Welcome to the PenFed Foundation Application Portal 

Registration Directions:

If this is your first time logging into the SMApply application system you will need to register as a user (see button in upper right hand corner) and then complete an eligibility quiz.  Do not use Facebook, Twitter, or Google to log in.Please ensure you accurately complete the eligibility quiz as it will determine which programs you will be able to apply for.  Do not forget to review and submit your application.  

The Dream Makers Program stopped taking new applications on August 15, 2021.


About Us:

The PenFed Foundation is a national nonprofit organization founded in 2001 that is committed to helping members of our military community secure their financial future.  Its mission is to provide service members, veterans, and their families and support networks with the skills and resources they need to build a strong financial future.The Foundation changes lives through financial education, matching grants to help families purchase a home, and short term assistance. 

Affiliated with PenFed Credit Union, we work to ensure that those who selflessly devote their lives to defend our country have the resources they need for a secure financial future. 

We strictly follow all IRS guidelines and provide transparency on how your contributions are used:

  • PenFed Credit Union funds the PenFed Foundation's personnel and most operational costs, demonstrating its strong commitment to the programs we provide.
  • Support for our programs come from both private and corporate donations.
  • The PenFed Foundation is a 501 (c)(3) organization; donations are tax deductible.


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