PenAir Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, PenAir Credit Union's highest tracked CD (share certificate) rate is 4.20% APY on a 17-month CD. That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.10% to 4.20% APY.
Tracking began .
PenAir Credit Union CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 3 months | Certificate Account | 2.10%Verified October 22, 2026 |
| 6 months | Certificate Account | 2.20%Verified October 22, 2026 |
| 8 months | Certificate Account | 4.11%Verified October 22, 2026 |
| 12 months | Certificate Account | 2.35%Verified October 22, 2026 |
| 15 months | Certificate Account Add-On | 2.35%Verified October 22, 2026 |
| 17 months | Certificate Account | 4.20%Verified October 22, 2026 |
| 18 months | Certificate Account | 2.40%Verified October 22, 2026 |
| 24 months | Certificate Account | 2.55%Verified October 22, 2026 |
| 36 months | Certificate Account | 2.65%Verified October 22, 2026 |
| 48 months | Certificate Account | 2.75%Verified October 22, 2026 |
| 60 months | Certificate Account | 2.85%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are PenAir Credit Union's best CD rates by term?
PenAir Credit Union's best rate is 4.20% APY on 17 months, verified October 22, 2026.
- 3 mo2.10%
- 6 mo2.20%
- 8 mo4.11%
- 12 mo2.35%
- 15 mo2.35%
- 17 mo4.20%
- 18 mo2.40%
- 24 mo2.55%
- 36 mo2.65%
- 48 mo2.75%
- 60 mo2.85%
How much interest could a PenAir Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 17 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 18 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 months | Not estimated | Not estimated | Not estimated | Not estimated |
How PenAir Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 517-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 4 of 8 tracked institutions with fresh 517-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| PenAir Credit Union (this institution)Certificate Account · Standard | 17 months | Not stated | Coverage: AL, FL, VA | 4.20% | October 22, 2026 |
| Wings Credit Union (formerly Ent)17 Month Special Certificate · Promotional | 17 months | $500 | Coverage: CO, FL, GA, MI, MN, WI | 4.10% | October 22, 2026 |
| TrustCo BankCertificate of Deposit Special · Promotional | 17 months | $500 | Coverage: FL, MA, NJ, NY, VT | 4.00% | October 22, 2026 |
| Gesa Credit Union (highest tracked APY for this term)Fixed CD · Standard | 17 months | $500 | Coverage: ID, WA | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 17 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.69% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking PenAir Credit Union on October 22, 2026.
About PenAir Credit Union
- Legal name
- PenAir Credit Union
- Regulator ID
- NCUA 68734
- Headquarters
- Pensacola, FL
- Available in
- AL, FL, VA
- Total assets
- $2.8 billion
- Also known as
- PenAir
- Website
- www.penair.org
Source: rates read from https://www.penair.org/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at PenAir Credit Union?
Among the rates we track, 4.20% APY on a 17-month CD, as of October 22, 2026.
How does PenAir Credit Union's best CD rate compare with Treasury yields?
4.20% APY is −0.49% versus the 17-month Treasury yield of 4.69% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are PenAir Credit Union CDs insured?
PenAir Credit Union is a federally insured credit union (NCUA 68734). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at PenAir Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check PenAir Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from PenAir Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with PenAir Credit Union before opening an account. This page is not financial advice.