PenFed Credit Union vs Upstart
PenFed Credit Union LOANS pays 6.09% APR; Upstart LOANS pays 6.20%. Trade-offs depend on what you prioritize — see the breakdown below.
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
Upstart
6.20%
APR
- Min
- $1000
- Fee
- $0/mo
Best for: savers prioritizing brand familiarity
Open with Upstart →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.