Pentagon Federal Credit Union credit card terms
Credit union · 6 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Pentagon Federal Credit Union reported a surveyed purchase APR of 17.99% (median 17.99%) to the CFPB Terms of Credit Card Plans survey, across 6 products. As a credit union, its cards are capped at an 18% APR by federal law. Annual fees on surveyed cards: $95. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Pentagon Federal Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 17.99% |
| Median purchase APR | 17.99% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 17.99% |
| Annual fee | $95 |
| Late fee (median) | — |
| Secured card offered | Not reported |
| Products surveyed | 6 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Pentagon Federal Credit Union did not report that field in the survey.
How Pentagon Federal Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Pentagon Federal Credit Union's median of 17.99% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Pentagon Federal Credit Union (this issuer) | 17.99% | 17.99% | $95 |
| Communityamerica Federal Credit Union | 11.99% – 18% | 17.99% | — |
| Georgia'S Own Credit Union | 17.74% – 17.99% | 17.99% | — |
| America First Federal Credit Union | 14.99% – 18% | 18% | — |
| Service Federal Credit Union | 17.65% – 18% | 17.83% | — |
| Bellwether Community Credit Union | 12.99% – 25.24% | 17.56% | — |
| Elevations Credit Union | 11.74% – 21% | 18.42% | $49 |
Communityamerica Federal Credit Union · Georgia'S Own Credit Union · America First Federal Credit Union · Service Federal Credit Union · Bellwether Community Credit Union · Elevations Credit Union
Frequently asked questions
What is Pentagon Federal Credit Union's credit card APR?
Pentagon Federal Credit Union reported a purchase APR of 17.99% to the CFPB Terms of Credit Card Plans survey (median 17.99%), across 6 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Pentagon Federal Credit Union charge an annual fee?
Pentagon Federal Credit Union's surveyed cards carry an annual fee of $95. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Pentagon Federal Credit Union a good choice for a low APR?
Pentagon Federal Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (17.99%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Pentagon Federal Credit Union (Pentagon Federal Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29