PenFed Credit Union Reviews 1,986

TrustScore 3.5 out of 5

3.4

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Review summary

Created with AI, based on recent reviews

Looking at 461 reviews, most reviewers were somewhat happy with their experience overall. Customers frequently highlight the helpfulness and professionalism of the staff, noting that employees are often knowledgeable and provide excellent service. Many people appreciate the smooth and efficient transactions, with some describing their interactions as positive and customer-friendly. However, some people were dissatisfied with the payment processes, reporting issues with how payments were applied and unexpected fees. There were also instances where customers experienced difficulties with customer service, including long wait times, being disconnected, or not receiving clear answers to their inquiries.

What people talk about most

Customer service

Users describe ambiguous interactions with customer service. Many customers report negative experiences,... See more

Staff

Clients share positive opinions on staff, frequently highlighting their professionalism, knowledge, and... See more

Service

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

Payment

People report negative experiences with payment. Many customers express frustration with issues such as... See more

Customer communications

Customers consistently note ambiguous experiences with contact. While some reviewers praise employees as... 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

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Hasn’t replied to negative reviews

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Rated 5 out of 5 stars

My experience with PenFed was customer…

My experience with PenFed was customer friendly. Customer service is critical to me, and I received excellent customer service. The presentative listened attentively and we were able to satisfy the reason for the call. This is just one of the successful transactions I've had with PenFed.

29 October 2025
Unprompted review
Rated 5 out of 5 stars

PenFed Rep Helpful

The PenFed Representative was very helpful and attentive. Listened to my problem and together we resolved my account issue. Got it done quickly. Very professional .

31 October 2025
Unprompted review
Rated 1 out of 5 stars

Bad customer service- di d not notify me they had decrease my credit limit

Did not notify me they had decrease my credit limit a few days ago. Penfed reduced my credit limit without notifying me. As a result, an automatic payment from this account to an outside creditor was returned. This caused the payment to be late and resulted in a fee to me. Really shocked at how Incredibly sneaky and irresponsible. I called and there was not explanation for not having notified my at the time of the decision. Complete dismissive and just read some jargon that did not excused their negligence to notify me in a timely manner.

30 October 2025
Unprompted review
Rated 1 out of 5 stars

This company is all wrong.

This company is all wrong. Pen Fed Credit Union is awful. They offered and approved me for a credit card with great credit and also a Veteran and they gave me the runaround. I am so mad because this has happened to me three times over three years. I wouldn’t be so mad about it, but it cost me credit score points and hard inquiries. If you only knew the whole story, you would really understand why I am so angry. I have closed all my accounts that I quit using some time ago. Navy Federal Credit is an excellent choice.

28 October 2025
Unprompted review
Rated 1 out of 5 stars

I have three loan application notations…

I have three loan application notations on my home page that are weeks overdue in being removed. I did not accept any of these loan proposals. After patiently waiting for the loan notations to disappear, and I was previously told that they would disappear in ten (10) workdays, I called yesterday and they still appear on my homepage of my Pentagon Federal Credit Union account. Why? This should have been corrected immediately. I do not understand this poor service after 25 years of membership with the Pentagon Federal Credit Union.

27 October 2025
Unprompted review
Rated 5 out of 5 stars

Tessie at the call center in Nebraska

Tessie at the call center in Nebraska, so full of positive energy, extremely knowledgeable. She was a real treat to talk to, and she helped me in a short amount of time. She’s definitely a valuable employee….

28 October 2025
Unprompted review

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