PenFed Login: How To Manage Your Account

PenFed Online provides easy and convenient access to your accounts. If you have a PenFed Online Account, You can login to PenFed Online anywhere now on This post contains the necessary steps required to access and manage your account online on the PenFed Login portal.

This article provides steps for restoring access to your PenFed Online accounts, use of a One-Time Passcode, and tips for improving your PenFed Mobile experience. Note: You must have an online account before thinking about logging in, If you are a new user kindly folow the steps below to enroll in PenFed Online.

How to Enroll in PenFed Online

Learn about enrolling in PenFed Online as well as username and password requirements. Once you’ve signed up, you can download the PenFed Mobile app for on-the-go access to your PenFed accounts

PenFed Online is the online banking system which allows you to easily access your accounts. If you are not yet a member, see How to Establish Membership.

To begin enrolling in PenFed Online, go to You will need either your Social Security Number or PenFed Member Number (not both), and your date of birth. 

  1. Click the Log In button in the upper-right corner of the website, then click the Create an online account link.
  2. Click Let’s Get Started.
  3. Type your Member Number or Social Security Number, and then enter your Date of Birth.
  4. Click Continue.
  5. Once prompted, verify your identity by completing the one-time-passcode step.
  6. Select your user name and password and click Continue.

You should receive a success notification. Click Log In to navigate to the main menu of PenFed Online.

Username and Password Requirements: Usernames must be 6 to 16 characters and contain no spaces. Usernames are not case sensitive.

Passwords must:

  • Be 8 to 16 characters
  • Contain no spaces
  • Contain at least one uppercase letter, one lowercase letter, and one number
  • Contain at least one acceptable symbol (! # $ % * _ / ? @ -)

Similar Post: How to Access Your PenFed Credit Card Account

PenFed Login Steps

If you already have an PenFed online account or just created it now, you may access it at any time. It’s simple to log in to your online account, and you’ll need your login information just like on other online platforms. To log into your online account, follow these simple steps:

PenFed Login

To log in, go to

  1. Then, type your username.
  2. Type your password and click Log In.

To log out and return to the login page, click Log Out in the upper-right corner. 

Login Troubleshooting: If you need help logging in, have forgotten your username or password, or are locked out of your PenFed Online account, see PenFed Online and Mobile Login Assistance.

If you are still unable to log in, or cannot reset your password, contact them for additional assistance. 

How to Make Payments

This section provides steps for paying your loans, credit cards, and mortgages in PenFed Online or the PenFed Mobile App. After making a payment, you should receive an email or message center confirmation with your payment information. 

1: Loans

  1. Log in to PenFed Online.
  2. Click the Transfers tab.
  3. Click the Make a Loan Payment box.
  4. Set the amount, frequency, and other payment options. 
  5. Click Continue.
  6. Review the payment details and click Submit.

2: Credit Cards

  1. Log in to PenFed Online.
  2. Scroll down to your account and click Make Payment.
  3. Set the amount, frequency, and other payment options. When entering your own payment amount, you can pay up to 110% of the current balance.
  4. Click Continue.
  5. Review the payment details and click Submit.

Automatic monthly payments will be applied to your balance on the last day of your billing cycle—also called the Statement Date. If you established the recurring payment prior to your due date, you will not incur a late fee, even if the automatic payment is applied after the due date.

On the My Accounts screen, your Due Date is listed above the Make Payment button. To view your Statement Date, click the dropdown arrow next to More account info and actions. 

Credit Card Payment Troubleshooting:

  • For new credit cards, the Make Payment button will not appear until after the card’s first statement cycle date.
  • The system will not accept one-time payment submissions while another one-time payment is in process. Once the payment increases your available credit, you will be able to submit another one-time payment.
  • When creating a recurring payment, PenFed Online uses a monthly option and automatically selects the payment date to account for all transactions.

3: Mortgages and Home Loans
To pay mortgages and home equities:  

  1. Log in to PenFed Online.
  2. Scroll down the Home page and find your account.
  3. Click the View Account Details button to navigate to the mortgage and home loan dashboard.
  4. Click Payment Information and follow the prompts.

4: PenFed Mobile

  1. Tap the Menu icon (☰).
  2. Tap Loan Payments, then tap Make Payment, or tap Credit Card Payments, then select the card you want to pay.
  3. Select the payment details, such as the accounts making and receiving the payment, amount, and frequency.
  4. Tap Continue to review your payment details.
  5. Tap Make Payment to complete the payment.

5: Mailed Payments
To mail a payment for your loan or credit card, please send a check to one of the following addresses. Write the full account number on the check, payment coupon, or transaction voucher. PenFed cannot accept cash payments by mail.

Box 1400
Alexandria, VA 22313-2000

Credit Card
PO Box 247080
Omaha, NE 68124-7080

Mortgage or Home Equity Loan

PO Box 679260
Dallas, TX 75267-9260

For any non-mortgage or home equity loan.

Additional Information

  • To make payments using an external account, you must first link the external account in PenFed Online.
  • To edit a future-dated payment or recurring payment you established, see How to Edit Payments for instructions.
  • If you want to make a principal-only payment or a payment on another member’s account, contact PenFed.

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