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You’re smart,
you know how to
f_ind the best
deal!
Low Balance Transfer Rate*
5.99
% APR
for the life of any balance transfer
Ñ No annual fee
Ñ No cash advance fee
Market Leading Mortgage Rates
Ñ We pay most lender’s fees

Ñ Free 90-day rate lock when we receive your contract
New and Used Auto Loans
4.75
% APR
when you apply online
The preferred f_inancial
provider of members of
Find us online at
PenFed.org/MOAA
or call 800-616-6600
Federally insured by NCUA. All offers are valid as of January 1, 2009 and are subject to change. To receive advertised product you must become a member of Pentagon Federal Credit Union (PenFed) by opening
a share (savings) account. *BALANCE TRANSFER RATE will have an Annual Percentage Rate of 5.99%; monthly periodic rate of 0.499%. A balance transfer fee of 2.5% (minimum $10–maximum $100) applies to
this transaction. Rate shall remain in effect on the transferred balance(s) until it is paid in full—if you are in default at any time the 5.99% APR will revert to your Default APR. Payments will be applied
to the account balance in the order determined by PenFed in its sole discretion. The regular APR for purchases or cash advances (revolving balances) and the APR for prior promotional balances
remains unchanged. Balance transfers are treated as cash advances, therefore there is no grace period and finance charges accrue from the date the transfer is posted to your account. Balance transfers of other PenFed loans
are not eligible for this promotion. This promotion is subject to change or termination at any time and without prior notice. †MORTGAGE RATES: PenFed pays credit report, flood search, tax set up and appraisal fees. We pay
settlement attorney fees if one of our preferred settlement providers is used. Other terms and conditions for closing costs apply; please contact a mortgage representative for details.
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