PenFed Credit Union vs SoFi
PenFed Credit Union LOANS pays 6.09% APR vs. SoFi LOANS's 6.99%. PenFed Credit Union LOANS wins on rate; SoFi LOANS carries a stronger brand reputation.
Option A
PenFed Credit Union
6.09%
APR
- Min
- $600
- Fee
- $0/mo
Best for: rate-maximizing savers
Open with PenFed Credit Union →Option B
SoFi
6.99%
APR
- Min
- $5000
- Fee
- $0/mo
Best for: savers who prefer well-known institutions
Open with SoFi →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.