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Patriot Bank vs. PenFed Credit Union Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Online Banking

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Personal Loans

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Car Loans

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Student Loans

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Online Banking

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Online Banking drop-down-btn
Good For
Excellent APY. Low Fees.
Good For
Managing Your Money Made Easy
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
Pros
  • Dependable institution
  • No ATM fees
  • Account fees are easily avoided
Pros
  • Great APYs
  • Low-cost structure
  • Access to 85,000+ no-fee ATMs
Cons
  • cons No live chat
Cons
  • cons High minimum for CDs
Min Deposit
$100
Min Deposit
Min APY Checking
0.01
Min APY Checking
0.15
Min APY Savings
0.01
Min APY Savings
ATM Network
16,000
ATM Network
85,000+
Maintenance Fee
$7
Maintenance Fee
Personal Loans drop-down-btn
Good For
Quality Service by a Top Organization
Min Credit Score
690
APR

8.49-17.99%

Loan Amount

$600-$50K

Lender Type
  • Direct
Loan Type
  • Unsecured Personal Loans
Loan Purpose
  • Debt Consolidation
  • Home Improvement
  • Medical Expenses
  • Other
Repayment terms
6 months to 6 years
Soft Credit Pull
Yes
Pros
  • Fast funding time
  • Great reputation
  • Low-fee loans
  • Wide range of term lengths
Cons
  • cons You need to be a PenFed Credit Union member to get a loan
  • cons Doesn’t disclose all eligibility requirements
Not provided

Service isn't provided

Car Loans drop-down-btn
Good For
Save with low car loan rates
APR

5.19-6.99%

Repayment terms
36-84 months
Min Credit Score
620
Loan Amount

$500-$150K

Lender Type
  • Direct
Prepayment Fee
None
Refinance APR

Min 5.2%

Soft Credit Pull
Yes
Pros
  • APRs as low as 0.99% for new cars when you use PenFed’s TrueCar service
  • Lowest rates for 36-month loans among competitors
  • Loan amounts as low as $500
  • Offers free credit score check
Cons
  • cons Must be a U.S. citizen or permanent U.S. resident to become a member
  • cons Low interest rates reserved for members with excellent credit
  • cons Late payments may incur a 20% charge
Not provided

Service isn't provided

Student Loans drop-down-btn
Good For
85+ Years of Experience
Min Credit Score
670
Loan Amount

$8K-$500K

Fixed Rate
7.74-9.93%
Variable Rate
2.17-4.47%
Funding Time
10 days
Loan Type
  • Private student loans
  • Student loan refinance
Soft Credit Pull
Yes
Pros
  • Joint refinancing available for married couples
  • Good interest rates
  • The lender has a reputable standing
Cons
  • cons Bachelor’s degree is a minimum requirement
  • cons Some negative customer support reviews
  • cons No longer terms available for max loan
Not provided

Service isn't provided

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