Original research
PenFed Credit Union personal loans: what to check before you borrow
What to check
PenFed Credit Union: the sources checked show no fee for making this loan. You still need to check interest and other charges. The legal lender listed in this record is Pentagon Federal Credit Union. Confirm the name and terms on your own offer. These facts describe the dated sample, not a promised rate or approval.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
- Published fee: 0%. Treatment: none.
- Legal lender: Pentagon Federal Credit Union offers the PenFed-branded unsecured personal loan and creates membership during the application for a guest applicant.
- State access: membership created state list not published.
- Still unclear from public sources: advertised apr min
These terms may not match your offer
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| What to check | Published information |
|---|---|
| Product | PenFed Personal Loan |
| Provider role | credit union |
| APR | We could not confirm this |
| Origination fee | 0% |
| How the fee is charged | none |
| Loan amount | up to $50,000 (minimum not confirmed) |
| Loan length | up to 60 months (minimum not confirmed) |
| State or access rule | A guest can apply and PenFed creates membership during the application; state-specific availability is not enumerated on the checked page |
With no origination fee, the loan amount can match the cash you get
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| Cash you need | Fee basis | Fee rate | Loan amount | Fee removed | Fits published range? |
|---|---|---|---|---|---|
| $5,000 | no fee variant | 0% | $5,000 | $0 | We could not confirm this |
| $10,000 | no fee variant | 0% | $10,000 | $0 | We could not confirm this |
| $20,000 | no fee variant | 0% | $20,000 | $0 | We could not confirm this |
This brand makes the loan itself
Brand or platform: Pentagon Federal Credit Union
Legal lender: Pentagon Federal Credit Union
Servicer: Pentagon Federal Credit Union
Pentagon Federal Credit Union offers the PenFed-branded unsecured personal loan and creates membership during the application for a guest applicant.
Public borrower data describes a group, not you
Where the evidence centers: prime center. Evidence type: mixed portfolio fico distribution. Confidence: medium.
At year-end 2025, 73.60% of PenFed's Other Consumer term-loan balances had current FICO above 700; the share was 92.69% for the 2025 vintage.
People covered: PenFed Other Consumer term-loan balances. Period end: 2025-12-31.
Most funded-loan records cover a limited group or period
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| People or loans covered | Comparison class | Scope | Period end | APR | Why it stops |
|---|---|---|---|---|---|
| mixed product total | C | All Other Unsecured Loans/Lines of Credit reported to NCUA | 2026-03-31 | Not reported | NCUA account 397 combines personal loans with other unsecured loans and lines of credit. The reported interest rate is not APR and cannot be compared with the consumer shelf APR. The average outstanding balance is a Rung division of reported balance by reported loan count and is not an original loan amount. |
| mixed product total | C | Other Consumer term loans held by PenFed at year-end 2025 | 2025-12-31 | Not reported | Other Consumer is not isolated to the current PenFed Personal Loan product. The distribution is by outstanding balance, not borrower count or origination volume. The 701-plus shares are Rung calculations from the source table and are not approval thresholds. |
Your state or membership can change the answer
A guest can apply and PenFed creates membership during the application.
Public map status: membership created state list not published. Named as included: We could not confirm this. Named as excluded: We could not confirm this.
No named state-specific rule is recorded in the reviewed sources.
Confirm every answer the public pages leave open
- advertised apr min
- advertised apr max
- loan amount min
- exact term options
- term months min
- direct pay available
- representative example
- full state matrix
- complete availability list
- state-specific amount, term, or pricing rules
- current public APR range
- Pentagon Federal Credit Union: Personal Loans: Rates & Pre-Approval. official product page; checked 2026-09-05. Product page, FAQs, and disclosures; amount ceiling, term ceiling, fees, inquiry stages, membership creation, automatic-payment discount, and missing dynamic rate fields
- National Credit Union Administration: March 2026 Call Report Quarterly Data. regulator; checked 2026-09-05. FOICU and FS220/FS220A/FS220B; charters 67955 and 227; accounts 522, 397, and 994 for All Other Unsecured Loans/Lines of Credit weighted rate, balance, and count
- Pentagon Federal Credit Union: 2025 Annual Report. official investor release; checked 2026-09-05. Page 48, Note 5; Other Consumer term-loan balances by current FICO band and vintage
- Pentagon Federal Credit Union: Member Benefits. official product page; checked 2026-09-05. Membership and personal-loan application disclosures; everyone may apply and guest membership is created during the application
Dataset personal-loan-funded-cost@2026-09-05.collection.3. Snapshot September 5, 2026. No independent reviewer is credited.
Check the next part of your offer
Use your current agreement as the final record.
Confirm your APR, fee, cash received, payment, total repayment, loan length, legal lender, and state rules.