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- Pentagon Federal Credit Union
About Pentagon Federal Credit Union
Pentagon Federal Credit Union, commonly known as PenFed Credit Union, is one of the largest federally chartered credit unions in the United States. It was established in 1935 and today provides checking and savings accounts, certificates, credit cards, auto loans, personal loans, mortgages, home-equity lending, retirement savings products, commercial real-estate lending, wealth-related services, and other financial solutions. Membership is now broadly available rather than being restricted only to Pentagon or military personnel.
PenFed is a member-owned financial cooperative rather than a publicly traded bank. Deposits are federally insured by the National Credit Union Administration (NCUA) within applicable limits, and PenFed operates as an Equal Housing Lender. Its mission is to deliver financial value that helps members achieve their goals, with a long-standing connection to military communities, veterans, and public service.
PenFed’s 2025 Annual Report states that the credit union serves more than 2.8 million members worldwide and has approximately $29 billion in assets. James R. Schenck continues to serve as President and CEO. PenFed’s careers site describes its headquarters as being in Tysons, Virginia, while current official legal and disclosure materials use 7940 Jones Branch Drive, McLean, VA 22102, in the Tysons area, as an important current corporate address.
Quick Information
Corporate Phone Number
1-800-247-5626
PenFed continues to publish this long-standing toll-free number in current official disclosures and service materials for general account and member contact.
Customer Service Number
1-724-473-6333
Also written as:
1-724-4PENFED
Current Member Services hours are Monday through Friday from 8:00 AM to 8:00 PM ET and Saturday from 8:00 AM to 6:00 PM ET.
Corporate Office Address
Pentagon Federal Credit Union
7940 Jones Branch Drive
McLean, VA 22102
United States
Headquarters Address
PenFed Credit Union
7940 Jones Branch Drive
McLean, VA 22102
United States
PenFed’s careers site describes its headquarters as being in Tysons, and current official legal disclosures use this McLean/Tysons address.
PenFed does not publish one ordinary unsecured general-member-service email address.
Members are encouraged to use secure online messaging or the appropriate specialized contact. Current hardship emails include consumercreditworkouts@penfed.org and MortgageLossMitigation@PenFed.org.
Industry
Credit Union, Consumer Banking, Lending, Mortgages, Credit Cards and Financial Services
Founded
1935
PenFed celebrated more than 90 years of serving members in its 2025 Annual Report.
Number of Members
More than 2.8 million members worldwide
as reported for 2025.
Total Assets
Approximately $29 billion
as reported in the 2025 Annual Report.
Current CEO
James R. Schenck
President and Chief Executive Officer.
Website
Careers Page
PenFed Products & Services
Checking Accounts
PenFed offers checking products designed for everyday spending, bill payments, debit-card transactions, direct deposits, and digital banking. Members can manage qualifying checking accounts through PenFed Online and the mobile app.
Savings Accounts
PenFed offers regular and premium online savings accounts for members building cash reserves or saving toward specific goals. Account yields, balance requirements, and terms can change according to current product conditions.
Money Market Certificates
PenFed certificates provide fixed-term savings opportunities with stated rates for customers willing to keep funds deposited for the selected period. Certificate terms and early-withdrawal provisions should be reviewed before opening an account.
IRA Savings and Certificates
PenFed offers individual retirement savings products including IRA Savings and IRA Certificates. These products allow members to hold qualifying retirement funds within federally insured deposit structures, subject to applicable tax rules.
Credit Cards
PenFed offers several Visa credit-card products, including Power Cash Rewards, Defender Rewards, Gold Visa, Platinum Rewards, and Pathfinder Rewards. Features differ by card and can include cash back, travel rewards, lower-rate structures, or category-based rewards.
Auto Loans
PenFed provides financing for new and used vehicle purchases as well as refinancing of eligible existing auto loans. It also offers vehicle-related services such as GAP protection and debt-protection products.
Personal Loans
PenFed provides unsecured personal loans for qualifying uses such as debt consolidation, home improvement, travel, major purchases, or other personal expenses. Rates and approved amounts depend on creditworthiness and applicable underwriting.
Mortgage Loans
PenFed originates residential mortgages, including conventional, FHA, VA, jumbo, and refinancing options. Its home-lending business also offers preapproval, affordability tools, and access to Home Loan Advisors.
Home Equity Lines of Credit
Homeowners with qualifying equity can apply for PenFed home-equity financing. PenFed reported $1.4 billion in HELOC originations during 2025, reflecting continued demand for this product category.
Commercial Real Estate Lending
PenFed provides commercial real-estate lending services for eligible borrowers. The credit union has also actively managed the size and risk composition of its commercial real-estate portfolio.
Student Loan Services
PenFed’s website provides access to student-loan options and educational-financing resources, including certain services delivered through partner arrangements.
Wealth Management
PenFed Wealth Management provides financial guidance and investment-related services intended to help members plan for longer-term financial goals, retirement, and wealth accumulation.
Wire Transfers
Members can send domestic and international wire transfers through PenFed. PenFed currently directs members to 1-800-247-5626 for wire assistance, while incoming wires use routing number 256078446 and the Alexandria address specified by the credit union.
Digital Banking
PenFed Online and the PenFed mobile app allow members to view balances, transfer funds, manage cards, make payments, upload documents, and conduct other routine account activities.
Fee-Free ATM Access
PenFed advertises access to 85,000+ fee-free ATMs and branches nationwide through its network arrangements, giving members broad access beyond PenFed-owned financial centers.
Financial Hardship Assistance
PenFed operates separate hardship programs for consumer credit and mortgage borrowers. Members facing financial difficulty can submit documentation securely and work with dedicated loss-mitigation or consumer-credit teams.
PenFed Corporate Phone Numbers
Corporate Phone Number
1-800-247-5626
Corporate Headquarters Number
PenFed does not prominently publish a separate Tysons headquarters switchboard distinct from its member-service system.
General routing
1-800-247-5626
Headquarters Number
For general member contact:
1-800-247-5626
Corporate Office Number
1-800-247-5626
Member Services Number
1-724-473-6333
or
1-724-4PENFED.
TTY Member Services
1-800-225-6378
Eugene, Oregon
1-541-225-6801.
Checking and Savings Support
1-877-856-9690
International
+1-531-210-3511.
Credit Card Support
1-877-856-9690
This number can be used for card activation, PIN assistance, and general card management.
Lost or Stolen Card / Unauthorized Transaction
1-866-820-8875
This number should be used promptly when a debit or credit card is lost, stolen, or associated with unauthorized activity.
Mortgage and Home Equity Sales
1-800-970-7766
Hours
Monday to Friday, 8:00 AM to 8:00 PM ET
Saturday, 9:00 AM to 5:00 PM ET.
Mortgage Servicing
1-800-585-9055
For existing home-loan servicing.
Consumer Credit Hardship
1-800-247-5626
Consumer Credit Workouts uses this number for card and loan hardship assistance.
Mortgage Loss Mitigation
1-888-974-0302.
Wire Transfer Number
1-800-247-5626
Outside the U.S.
+1-703-838-5100.
International Member Services
Current PenFed Member Services publishes toll-free numbers for selected countries, including
Germany: +0800-818-5360
United Kingdom: +0800-89-1401
Italy: +800-876204
Spain: +900-99-1013.
Fax Numbers
1-800-557-7328
and
1-800-278-2212.
Investor Relations Number
Not applicable.
PenFed is a member-owned federal credit union, not a publicly traded company.
Media / Press Number
PenFed does not prominently publish one permanent universal press number on its main member-contact page.
Human Resources Number
PenFed does not publish one general applicant HR phone number.
Careers
Emergency / After-Hours Number
For lost or stolen cards and unauthorized activity:
1-866-820-8875
Other general Member Services lines follow published operating hours.
How to Reach a Real Person at PenFed
For general membership questions, use 1-724-473-6333 (1-724-4PENFED) during current Member Services hours. PenFed also continues to use 1-800-247-5626 throughout its official banking disclosures and specialized service instructions. Have your member information and the last few details of the relevant transaction ready so PenFed can authenticate the account and direct the call to the correct team. Do not provide online-banking passwords or one-time verification codes to an unsolicited caller.
If the matter concerns checking or savings, use 1-877-856-9690. Mortgage applicants can call 1-800-970-7766, while existing mortgage customers can use 1-800-585-9055. Lost or stolen card and unauthorized-transaction concerns should be treated as urgent and reported using 1-866-820-8875. Using the correct line reduces the chance of being transferred repeatedly between teams.
For an unresolved issue, ask the representative to open or escalate a formal member-service case. Keep copies of statements, transaction histories, loan documents, payment confirmations, and secure messages. If the matter involves hardship, PenFed provides separate Consumer Credit Workouts and Mortgage Loss Mitigation teams, which can be more effective than ordinary Member Services for borrowers facing payment difficulty.
PenFed Headquarters & Corporate Office Address
Current Headquarters
Pentagon Federal Credit Union
7940 Jones Branch Drive
McLean, VA 22102
United States
PenFed’s current careers information describes its headquarters as being in Tysons, and its current official service-fee and disclosure documents use 7940 Jones Branch Drive, McLean, Virginia. Tysons is located within the McLean postal area, so these descriptions are consistent rather than conflicting.
Alexandria Operations Address
Pentagon Federal Credit Union
2930 Eisenhower Avenue
Alexandria, VA 22314
United States
This is an important current PenFed operational address used for wire instructions, consumer-credit workouts, and certain mortgage/trustee functions. It should not automatically be substituted for the Tysons headquarters address.
General Member Mailing Address
PenFed Credit Union
Box 1432
Alexandria, VA 22313-2032
United States
Additional Processing Mailing Address
PenFed Credit Union
Box 247009
Omaha, NE 68124-7009
United States
This address is used for various processing and loan-payment functions and is not the corporate headquarters.
How to File a Complaint Against PenFed
PenFed complaints can involve deposit accounts, card transactions, loan servicing, mortgages, fees, credit reporting, account restrictions, fraud claims, unauthorized transactions, hardship assistance, or customer-service experiences. Gather statements, transaction records, loan documents, payment confirmations, screenshots, secure messages, and previous case information before beginning the escalation process.
Step 1: Contact Customer Service
Start with PenFed Member Services at 1-724-473-6333 or the appropriate product-specific line. Explain the issue clearly, provide relevant dates and transaction details, and ask the representative to document the complaint. For deposit or card matters, 1-877-856-9690 may be the more direct route. Keep the representative’s name and any reference number provided.
Step 2: Contact the Relevant Department
Use the product-specific team when the complaint concerns a mortgage, home-equity account, card, auto loan, wire transfer, or unauthorized transaction. Mortgage servicing uses 1-800-585-9055, while unauthorized card activity should be reported to 1-866-820-8875. Customers experiencing financial hardship should use the dedicated Consumer Credit Workouts or Mortgage Loss Mitigation channels.
Step 3: Request Supervisor or Management Review
If the initial representative does not resolve the matter, ask for a supervisor or higher-level member-service review. Explain what has already been attempted, reference the original case, and provide a clear requested resolution. Maintain a chronological record showing each contact, the response given, and any promised deadline.
Step 4: Use PenFed’s Written Complaint Channel
Use secure online messaging or the specialized document-upload process when the complaint requires supporting evidence. For hardship matters, PenFed specifically provides secure uploads and dedicated email channels such as consumercreditworkouts@penfed.org and MortgageLossMitigation@PenFed.org. Written records are especially valuable for disputes involving payments, loan terms, credit reporting, or transaction authorization.
Step 5: Contact Corporate Headquarters
For serious unresolved concerns, written correspondence can be directed to Pentagon Federal Credit Union, 7940 Jones Branch Drive, McLean, VA 22102. Include the minimum necessary account-identifying information, previous case numbers, dates, and a clear timeline. Attach copies rather than original financial documents and retain proof of mailing.
Step 6: Use the Specialized Complaint or Dispute Department
Mortgage borrowers should use mortgage servicing or loss mitigation, while card and checking-account fraud should be directed to the security line. If the complaint concerns a specific payment, wire, or vehicle-loan payoff, use the dedicated processing address or product contact shown in PenFed’s current Contact Us page. This can help the complaint reach the operational team that can actually correct the account.
Step 7: File With the Appropriate Regulator
Because PenFed is a federally chartered credit union, the National Credit Union Administration (NCUA) is an important regulator. Members with unresolved complaints may use the NCUA Consumer Assistance Center when the matter falls within its authority. The Consumer Financial Protection Bureau (CFPB) can also accept qualifying consumer financial complaints involving mortgages, credit cards, loans, deposit accounts, and other financial products.
Step 8: Use Consumer Protection or Financial Dispute Options
Depending on the issue, members may also dispute inaccurate credit reporting with the consumer reporting agencies, use applicable card-dispute rights, or contact a state Attorney General or consumer-protection office. Keep PenFed’s written response, statements, disputed transaction details, and previous complaint confirmations because external reviewers generally need evidence showing what was already attempted.
Step 9: Consider Formal Legal or Arbitration Procedures
If regulatory and internal escalation do not resolve a significant financial dispute, review the agreement governing the specific account, card, loan, mortgage, or service to determine applicable arbitration, notice, venue, or litigation provisions. Because different PenFed products can use different agreements, do not assume one dispute procedure applies to every account. Consider qualified legal advice when the dispute involves substantial financial loss, foreclosure, identity theft, or complex contractual issues.
