Credit Cards | PenFed Credit Union | Credit Card Reward

Home Mortgage Rates - VA & 30 Year Fixed Loans

Member Discounts

Auto Loans - New, Used, Car Loan Refinancing | PenFed Credit Union

PenFed Individual Retirement Accounts (IRAs) - Be Ready for Retirement

Apply for an Unsecured Personal Loan Online | PenFed Credit Union

Auto Loan Refinance Rates | Used & New Car Refinancing

Free Checking - A Simple, Fee-Free Checking Account | PenFed

PenFed Credit Union | Checking, Savings, Credit Cards, Mortgage, VA Loans & Auto

Forms, Agreements and Disclosures | PenFed

When selecting a user interface component with the keyboard, the focus indicator must 
not be completely obscured by anything in front of it.

## Why this matters

When using a keyboard, it is important that the user can see where they are on the page.
If the focus indicator is obscured, the user may not know where they are, and may not
be able to interact with the page.

## Examples

Most common examples include:

* Banners at the top or bottom of the page, such as cookie banners
* Fixed navigation bars
* Fixed footers
* Popup modals, such as cookie consent modals

## How to fix

With elements that cover part of the screen, such as cookie banners, ensure
that the user can scroll to see any content behind the banner, without having to close
the banner.

With popup modals, it should usually be impossible to focus anything behind the modal.
Most common modal frameworks will automatically trap focus within the modal, so that
this is impossible. Example: [Bootstrap Modal](https://getbootstrap.com/docs/5.2/components/modal/#live-demo).

## Further reading

This is part of the draft WCAG 2.2 specification and is subject to change.

* [WCAG 2.4.12](https://www.w3.org/WAI/WCAG22/Understanding/focus-not-obscured.html)

ensure-focus-is-not-obscured-minimum

July 2025

June 2025

Pentagon Credit Union

Title / URL	Issues
Credit Cards \| PenFed Credit Union \| Credit Card Rewardwww.penfed.org/credit-cards	70
Home Mortgage Rates - VA & 30 Year Fixed Loanswww.penfed.org/mortgage-center	66
Member Discountswww.penfed.org/member-discounts	64
Auto Loans - New, Used, Car Loan Refinancing \| PenFed Credit Unionwww.penfed.org/auto	56
PenFed Individual Retirement Accounts (IRAs) - Be Ready for Retirementwww.penfed.org/ira	49
Apply for an Unsecured Personal Loan Online \| PenFed Credit Unionwww.penfed.org/personal-loans	49
Auto Loan Refinance Rates \| Used & New Car Refinancingwww.penfed.org/auto/refinance	48
Free Checking - A Simple, Fee-Free Checking Account \| PenFedwww.penfed.org/checking/free	47
PenFed Credit Union \| Checking, Savings, Credit Cards, Mortgage, VA Loans & Autowww.penfed.org/	45
Forms, Agreements and Disclosures \| PenFedwww.penfed.org/forms	43

Ensure focus is not fully obscured

Pentagon Credit Union

Where this issue has occurred