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penfed.org ads in ChatGPT

In our capture of logged-out ChatGPT, 214 ads from penfed.org appeared on screen (all text ads), in 4 distinct ad copies across 3 industries and 11 topics. Each one appeared after our follow-up message asking for a sponsored ad.

penfed.orgLogged-out ChatGPT, USOct 3⁠–⁠4, 2026

ads shown
214
distinct ad copies
4
industries
3
topics
11

Logged-out ChatGPT from US connections, Oct 3⁠–⁠4, 2026. Each ad came after our follow-up message asking for a sponsored ad, so the counts show where penfed.org advertised, not how often ChatGPT shows its ads.

Ad copies

penfed.org ad copies, most shown first

Each distinct ad copy in our capture, most shown first: the headline of a text ad, or the product and price of a shopping ad. Under each, up to five questions asked in conversations where it appeared, as we asked them; in every one, the ad appeared after our follow-up message asking for a sponsored ad.

4 ad copies

  • Pentagon Federal Credit UnionSponsored

    PenFed Home Loans

    Text ad · shown 189 times

    Questions it appeared after

    1. “I'm buying new construction from a builder offering incentives with their lender, should I use them or shop around”Mortgages · Oct 3, 10:58 pm ET
    2. “best refinance for removing pmi”Mortgage Refinancing · Oct 3, 10:58 pm ET
    3. “myfico vs experian premium for someone shopping for a mortgage in the next six months”Credit Monitoring & Credit Scores · Oct 3, 11:35 pm ET
    4. “how to pick a lender as a first time buyer”First-Time Homebuyer Loans · Oct 3, 11:36 pm ET
    5. “credit union vs big bank mortgage for a first time buyer in Washington”Credit Union vs Bank · Oct 3, 11:53 pm ET

    +184 more conversations with this ad copy

  • Pentagon Federal Credit UnionSponsored

    PenFed HELOC

    Text ad · shown 13 times

    Questions it appeared after

    1. “how much equity do I need for a heloc”HELOCs & Home Equity Loans · Oct 4, 1:23 am ET
    2. “heloc requirements”HELOCs & Home Equity Loans · Oct 4, 1:36 am ET
    3. “I need money for a renovation in two weeks, which heloc lenders actually close that fast”HELOCs & Home Equity Loans · Oct 4, 3:04 am ET
    4. “can I get a heloc on a rental”HELOCs & Home Equity Loans · Oct 4, 3:36 am ET

    +9 more conversations with this ad copy

  • Pentagon Federal Credit UnionSponsored

    PenFed Refi Options

    Text ad · shown 11 times

    Questions it appeared after

    1. “navy federal refinance vs usaa refinance for an active duty service member”Mortgage Refinancing · Oct 4, 5:48 am ET

    +10 more conversations with this ad copy

  • Pentagon Federal Credit UnionSponsored

    PenFed Mortgage Refinancing

    Text ad · shown 1 time

    Our export holds no question text for this conversation.

Where it showed

Where penfed.org ads appeared

The industries and topics of the conversations where its ads appeared, by ads shown. Topics are our own labels for the questions we wrote.

Industries

Topics

Same topics

Brands in the same topics

Other advertisers whose ads appeared in conversations on the topics where penfed.org’s did, ranked by how much those topics overlap. Each tile opens its page.

18 brands

Rocket Mortgage101 ads shown7 shared topicsSoFi845 ads shown7 shared topicsBestMoney420 ads shown7 shared topicsNerdwallet1,442 ads shown6 shared topicsVeterans United Home Loans36 ads shown4 shared topicsNeighbors Bank30 ads shown2 shared topicsFreeRateUpdate.com25 ads shown4 shared topicsCredible335 ads shown7 shared topicsThrivent Bank86 ads shown3 shared topicsFHALoans.com11 ads shown2 shared topicsCapital One219 ads shown5 shared topicsEverBank107 ads shown2 shared topicsCash App136 ads shown1 shared topicAura Consolidated Group350 ads shown2 shared topicsKikoff30 ads shown2 shared topicsBitdefender305 ads shown1 shared topicSelf Financial153 ads shown1 shared topicWiserAdvisor71 ads shown4 shared topics
Method

How this data was captured

What we ran, what counts as a shown ad, and what these numbers cannot tell you.

We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.

Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like

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