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Find out how our new Swap & Save Loan could save you money!

It’s so easy to save with Retail CU. Save a few £s straight from your pay and watch your savings grow. With a range of saving accounts from our Instant Access to the Christmas account, Retail CU is here to help you save. Read more…

From time to time we all need to borrow, and Retail CU is here to help. We offer members a range of flexible loans with manageable repayments straight from your pay. Read more…

Who can join?

Anyone working in retail can join Retail CU. It’s free to become a member and family living at the same address are also welcome to join too. Read more…

Savings and loans straight from your pay

If you work in retail, Retail CU is the easy way to save, and borrow when you need to, straight from your pay.

Retail CU is part of Voyager Alliance Credit Union. For over 30 years Voyager Alliance has proudly provided financial services as a free benefit to members and their families!  Created by members, owned by members and run for the benefit of members … members really are at the heart of everything we do!

By helping members save regularly, and borrow when they need to, straight from their pay, Retail CU helps improve financial resilience.  From time to time, life throws the unexpected, but by having savings and access to affordable loans, Retail CU can help members overcome financial pressures.

Join us today and take the first steps to improving your financial wellbeing.  With more than 9,000 members like you, and growing, you will be in very good company!  We look forward to welcoming you!

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Who is PenFed Best For?

• PenFed Personal Loan Details

PenFed Personal Loan Pros and Cons

How to apply for a penfed personal loan, penfed personal loan frequently asked questions.

• How PenFed Credit Union Personal Loans Compare
• PenFed Credit Union Trustworthiness

PenFed Credit Union Personal Loans Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews.

Compare Personal Loan Rates

PenFed is best for borrowers who want to take out an unsecured loan from a credit union with low minimum APRs and a wide range of loan amounts. However, borrowers worried about falling behind on their payments might want to avoid PenFed — the credit union charges a $29 late fee. 

See our picks for the best debt consolidation loans »

PenFed Personal Loan Features

PenFed Credit Union Personal Loan amounts range from $600 to $50,000. The minimum and maximum amounts are similar what other credit unions offer. For example, Navy Federal Credit Union Personal Loan amount range is $250 to $50,000, and the range for Connexus Credit Union Personal Loan is $2,500 to $25,000. Online lenders usually have higher loan minimums.

PenFed offers term repayment lengths from one year to five years. If you want to pay off your loan early, there are no prepayment penalties. Interest rates at PenFed vary from 8.99% to 17.99% APR.

You don't need to be a member of the credit union to apply for a personal loan, but you'll have to be a member to get your loan. If you've served in the military or work at qualifying associations or organizations, you'll qualify. If that doesn't apply, you can easily join by opening a savings account with a $5 minimum deposit.

You can get a personal loan from PenFed in all 50 states. You are able to apply with a co-borrower, which might help you get a lower rate if your co-borrower has a good credit score. You can complete the application online and get your rate within several minutes. 

You may get your money as early as the next day, though it could take up to seven business days if you're getting the money by check. 

1.  Fill out personal information on PenFed's website . You'll enter your name, Social Security number, and income history. You'll get an estimated monthly payment and APR range with no impact on your credit score.

2.  Formally send in an application and await approval . When submitting a formal application, you may also have to send in proof of income, like a W-2, tax returns, or other financial documents.

3.  Sign loan agreement and get your money . After you sign your loan agreement, you may get your money quickly with PenFed — though it doesn't guarantee the cash the same day. 

4.  Make a plan to repay your loan . Work your monthly payments into your budget, and make sure you have enough money to cover all of your financial responsibilities. 

Yes, PenFed Credit Union is a legitimate credit union federally insured by the National Credit Union Administration . It has a high rating in trustworthiness from the Better Business Bureau and offers a variety of financial products outside of loans.

Provided your credit is in good shape, it shouldn't be hard to get a personal loan from PenFed. You'll have to join PenFed if not already a member. But becoming a member is easy. And like most other credit unions, PenFed has simpler requirement to qualify for a loan than many other types of lenders.

PenFed will lend you as much as $50,000 if you qualify. That's among the highest personal loan amounts available among our top picks for the best credit unions for personal loans . 

Compare PenFed Personal Loans

PenFed vs. Navy Federal Credit Union

You can get a loan of as little as $250 with Navy Federal Credit Union or $600 with PenFed Credit Union. Both credit unions allow you to take out up to $50,000.

It's harder to qualify for a membership with Navy Federal than PenFed, as you're only eligible if you are active military member or a veteran, as well as an employee or retiree of the Department of Defense. Family members of any of the aforementioned groups are also eligible. 

PenFed vs. Connexus Credit Union

Connexus Credit Union has both the highest minimum loan amount and the lowest maximum loan amount of the three credit unions — its range is between $2,500 to $25,000.

You can join PenFed if you've served in the military or worked at qualifying associations or organizations. You can also join by opening a savings account with a $5 minimum deposit. You're eligible to be a member of Connexus if you're affiliated with certain designated groups or live in specific parts of Wisconsin, Minnesota, and Ohio. Otherwise, you can join the Connexus Association with a one-time $5 donation. 

You'll get basically the same maximum interest rate with both credit unions, and neither of them charge prepayment penalties. 

Is PenFed trustworthy?

PenFed Credit Union has an A+  rating from the Better Business Bureau, non-profit organization focused on consumer protection and trust. The BBB determines its score by evaluating a company's response to customer complaints, truthfulness in advertising, and transparent about business practices. 

PenFed doesn't have any recent public controversies. 

Between its top-notch BBB score and clean history, you might decide you're comfortable taking out a personal loan with PenFed.

Why You Should Trust Us: How We Rated PenFed Personal Loans

We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:

• Interest rate (20% of rating)
• Fees (20% of rating)
• Term lengths and loan amounts (15% of rating)
• Funding speed (15% of rating)
• Borrower accessibility (15% of rating)
• Customer support (7.5% of rating)
• Ethics (7.5% of rating)

Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan's terms, so they have less of an impact on the overall rating.

See our ratings methodology for personal loans » 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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15 men brought to military enlistment office after mass brawl in Moscow Oblast

Local security forces brought 15 men to a military enlistment office after a mass brawl at a warehouse of the Russian Wildberries company in Elektrostal, Moscow Oblast on Feb. 8, Russian Telegram channel Shot reported .

29 people were also taken to police stations. Among the arrested were citizens of Kyrgyzstan.

A mass brawl involving over 100 employees and security personnel broke out at the Wildberries warehouse in Elektrostal on Dec. 8.

Read also: Moscow recruits ‘construction brigades’ from Russian students, Ukraine says

We’re bringing the voice of Ukraine to the world. Support us with a one-time donation, or become a Patron !

Read the original article on The New Voice of Ukraine

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Elektrostal

Elektrostal Localisation : Country Russia , Oblast Moscow Oblast . Available Information : Geographical coordinates , Population, Area, Altitude, Weather and Hotel . Nearby cities and villages : Noginsk , Pavlovsky Posad and Staraya Kupavna .

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Find all the information of Elektrostal or click on the section of your choice in the left menu.

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Elektrostal Demography

Information on the people and the population of Elektrostal.

Elektrostal Geography

Geographic Information regarding City of Elektrostal .

Elektrostal Distance

Distance (in kilometers) between Elektrostal and the biggest cities of Russia.

Elektrostal Map

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Elektrostal Nearby cities and villages

Elektrostal weather.

Weather forecast for the next coming days and current time of Elektrostal.

Elektrostal Sunrise and sunset

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Elektrostal Hotel

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Elektrostal Nearby

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Join Us Today

Anyone working in passenger transport can join voyager alliance along with manchester airport group and dwp employees, and trade union members. it’s free to become a member and family living at the same address are also welcome to join too..

Opening an Account

It’s quick and easy to join Voyager Alliance! Simply complete our online Membership Application.

We are required by law to confirm the identity and address of all new members. We do this electronically using an online provider, for your convenience. Occasionally, we are unable to confirm your details and will ask you to provide additional documentation to confirm your ID and address.

Who else can join?

Family living at a member’s address are also welcome to join. Don’t worry if family members are not working for one of our Payroll Partners – they can save into their Voyager Alliance savings account by Direct Debit.

A requirement of the credit union regulator is that credit union members have something in common with one another. This is known as the credit union’s ‘common bond’ and determines who can join a credit union.

Who Can Become a Member of Voyager Alliance?

a) an individual who follows an occupation in the following ‘Minor’ Groups of the Office of National Statistics’ Standard Occupational Classification:

i) 821 Road transport drivers ii) 823 Other drivers and transport operatives iii) 116 Managers and directors in transport and logistics

b) a body corporate, an individual in his/her capacity as a partner in a partnership, an individual in his/her capacity as an officer or member of the governing body of an unincorporated association, if the principal business of the body corporate, partnership or unincorporated association:

i) requires it to employ or otherwise engage persons who follow the above occupation ii) relates to the above occupation in the following way:

– is a social club whose members follow the above occupations – is a retirement fund with members in the above occupations – provides trade union services to members in the above occupations

c) an individual employed by the following employers:

i) Manchester Airport Group ii) Peel Holdings Airport division iii) the Department for Work and Pensions iv) Jaguar Land Rover v) VOITH vi) Johnsons Switchgear vii) Association of British Credit Unions Limited  viii) Or the successor companies of the above

d) a body corporate, an individual in his/her capacity as a partner in a partnership, an individual in his/her capacity as an officer or a member of the governing body of an unincorporated association, if the body corporate, partnership or unincorporated association:

i) is one of the above employers (or their successor subsidiaries) ii) provides services to one of the above employers iii) is related to one of the employers in the following way:

– is a social club whose members are employed by one of the above employers – is a retirement fund with members who are employed by one of the above employers – provides trade union services to the above employers

e) an individual associated with the individuals in a) by virtue of:

i) receiving a pension as a result of following the same occupation as those individuals ii) providing the maintenance of vehicles for those individuals iii) providing contracted support, ancillary, social and welfare or trade union services to those individuals

f) an individual who is a member of the following bona fide organisation:

i) Unite Trade Union ii) GMB Trade Union iii) UNISON iv) RMT v) ASLEF vi) USDAW vii) PCS Trade Union

g) an individual who is a member of the same household as, and is a relative of, an individual who is a member of the credit union and falls directly into a common bond specified above.

Why join? Check out these benefits below:

It’s so easy to save with Voyager Alliance. Save a few ££s straight from your pay and watch your savings grow. With a range of saving accounts Voyager Alliance is here to help you save.

From time to time we all need to borrow, and Voyager Alliance is here to help. We offer members a range of Loans with manageable repayments straight from your pay.

Savings and loan repayments are deducted directly from your weekly or monthly pay. As the money is taken directly from your wages/salary, you tend not to miss it! It really is the easy way to save, and borrow when you need to!

For members not working for one of Payroll Partners, we will set up a direct debit.

Members money with Voyager Alliance is protected by the Financial Services Compensation Scheme, the UK’s deposit protection scheme, to the value of £85,000. However, the maximum a member can hold with Voyager Alliance across all their accounts is £50,000, meaning all your savings with us are covered. Click here for further information on the FSCS.

Voyager Alliance is owned by and run for the benefit of our members. When you join, you become a ‘member’ and a ‘shareholder’ in Voyager Alliance Credit Union. Any profits made are shared in the form of an annual dividend agreed by members at our Annual General Meeting.

*Dividends are not guaranteed. The rate payable is dependent on financial performance and voted on by members at the AGM.

“Staff always helpful. You feel like you are speaking to a member of your family.”

“The service is fantastic. Always very helpful. I can’t fault them.”

“Very friendly staff, great opportunities to save or borrow money. All in all they are brilliant!”

“The automatic deductions from my wages has allowed me to save and repay loan without planning.”

“Nivo is a great service & really simple to use. Very clear instructions & seems very secure with ID face recognition. The response times are very quick, impressed with the service.”

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