Penfed Credit Union

In the heart of Harker Heights, the Pentagon Credit Union branch at 701 W Central Texas Expy is more than just a banking location—it’s a community cornerstone where your financial goals take shape. Open Monday through Friday from 9:00 am to 5:30 pm and Saturdays until 1:00 pm, this branch offers convenient ATM and drive-thru services, making deposits, withdrawals, and everyday transactions effortless. Whether you’re looking to take advantage of Pentagon’s best auto loans or explore competitive mortgage loans and refinancing options, the friendly team here is ready to guide you every step of the way.
Serving over 2.8 million members with assets exceeding $32 billion, Pentagon delivers a full spectrum of personal banking solutions including checking and savings accounts designed for your lifestyle, credit cards with rewarding perks, personal loans for debt consolidation, plus business banking services like merchant solutions and business loans to support local entrepreneurs. Enjoy secure online and mobile banking that puts financial control right at your fingertips.
Visit the Pentagon Credit Union branch in Harker Heights or call 254-374-0858 today to experience welcoming service and discover how our top auto loans and mortgage programs can accelerate your financial journey!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
heloc
Home Equity Line of Credit (HELOC)
7.375 % - 18 %
$500,000
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
30-Year Conforming Fixed
6.25 %
6.469 %
1.5
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal loan
8.99 %
5 Yrs
$50,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
Model Year 2024 or newer & never titled
3.79 % - 6.04 %
3 Yrs - 7 Yrs

Introduction

Welcome to Pentagon, your trusted financial partner located at 701 W Central Texas Expy, Harker Heights, TX 76548. Since our establishment in 1935, we have been dedicated to serving our growing community of over 2.8 million members with personalized banking solutions tailored to meet their needs. With total assets exceeding $32.7 billion, we are committed to providing you with a solid foundation for your financial journey. At Pentagon, we understand that every member's financial goals are unique. That's why we offer a variety of services, including personal banking accounts, auto loans, mortgages, and business banking solutions all designed to help you achieve your dreams. Our robust portfolio includes more than 1.5 million loans and leases, ensuring that we have options for everyone. Led by our CEO, James Schenck, and Board President, Edward Cody, our team is here to ensure that you receive exceptional service at every turn. We take pride in our community impact and strive to create lasting relationships based on trust and support. While members can visit us at 701 W Central Texas Expy, official correspondence should be sent to the same address for convenience. For any inquiries or assistance, feel free to reach out by phone at 254-374-0858 or visit our website at http://www.penfed.org. Join us today and discover the Pentagon difference where your financial well-being is our top priority!

Branch History & Mission

Pentagon Credit Union has a rich legacy that dates back to 1935, when it first opened its doors in Harker Heights, TX. Over the decades, we have grown from a small community-focused financial institution into a thriving credit union serving over 2.8 million members across the nation. Our commitment to providing exceptional service and support has been unwavering since our founding. Located at 701 W Central Texas Expy, Harker Heights, TX 76548, our branch is easily accessible and surrounded by local landmarks that make it a convenient stop for both residents and visitors alike. Whether you're heading to nearby parks or shopping centers, you'll find us right on your way. Our mission is simple yet powerful: to empower our members with the financial tools they need to succeed while fostering a strong sense of community. We believe in offering more than just banking services; we strive to create meaningful relationships with our members. Our offerings include personal banking accounts, auto loans, mortgage options, and business banking services tailored to meet individual needs. As part of our dedication to modernizing the member experience, we offer digital advancements such as online banking and mobile payments, ensuring that you can manage your finances conveniently from anywhere. We also prioritize accessibility with ADA-compliant facilities and a range of customer-centric initiatives designed to make banking easier for everyone. In addition to our core financial services, Pentagon Credit Union actively participates in community outreach programs aimed at supporting local organizations and initiatives. Our partnerships help strengthen the fabric of Harker Heights and beyond, making us not just a bank but a vital part of the community's success. For any official correspondence, please note that while members can visit us at 701 W Central Texas Expy, official mail should be sent to the same address for your convenience. We invite you to become part of our growing family at Pentagon Credit Union. Experience firsthand how we put our members first and contribute positively to our community. Visit us today or give us a call at 254-374-0858!

Branch Location & Accessibility

Call to Action

We invite you to stop by our Harker Heights location or give us a call at 254-374-0858 for any questions you might have. Your financial journey is important to us, and we're excited to assist you every step of the way!

Nearby Landmarks and Accessibility

You can easily find us near popular local spots, making it a breeze to fit banking into your day. The branch offers ample parking space for your convenience and features ADA-compliant accessibility options, including ramps for those who may need them.

Operating Hours and Services

Our lobby hours are from 9:00 AM to 5:30 PM, Monday through Friday, allowing you plenty of time during the week to take care of your financial needs. For those busy Saturdays, our drive-thru is open from 9:00 AM until 1:00 PM for quick and easy transactions. At the Pentagon branch, we provide a variety of personal banking services such as checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and more. If you're looking for business banking solutions or online and mobile banking options, we've got you covered there too! Need cash? Our ATM is available for withdrawals and balance checks whenever you need it.

Member Eligibility

At Pentagon, we believe that everyone deserves the opportunity to be part of a supportive community that prioritizes your financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in the area around 701 W Central Texas Expy Harker Heights Tx 76548, you're likely eligible to join us. We also welcome family members of current members, making it easy for your loved ones to enjoy our services. To get all the specifics about eligibility, feel free to check out our detailed criteria at . Joining Pentagon not only gives you access to a wide range of financial services like checking and savings accounts, auto loans, and mortgages but also connects you with a community that values personal relationships. Opening an account is straightforward; just give us a call at (254) 374-0858, and our friendly team will guide you through every step of the process. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our merchant services offer easy payment solutions that let you cater to customers seamlessly, whether they prefer credit cards, mobile payments, or cash transactions. This convenience not only enhances customer satisfaction but also helps streamline your operations. Located at 701 W Central Texas Expy Harker Heights Tx 76548, Harker Heights, TX 76548, we're here to help your business thrive. Reach out to us at (254) 374-0858 to learn how we can support your journey toward success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $564 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,632,399,984, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer business banking solutions including merchant services and business loans. We know how vital it is for businesses to have access to funds quickly, and we work hard to support local businesses with the resources they need to thrive.

Convenient Online & Mobile Banking

In today's busy world, convenience is key. That's why we provide robust online and mobile banking services. You can manage your accounts anytime, anywhere whether it's making payments, transferring funds, or checking balances all from the palm of your hand. Our ATM services make cash withdrawals simple and straightforward too.

Drive-Thru & ATM Accessibility

For quick transactions, our drive-thru service allows for deposits and withdrawals without leaving your vehicle. Additionally, with basic ATM access available at our branch, withdrawing cash or checking your balance has never been easier. At Pentagon, we're not just about transactions; we're here to build relationships and support our members' financial journeys every step of the way. For any inquiries or further information about our services, feel free to reach out by calling us at (254) 374-0858. Your financial success is our priority!

Home Sweet Home

For those considering homeownership, our mortgage loans and refinancing options make it easier than ever to secure the right loan for your needs. Whether you're buying your first home or refinancing an existing mortgage, our experts will guide you through each step, ensuring you feel confident in your investment.

Personal Banking Solutions

We understand that managing your finances can be complex. That's why we offer personal banking options such as checking and savings accounts that help you easily manage your money. Imagine having a checking account that fits your lifestyle no more worrying about fees or minimum balances. Our savings accounts are designed to help you grow your funds over time, giving you peace of mind for future plans.

Personal Loans & Credit Cards

Sometimes life throws unexpected expenses your way. With personal loans and debt consolidation options available at Pentagon, you can manage those costs effectively. Plus, our credit cards with rewards allow you to earn points on everyday purchases turning spending into savings!

Vehicle Financing Made Easy

If you're in the market for a new car or need financing for your existing vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture yourself driving off in your dream car without the stress of complicated loan processes. We simplify everything so that you can focus on what matters most enjoying your new ride.

Digital & Online Banking

Key Features

Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents securely without the hassle of printing and mailing them. You can also opt for e-statements to receive your account statements electronically keeping your information safe while reducing clutter. For those who prefer managing their finances on the go, our mobile application is available for download, making it simple to monitor your accounts directly from your smartphone. The app includes a mobile payments feature that lets you make purchases quickly and safely right from your device. Need to send money to a friend? Our person-to-person transfer service makes it easy to send money instantly without needing cash or checks. It's perfect for splitting bills or sharing expenses with friends and family. At Pentagon, we believe that banking should be as straightforward as possible. Our digital tools empower you to take control of your finances in real-time while enjoying peace of mind knowing that your data is protected. Join us today and experience banking made easy!

Financial Strength

At Pentagon, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to providing you with the best financial services possible, backed by our solid financial foundation. With a net worth of $3,260,605,705, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $985 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $12,769,593,886 in share certificates and $2,815,129,878 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $201,717,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also boast $2,776,578,388 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $194,968 in used auto loans and $26,072,314,016 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our commitment to operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 2,856 full-time employees and 24 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $76,015,739. Total Share Accounts: 4,116,497, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pentagon is your trusted partner. Visit us at 701 W Central Texas Expy Harker Heights Tx 76548 or call (254) 374-0858 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,778,882,869 in used vehicle loans and $1,230,240,741 in new vehicle loans already helping members get on the road. We believe that driving a reliable vehicle shouldn't be a burden on your wallet.

Business Loans

For business owners, our outstanding commercial loans totaling $1,632,399,984 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, we have options tailored for your business needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,216,974,844, make buying or refinancing simple. We guide you through the process and offer competitive rates to help you settle into your new home without hassle.

Refinancing Options

If you're considering refinancing any of these loans, we can assist you with that as well. Refinancing can lower your monthly payments or help you pay off your debt faster whatever suits your financial strategy best. Feel free to reach out to us at (254) 374-0858 for any questions regarding our loan products or eligibility options. We're here to support you every step of the way! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $2,090,578,789 in loans helping members manage their finances effectively. This gives you the freedom to make purchases and pay them off at your own pace.

Loan Aggregator

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