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Last updated: December 5, 2016

Welcome, and thank you for visiting PenFed. Please read the following Terms of Use carefully as they govern your use of the PenFed website (herein referred to as “Website”).

By accessing the Website, you agree to be bound by these Terms of Use, and accept them in their entirety. Please note that PenFed may change the Terms of Use from time-to-time without notice to you.

Loan Registrations and Applications

In some places on the Website, you may be required to register on the PenFed website.  When registering or applying for a loan on the Website, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, PenFed has the right to terminate your loan registration and/or application, and to decline to provide any and all future use of the Website.  We reserve the right to decline your application for a loan.

You must securely keep your assigned user names and passwords.  You must not disclose your user name and password to any third party.  In the event of any unauthorized use of your user name or password, you must notify PenFed immediately at, or by calling 202-888-4320.

Information & Content Sharing

In some places on the Website, you may be required to share content or information, including, but not limited to, your name, email address, or other information that you provide via the Website, with other users of the Website.  By sharing information or content on the Website, you agree to grant PenFed a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any information or content that you post on or in connection with your use of the Website, subject to the privacy provisions in our Privacy Policy.  You understand that deleted content or information may continue to exist on our servers that we maintain for our own use.  You will not post content or take any action on the Website that may constitute libel or slander, infringes or violates someone else's rights, that is protected by any copyright or trademark, or otherwise violates the law.  Content and information that you share will be available to other users of our Website. You understand that such third parties may access, use, store and transfer such content and information and to associate it with you.

Liability Limitations

You agree that all access and use of the Website and its contents is at your own risk. In no event shall PenFed be held liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with the Website or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if PenFed, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

No Warranties

PenFed attempts to provide the most accurate information on the Website.  However, PenFed does not warrant the accuracy, representation, or endorsement of the information provided herein and expressly disclaims liability for any errors or omissions in such information. Use of the Website and its content is at the sole risk of the user.  Please note that there are tools on the Website that provide you with estimates, and the estimates provided may be different than their actual amounts.

External Links

The Website may contain links to websites controlled by third parties that are not managed by PenFed.  PenFed does not operate or control any information, products, or services on, nor endorse nor approve any products, services, or information offered at those sites.  Your access to and use of such third party websites is at your own risk.

In addition, the Website may contain links to websites maintained by non-affiliated third parties. Such websites may have Terms of Use, Privacy Policies, or security practices that are different from those of PenFed. PenFed does not endorse or recommend, and hereby disclaims any liability for, any information or products offered at such third party websites.

Privacy Policy

PenFed does collect certain information about you as you use the Website.  For more information about the type of information collected, and how we use it, please review our Privacy Policy.


Unless otherwise stated, PenFed owns the copyright on all content and information of this Website, including the text, graphics, icons and overall appearance of the Website.  They are the sole and exclusive property of PenFed.  You agree to not reproduce, duplicate, copy, resell, sell, or use for any commercial purposes. 

Applicable Law

These Terms and Conditions shall be governed by and construed in accordance with the law of the Commonwealth of Virginia, without regard to the conflict of laws thereof, and to the laws of the United States.


You may contact PenFed by email,, by phone at 202-888-4320, or by mail to Pentagon Federal Credit Union, 2930 Eisenhower Avenue, Alexandria, VA 22314, Attention: PenFed Website Services, with any questions or issues with the Website.

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