Credit union · NCUA insured
PenFed Credit Union
Top CarrotA $29.4B credit union, the 5th largest of 4,329, headquartered in McLean, VA, with 2.76 million members and 45 branches in 15 states. Best rates: CDs 3.50% and savings 2.70% APY.
PenFed Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#6 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PenFed Credit Union
Founded in 1935 as the War Department Federal Credit Union, the institution became Pentagon Federal Credit Union in 1947.
The member-owned federal credit union opened its membership to everyone nationwide in 2019.
- Headquarters
- 7940 Jones Branch Dr, McLean, VA 22102
- NCUA charter
- 227
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to everyone nationwide.
Branches
45 branches in 15 states
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Texas
10 branches
San Antonio area · 4
- Cibolo857 Cibolo Valley Dr, Suite 280, Cibolo, TX 78108Directions
- Alamo Ranch11988 Alamo Rnch, San Antonio, TX 78253Directions
- Encino Park22151 Bulverde Rd, San Antonio, TX 78259Directions
- Texas - San Antonio Service Center19500 Bulverde Rd, San Antonio, TX 78259Directions
Killeen area · 4
- Fort Hood761 Tank Battalion, Bldg 322, Fort Hood, TX 76544Directions
- Fort Hood Service Center761 Tank Battallion Ave, and 37th St, Bldg 322, Fort Hood, TX 76544Directions
- Harker Heights701 W Central Texas Expy, Harker Heights, TX 76548Directions
- Temple6935 W Adams Ave, Temple, TX 76502Directions
Dallas area · 2
- Dallas AAFESAAFES Headquarters, 3911 S Walton Walker Blvd, Dallas, TX 75236Directions
- DFW Mortgage Center6191 N State Highway 161 Ste 500, Irving, TX 75038Directions
Puerto Rico
7 branches
San Juan area · 4
- Fort Buchanan673 S Terminal Rd, Fort Buchanan, PR 00934Directions
- Puerto Rico Service Center7 Tabanuco St, Suite 170, Guaynabo, PR 00968Directions
- San Patricio7 Calle Tabonuco, San Patricio Office Center, Guaynabo, PR 00968Directions
- Humacao75 Triumph Plz Ste 100, Humacao, PR 00791Directions
Arecibo area · 1
- HatilloPlaza del Mar Shopping Center Bo Carrizales Rd 2KM 84.7 Lot C-3, Hatillo, PR 00659Directions
Mayagüez area · 1
- MayaguezPR-2 KM 149.5 Space A, Mayagüez, PR 00680Directions
Ponce area · 1
- PoncePlaza del Caribe 2050 Ponce By Pass Suite 424, Ponce, PR 00716Directions
Virginia
7 branches
Washington area · 6
- PenFed Corporate HQ-Tyson CornerMain office7940 Jones Branch Dr, McLean, VA 22102Directions
- Alexandria Service Center2930 Eisenhower Ave, Alexandria, VA 22314Directions
- Kingstowne5775 Barclay Dr Ste 6, Alexandria, VA 22315Directions
- Fort Belvoir9651 GUNSTON RD Bldg 1152, Fort Belvoir, VA 22060Directions
- Fort Myer108 MCNAIR RD Bldg 450, Fort Myer, VA 22211Directions
- Woodbridge14040 Central Loop, Woodbridge, VA 22193Directions
Virginia Beach area · 1
- Haygood4920 Haygood Rd, Virginia Beach, VA 23455Directions
District of Columbia
3 branches
- D.C. VA Medical Center50 Irving St NW, Washington, DC 20422Directions
- DOE Independence Ave.1000 Independence Ave SW, Washington, DC 20585Directions
- PentagonThe Pentagon - Corridor 10 Room 2D1043, Washington, DC 20301Directions
Nebraska
3 branches
- LaVista12434 Southport Pkwy Ste 800, La Vista, NE 68128Directions
- Omaha-Fort Street13220 Ft St, Omaha, NE 68164Directions
- Nebraska-Papillion Service Center502 Fortune DR, Papillion, NE 68046Directions
New York
3 branches
Kiryas Joel area · 2
- West Point AAFES1204 Stony Lonesome Access Rd, West Point Exchange, West Point, NY 10996Directions
- West Point -Cadet Branch600 Thayer Rd, US Military Academy Bldg 600, Room 314 Taylor Hall, West Point, NY 10996Directions
New York area · 1
- New York - Penn Station Service Center131 W 33rd St, New York, NY 10001Directions
Florida
2 branches
Lakeland area · 1
- Bartow1790 N Broadway Ave, Bartow, FL 33830Directions
Crestview area · 1
- Fort Walton Beach1199 N Eglin Pkwy, Shalimar, FL 32579Directions
Georgia
2 branches
- Augusta Davis Road205 Davis Rd, Augusta, GA 30907Directions
- Fort Gordon201 3rd Ave Bldg 38200, Suite 189, Fort Gordon, GA 30905Directions
Hawaii
2 branches
- Fort ShafterBuilding 553, Fort Shafter, HI 96858Directions
- Honolulu4250 Radford Dr Bldg 63, Honolulu, HI 96818Directions
Guam
1 branch
- Hagatna Branch414 W Soledad Ave Ste 100, GCIC Building, Hagatna, GU 96910Directions
Maryland
1 branch
- King Farm Branch805 King Farm Blvd Ste 100, Rockville, MD 20850Directions
North Carolina
1 branch
- Pope Army Airfield803 Stiner Road, Building 415, Pope AAF, Fort Bragg, NC 28307Directions
New Jersey
1 branch
- East Windsor120 Windsor Center Dr, East Windsor, NJ 08520Directions
Pennsylvania
1 branch
- Scranton II201 Franklin Ave, First Floor, Scranton, PA 18503Directions
U.S. Virgin Islands
1 branch
- TuTu Park4605 Tutu Park Mall, Ste189, St Thomas, VI 00802Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.72% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.07% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.99% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio10.72%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.07%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.99%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of PenFed Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.