PenFed Credit Union Reviews 1,883

TrustScore 4 out of 5

3.8

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews.

Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers appreciate the friendly and efficient service provided by the staff. Consumers highlight the ease and convenience of the services, with many noting how quickly their issues were resolved. People also value the professionalism and knowledge of the representatives, who are described as courteous, patient, and effective. However, some reviewers have reported issues with payments and difficulties in contacting the company. Despite these concerns, many customers express long-term satisfaction, with some having been members for over 20 years. They value the competitive rates and the overall positive experience with the company's services.

Based on these reviews

Rated 4 out of 5 stars

Auto loan terms and race raise to understand, application, smooth, and easy. The promissory note took a few tries to sign online, but the ability to pick up the check from any branch was fantastic! T... See more

Rated 3 out of 5 stars

The PF agent was great and made a herculean effort to explain why there was repeated glitches in PF's handling of our HELOC payments. The agent sympathized with us, explaining she was not authorized t... See more

Rated 3 out of 5 stars

Not sure why they would prequalify me for a credit card but then deny the application. Fool me once, shame on them.

Rated 5 out of 5 stars

I have used PenFed for over 20 years. I have purchased 2 homes, about 5 cars and also had a home equity loan. The customer service employees are always very knowledgeable about their area of experti... See more

Rated 5 out of 5 stars

I have never had as simple easy and effortless an experience in applying for a loan than my recent experience with PenFed. I was applied for a loan on Friday morning...and had my approval and loan pap... See more

Rated 5 out of 5 stars

About a year and a half ago I switch all my financial accounts over to PenFed Credit Union and I could not be more satisfied. After being with JP Morgan (Chase) for 20+ years, I got tired of their p... See more

Rated 5 out of 5 stars

Wow, was I impressed with the customer service representatives at PenFed Credit Union. From the jump, they thank you for your time with PenFed. Very professional, friendly, and just made me feel like... See more

Rated 5 out of 5 stars

Again, the Pentagon Federal Credit union rep was so helpful. Could not have been more attentive, helpful or professional. Great reps from PFCU are getting to be expected. So glad they are looking afte... See more

Rated 5 out of 5 stars

The general services. The cashiers can resolves almost everything. Manager check are for free. The APP is wonderful. I really like everything comparing with the local Banks I just move to PEN FED. We... See more

Rated 5 out of 5 stars

The Penfed Rep I spoke listened to my issue, put me on a brief hold while he looked into my issue. Upon returning, he said the issue was caused by my entering an incorrect code. I have been a Penfed... See more

Rated 5 out of 5 stars

Professional, courteous, and concerned about their customers! I was called back at the exact time specified, and the issue was resolved right away. Kudos to PenFed for having the best people doing the... See more

Rated 5 out of 5 stars

Started the mortgage process a month ago. I used PenFed recommended Real estate agent who was smart, professional and listened to my needs and didn't waste my time. PenFed mortgage team was easy to wo... See more

Rated 5 out of 5 stars

Getting through to a "Customer Service Representative" at PenFed may be a bit difficult. But if you wind up connected to a lady by the name of Crystal, you are in luck. She is courteous, respectful,... See more

Rated 5 out of 5 stars

I had the pleasure of working with Lashawnda Burger to open my new account at PenFed, and I can’t say enough about her professionalism, warmth, and efficiency. From the moment we connected, Lashawnd... See more

Rated 2 out of 5 stars

I was preapproved for an auto loan. When it came time to request it, the system only asked for permission to pull credit and then 'submit'. Before asking for my auto info or final loan amount, it hi... See more

Rated 5 out of 5 stars

Car for a Priest--he has selected the BEST one--we have found after a considerable search. Please help us get it for him. Thanks *Because I have a problem and if you can not help--you will have s... See more

Rated 5 out of 5 stars

I have been a member of PenFed Credit Union for about 20 years. I have always found the people at PenFed who I have interacted with when I had a question or problem to be very helpful. They are really... See more

Rated 5 out of 5 stars

My wife and I are long time customers. Each time we come to PedFed the staff is very friendly and helpful with our needs. The most important thing keeping customers coming back is to put them first be... See more

Rated 5 out of 5 stars

Had tried for couple days to resolve problems blocking my payoff of credit card balances with funds already on deposit with PFCU. My computer problems that had blocked a solution were easily avoided... See more

Rated 5 out of 5 stars

The ease and convenience of applying for an auto loan was amazing. In less than an hour, the application was filled out, reviewed, approved and processed all online. Within two days we picked up the... See more

Rated 5 out of 5 stars

My experience was great at PenFed because they were more eagered to ensure that I received the very best care. Additionally, PenFed was upfront and trufully about all their products and services,... See more

Rated 5 out of 5 stars

Penfed easy bank to deal with , the only slightly bad experience was the wait on my first visit , but i guess all banks are similar . Customer service is very good . A.t.m’s are in many locations with... See more

Rated 5 out of 5 stars

Quick professional service. Resolved my concerns in one telephone call. Gave more information than I asked for. I glad because I didn't know what else to ask about

Rated 5 out of 5 stars

Very friendly and professional. Answered all questions and made me feel important . The best credit union I have ever had the pleasure to deal with. Great rates on products. Highly recommend.

Rated 5 out of 5 stars

I've been with PenFed since 2002! This is a 23yrs relationship. I don't have to worry about mishandling of any transaction with this bank and I can always get a hold of someone later than 5pm during... See more

Rated 5 out of 5 stars

With PenFed, making online transactions is easy for me at my age. Everything is set up clearly and simply. Trust and credibility in PenFed

Rated 5 out of 5 stars

when I get into situation of any transactions looking suspicious and you people solve the problem as soon as possible. I like that.

Rated 5 out of 5 stars

Superbe expérience with the Banker who served us via telephone. She was very cordial, knowledgeable, and magnificently delivered the service on the behalf of PenFed.

Rated 5 out of 5 stars

Everything was very easy, the online tools were the best and the person who attended me, knew what I was doing and answered all my doubts, that I even opened a savings account, unintentionally 😂

Rated 5 out of 5 stars

As a long time customer at Penfed, I can say that anytime I have asked a question or have a concern with any of my accounts, they have always provided the best information and resolution. Their custom... See more

Rated 5 out of 5 stars

Friendly, fast, great service. Listening skills were superb. Nice to get it right the first call and first time. Awesome bank. Had them for over 30 years. Highly recommend!

Rated 2 out of 5 stars

I got hacked and was trying to freeze my accounts as fast as possible, I could not even get a phone number for Pen credit Union, NO ONE WAS IN A HURRY except ME!

Rated 5 out of 5 stars

I’m Very satisfied with PenFed, and the interest rate is never matched so far, the lowest I’ve seen . Very helpful and knowledgeable staff

Rated 5 out of 5 stars

I’ve been with PFCU since the early 70’s. They have been great to me. I have had my mortgage through them, a car or two. Thus, nothing but good things to say about them. I’m not particularly fond o... See more

Rated 5 out of 5 stars

Everything is always great at Penn Fed. Quality service and always taken care of promptly and correctly.

Rated 5 out of 5 stars

This is a wonderful credit union..they are extremely caring and make sure that they are able to help you in any way..Even on the weekends 😀

Rated 5 out of 5 stars

Employee was very helpful and has the vast knowledge of information that we need. Thank you.

Rated 5 out of 5 stars

I enjoyed being helped by this rep and she was very polite and encouraging. She was able to help me with what I needed to be done.

Rated 5 out of 5 stars

Pentagon Federal Credit Union continuously provides excellent customer service, and this visit was no different. I have been a member for 20 years and never been disappointed.

Rated 5 out of 5 stars

Representatives always kind and patient. Best continuous interest rates for banks and credit unions. Deposits always early and communication prompt and positive.

Rated 5 out of 5 stars

I called PenFed Bank to help me resolve an issue. The agent was truly very helpful and professional. He explained the issue I was experiencing with an in-depth information that I was aware of. He was... See more

Rated 5 out of 5 stars

The customer service representative was able to help me resolve an issue that I had. Thank you so much for your excellent customer service.

Rated 5 out of 5 stars

What makes PenFed extraordinary is the people who provide courteous and efficient customer service. Whatever your needs may be, the people at PenFed are ready, willing, and able toGo help you. Good... See more

We perform checks on reviews


Company details

  1. Financial Institution

Written by the company

Established in 1935, Pentagon Federal Credit Union (PenFed) is America’s second-largest federal credit union, serving over 2.1 million members worldwide with over $26 billion in assets. PenFed Credit Union offers market-leading certificates, checking, credit cards, personal loans, mortgages, auto loans, student loans, and a wide range of other financial services. PenFed Credit Union is federally insured by the NCUA and is an Equal Housing Lender.


Contact info

3.8

Great

TrustScore 4 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Hasn’t replied to negative reviews


Rated 1 out of 5 stars

6 days to do something that should take minutes

I needed a copy of a tax form. At my regular credit union, this would take minutes. With PenFed, it took three days. They sent a wrong form. When I pointed this out, they said it would take another three days for the correct form. So six days to provide something that should be able to be provided within minutes.

October 17, 2025
Unprompted review
Advertisement
Advertisement
Advertisement
Rated 5 out of 5 stars

Very satisfied customer for over 20 years

I have used PenFed for over 20 years. I have purchased 2 homes, about 5 cars and also had a home equity loan. The customer service employees are always very knowledgeable about their area of expertise and are very pleasant and helpful. I highly recommend PenFed for any and all of your financed purchases.

October 16, 2025
Unprompted review
Advertisement
Rated 5 out of 5 stars

Pentagon Federal Credit Union…

Pentagon Federal Credit Union continuously provides excellent customer service, and this visit was no different. I have been a member for 20 years and never been disappointed.

October 15, 2025
Unprompted review
Advertisement
Rated 5 out of 5 stars

Excellent Bank #1

Friendly, fast, great service. Listening skills were superb. Nice to get it right the first call and first time. Awesome bank. Had them for over 30 years. Highly recommend!

October 13, 2025
Unprompted review
Rated 5 out of 5 stars

Why I Switched To PenFed Credit Union

About a year and a half ago I switch all my financial accounts over to PenFed Credit Union and I could not be more satisfied.
After being with JP Morgan (Chase) for 20+ years, I got tired of their policies. They would pay me $0.01 interest on my checking account and then charge me a $25.00 fee on the account.
PenFed has no fees on your accounts and pays me a decent interest rate. I will never go back to BIG Banks again. They rip you off at every turn.

October 13, 2025
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look