Overview

Pentagon Federal Credit Union is the second-largest credit union in the US with a strong military focus. They process SCRA requests efficiently.

Contact Information
Member Services
1-800-247-5626
Mailing Address
PenFed Credit Union
P.O. Box 1432
Alexandria, VA 22313

Eligible Products

PenFed Credit Union offers SCRA benefits on the following products when the account was opened before your active duty service began:

  • Credit Cards: All PenFed credit cards
  • Mortgages: Home loans and refinances
  • Auto Loans: Vehicle financing
  • Personal Loans: Personal loans and lines of credit

How to File Your Claim

  1. 1

    Log Into PenFed Online

    Access your account and navigate to member services.

  2. 2

    Submit Orders

    Upload or mail your military orders.

  3. 3

    Request Benefits

    Complete the SCRA request for all accounts.

Required Documents

Document Checklist
Military Orders — Showing active duty start date

Processing Time

PenFed Credit Union typically processes SCRA requests within 14-21 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, PenFed Credit Union will calculate all excess interest paid since your service start date and issue a refund, typically as a statement credit or check.

Tips for Success

Pro Tips
  • PenFed understands military needs well
  • Use online banking for fastest processing

Get the 6% Rate Cap — We File for You

We handle the paperwork, calls, and follow-ups. One $59 filing covers PenFed Credit Union and all your other lenders.