 205.28 | K | View Lobby Hours | |
| 205.28 | L | View Lobby Hours | |
| 206.34 | M | View Lobby Hours | |
| 207.97 | N | View Lobby Hours | |
| 209.81 | O | View Lobby Hours | |
| 213.38 | P | View Lobby Hours | |
| 465.28 | Q | View Lobby Hours | |
| 993.17 | R | View Lobby Hours | |
| 1004.34 | S | View Lobby Hours | |
| 1172.77 | T | View Lobby Hours | |
| 1361.31 | U | View Lobby Hours | |
| 1422.53 | V | View Lobby Hours | |
| 1596.22 | W | View Lobby Hours | |
| 2611.70 | X | View Lobby Hours | |
| 4643.00 | Y | View Lobby Hours |
Climate Policy and Initiatives
PENTAGON is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Customer Reviews for Pentagon (16)
Rob
December 25, 2023
I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a merchandise for 600.00 same day I closed. Reassured I would get the money from my card refund. I never got that money. The local telkers winkie blinked at each other, asked each other in front of me giggling if that had been taken care of..., then told me they had no such transaction. The merchant showed me a refund after my account closed. Thug Mafia like principles. This is for you if you are like minded. End times.
Is this review helpful? Yes:1 / No: 0
Diane
November 8, 2023 |
My husband and I have hade acoou t-shirts with Penfed for over 20 years. Lately the services are awful. Takes 2-3 days to show a transfer ( within the credit union) New website is not user friendly, why companies feel they they need to “update” , why fix something that’s not broke! Difficult to talk to a real person, chat is worthless. It’s a shame .
Is this review helpful? Yes:2 / No: 0
Dana Gilmour PFCU Incompetence
July 31, 2023
Member since 1967. Screwed up 2 closings! Sale and buy, all PFCU mortages. Delays forced reschedule and living on economy plus mover surcharge to hold furniture. LAST business I'll ever do with these incompetents that can't do simple tasks on time!
Is this review helpful? Yes:1 / No: 0
Michael
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.
Is this review helpful? Yes:1 / No: 0
Devildog
November 2, 2022 |
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.
Is this review helpful? Yes:2 / No: 0
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