How to Join PenFed Credit Union
PenFed Credit Union membership eligibility includes, but is not limited to, the following:
- PenFed membership is open to everyone.
Notable Mentions & Guides
- 🌎 Featured among the Best Nationwide Credit Unions.
- 🎖️ Featured among the Best Military Credit Unions.
- 🏆 Listed in the 2026 Best Credit Unions in Virginia.
- 🏆 Listed in the 2026 Best Credit Unions in DC.
- 👉 Learn: How to Join a Credit Union →
- 🔎 Explore: Credit Union Marketplace →


Buddy –
Best decision I made was joining and refinancing my car.
Queenie –
I’ve been a member since 2018. My husband was in the navy and we were looking for an alternative to Navy. It was easy to join and we got a credit card and was able to transfer balances from a higher rate credit card which saved us so much money. We were on a tight budget having transitioned so consolidating 3 cards to Pen Fed was helpful and make things easy for us. We haven’t need to go to branch cause we do everything online and having access to all these atms with fees is nice. This is how a bank should be. There whenever we need and not have to be something we need to watch to make sure they ain’t feeing us.