• Welcome to PenFed

    Where members do better.

    Information for transitioning Valor Credit Union members.

    Frequently Asked Questions  

    Your New Account

    See what you will need to know about your account starting April 1st:

    Direct deposits and automatic transfers will go into your PenFed account(s).
    In order to set up future transfers between institutions, PenFed’s routing number is: 2560-7844-6. 
    Begin using your Access America Checking checks, debit card, or ATM card with PIN.
    Questions? Call Member Service at 855-278-1154

    PenFed Products

    You now have access to all PenFed's great rates and innovative products.

    Auto LoansAuto Loans  
    AccessAmerica CheckingAccessAmerica Checking  
    Credit CardsCredit Cards  

    Auto Loans

    Any auto loans that you had prior to April 1, 2017, will remain the same with the exception of the account number, which will be included on your first PenFed statement.

    See all of our low-rate auto loans.  


    PenFed offers an innovative variety of fixed and adjustable rate mortgages. Explore buying or refinancing by clicking the button below.

    Learn more about our mortgage options.  

    Access America Checking

    If you had a Valor Credit Union checking account, PenFed checks will be sent to you in the weeks before April 1, 2017. You can begin using your PenFed checks on April 1st. Your last Valor Credit Union statement should be mailing in early April.

    Discover Access America Checking.  

    Credit Cards

    For current cardholders, PenFed will issue you an award-winning credit card in April. Until then, your existing Valor Credit Union credit cards will continue to work as it always has.Learn more about all of our award-winning credit cards.