Pentagon Federal Credit Union

Pentagon Federal Credit Union is one of the largest credit unions in the United States. This credit union offers low interest credit cards to members throughout the world.

Pentagon FCU offers a variety of credit cards, all with interest rates which are considered quite low by industry standards. Credit cards offered by this credit union include traditional credit cards, rewards cards, and cards for students.

The Visa Gold credit card is a suitable credit card for someone who wants a card with a low interest rate, no annual fee, and no extra fees tacked on for things like cash advances and balance transfers. Like the other Pentagon FCU credit cards, the Visa Gold is not available to members with a low credit score. Members with blemished credit histories will be steered toward a secured credit card and encouraged to build their credit back up before applying for unsecured credit cards.

Pentagon FCU offers rewards cards for gas purchases in addition to travel point cards. Although the interest rates for reward cards through Pentagon FCU are higher than the interest rate for the Visa Gold card, the interest rate is still lower than most rewards cards offered through other lenders. Neither reward card features an annual fee, which is also an exception to other rewards cards on the market.

The credit cards designed for use by college students feature low interest rates and a smaller available balance than the other credit cards. The credit card can be the sole responsibility of the student, or it can be secured by the student's parents. Whether the credit card is applied for jointly or as an individual account, the student builds up a credit history by using the card.

Since Pentagon Federal Credit Union is collectively owned by the members and is a non-profit financial institution, they are able to offer the best interest rates possible for their credit cards. If you do not belong to Pentagon FCU, but are in the market for a credit card, you may want to check with a credit union in your neighborhood to compare the interest rates. Credit unions are notorious for offering great interest rates on all their products.

In order to receive a credit card through Pentagon Federal Credit Union, the applicant must already be a member. Membership is designed to accommodate military members and people affiliated with the military, with no geographic restrictions for membership. Since Pentagon FCU often offers desirable credit card interest rates which are frequently advertised in the mainstream media, many non-military people try to find ways to join the credit union and apply for one of the credit cards. Membership is also open to:

• Any employee within the Pentagon building, regardless of position
• Anyone with a family member or roommate who is a member or eligible to join
• Any members of eligible organizations

There are organizations which have open membership to anyone, and membership into these organizations grant eligibility into Pentagon FCU membership regardless of military affiliation. If you are interested in joining Pentagon FCU but are not otherwise eligible, you can join the National Military Family Association and become immediately eligible for membership with Pentagon FCU. Once you have your Pentagon Federal Credit Union membership in place, you can apply for a credit card account.

This process is not nearly as complicated as it may sound. By calling a member service representative at (800) 247-5626 you can apply for membership into NMFA, apply for membership to PFCU, and then apply and get approved for a credit card, and accomplish this all in a single phone call.

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