PenFed Credit Union Reviews 1,987

TrustScore 3.5 out of 5

3.4

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 460 reviews, most reviewers were somewhat happy with their experience overall. Customers frequently praise the staff for being professional, knowledgeable, and helpful, often highlighting positive interactions with customer service representatives. Many people appreciate the overall service, finding it efficient and satisfactory, with some noting smooth transactions and a positive banking experience compared to other institutions. However, some people were dissatisfied with payment processing, reporting issues like delayed payments, incorrect application of funds, and difficulties with auto-pay settings. There are also concerns regarding customer service and contact, with some reviewers experiencing long wait times, disconnections, and a perceived lack of transparency or support when issues arise.

What people talk about most

Customer service

Reviewers mention ambiguous feedback about customer service. Many customers express significant... See more

Staff

Users describe positive interactions with staff. Many customers praise the professionalism, knowledge, and... See more

Service

People report ambiguous experiences with service. Many customers express significant frustration, citing... See more

Payment

Customers consistently note negative experiences with payment. Many reviewers report issues such as hidden... See more

Customer communications

Clients share ambiguous opinions on contact. Many reviewers report significant frustration with customer... See more

Reviews shaping this summary

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

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

PenFed is the best bank I ever had! They immediately help you solve your fees by eliminating them if needed allowing me to put my money on my late bills instead of late payments!! I have been a mem... See more


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

3.4

Average

TrustScore 3.5 out of 5

2K reviews

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

Hasn’t replied to negative reviews

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Advertisement
Rated 1 out of 5 stars

After being a loyal customer for 50 years, I don't feel valued...

I called to get a better interest rate on an used auto loan. I think you should value customers like me that have been loyal for a very long time. I have a great credit history and was only offered a rate of 6.49% for 48 months. I then received an advertisement in the mail stating members can receive a rate of 4.99% and higher on used auto loans. I was definitely not happy based on my 50 years banking with PENFED and a flawless credit history and score. To add, I have multiple accounts with PENFED. I feel not valued as a customer and I called to see if they could change the terms if my loan. I was told, that was the best they could offer. Based on that, I will have to move some of my money away from PENFED to banks and credit unions that value my money and me as a customer.

October 2, 2025
Unprompted review
Rated 5 out of 5 stars

Excellent rep

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.

October 4, 2025
Unprompted review
Advertisement
Rated 5 out of 5 stars

Amazing

Amazing, banking institution, great customer service, great value. grear programs, an overall great banking experience!

October 3, 2025
Unprompted review
Rated 1 out of 5 stars

rocky beginnings

rocky start, but I’m continue through the motions and come back with my overall review.

October 2, 2025
Unprompted review
Advertisement
Rated 1 out of 5 stars

Stephanie is rude and arrogant

Representative talks down to members and explains what she can't do, with no offer to find ways to solve members problems. Veterans go elsewhere for your finances and insurance.

October 1, 2025
Unprompted review
Advertisement
Rated 5 out of 5 stars

Great service

Both people I talked with were very patient and knowledgeable.
They took there time with me and helped me look up some charges

September 30, 2025
Unprompted review
Rated 5 out of 5 stars

Wonderful experience.

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 need more Banks fascilities around the Island.

September 30, 2025
Unprompted review
Advertisement
Rated 1 out of 5 stars

Inconsiderate customer service

PenFed's fraud detection software disallowed a Zelle transfer that I attempted, with no explanation other than to "Try again later." So I kept trying. No success. Finally, I called PenFed and after being put on hold and disconnected twice, after over 1.5 hours on the phone, and after speaking to six PenFed staff, I got the transfer accomplished. PenFed wasted my time, and its own. I've been a PenFed customer for decades and I'm disappointed.

September 30, 2025
Unprompted review
Rated 5 out of 5 stars

Getting through to a "Customer Service…

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, patient, and, best of all, effective. She represents herself and PenFed in an exemplary manner.

September 30, 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