I recently applied and got approved for their new 2% flat cashback credit card called PENFED Power Rewards Visa Signature Card. The only caveat is that a member needs to have an active Checking Account called Access America Checking (Requires a minimum monthly balance of $500 or Total monthly Direct Deposit of $500 to waive the service fee). It's an amazing card. I also have really low APR auto loan with PENFED. Also have a line of credit and another credit card with generous credit limit. Their Debit Card is surcharge free on the Allpoint Network too.
Overall amazing products. Great Online Banking. Really good Customer Service on the Phone. Strongly recommend this credit union for all needs.