GAP - Guaranteed Asset Protection

  • Protection for your auto loan investment
  • Includes complimentary ADR Benefit
  • Priced lower than similar protection sold by car automobile dealerships
  • Finance with your PenFed Auto Loan

Mechanical Breakdown Protection

  • Bumper-to-bumper coverage for breakdowns
  • Includes 24-hour roadside assistance
  • Reduces out of pocket expenses for unexpected repairs
  • 60 Day No-Cost Cancellation
  • Finance with your PenFed Auto Loan

Car Buying Service

  • $ average savings off MSRP on new cars
  • Exclusive % APR for 36 months
  • PenFed member discounts on Mercedes-Benz vehicles
  • Free Carfax Reports & Buyer’s Bonus Package
  • Free TrueCar Price Reports

Auto Insurance Program

  • Get exclusive savings on car insurance not available to the general public
  • Benefit from up to 15 money-saving discounts
  • Choose package and coverage options to meet your needs


Seguros Multiples

  • For PenFed Members in Puerto Rico, with an exclusive phone line for customers and claim services
  • Save up to 20% on auto insurance premiums, plus competitive quotes on home insurance

National Car Rental

  • Special offer for PenFed members when you pay with your PenFed card
  • Save up to 20% off car rentals at National

NTB, Big O Tires, Tire Kingdom, Merchant’s

  • $7 off oil change
  • 10% off tires
  • Logon for more
Log-In for Discounts

Join PenFed today to take advantage of discounts, great loan rates, and so much more!

Follow these easy steps to join:

1. Apply for membership

2. Open a savings/share account with only $5

3. Find discounts, great rates, and more!



  • PenFed members receive UP TO $20 OFF on TurboTax Federal Products

Collegiate Funding Solutions

  • Concerned about the absurdly-high cost of college?
  • Online college planning service helps you save ON, not just for college costs.
  • Simple to use - Free for PenFed members!


PenFed Real Estate Rewards

  • Save big using PenFed’s Real Estate Rewards program.

Home Insurance Program

  • Get exclusive savings on home, condo and renters insurance
  • Money-saving discounts, including multi-policy and loss free
  • Easy payment options through your PenFed checking or escrow account

PenFed Title, LLC

  • Close with confidence when you use PenFed Title, LLC.
  • Consistent, superior, & personal service in the title industry.

SimpliSafe Home Security

  • As a member, save big on the #1 expert pick home security.
  • 24/7 monitoring.
  • Receive a free home security camera and 2 free months of monitoring service!.

Total Protect Home Warranty

  • Protect your budget from the high cost of unexpected breakdowns.
  • Plans that cover up to 20 vital appliances and systems.
  • U.S.-based phone team available 24/7
  • Network of 40,000+ pre-screened technicians.
  • Discounts on name-brand appliances.



  • Financial literacy for young adults
  • Special rate for PenFed members


  • Eight online math courses for only $15 for four months.
  • Unleash the math power in every student.

Dental Benefits Max

  • Aetna Dental Access Network
  • Choose from over 92,000 dentists and specialists
  • No waiting period, no claim forms, no restrictions for prior conditions
  • Includes savings on prescription drugs, vision needs and more


  • Talk to a Board Certified physician anytime, anywhere, 24/7.
  • Avoid crowded waiting rooms .
  • No more time off work waiting to see a doctor.
  • Prescriptions filled to your local pharmacy.
  • No co-pays or deductibles.

Amex Offers

•  Find great offers on shopping, dining, travel and more through Amex Offers on CONNECT

• Once you’ve added an offer to your Card, simply use that same Card to pay and then enjoy the rewards

Starr Wright USA

Federal Employee Professional Liability Insurance & All the Consulting/Contractor Insurance Needed in One Place.

  • Access to industry leading Starr Wright USA insurance programs
  • Unique PENFED 10% Discount on Select Policies
  • Protect your income, career & family from today’s workplace challenges.
  • 50+ years’ experience with federal workers and contractors.
  • Special seasoned nationwide defense team.



  • Members who switch can earn up to $200 cash reward
  • $100 annual loyalty reward
  • 25% off select accessories in Sprint stores

Crutchfield Electronics

  • 7% off select merchandise
  • Logon for member-only link

Flowers from FTD

  • Get 15% off all orders.

Alpha Industries

  • Save 30% on purchases.
  • Logon for discount code.
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