# PenFed Credit Union CD and share certificate rates

As of October 22, 2026, PenFed Credit Union's highest CD (share certificate) rate is 3.50% APY on a 60-month promotional CD ($1,000 minimum). That is 2.5 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.70% to 3.40% APY.

Canonical page: https://apyledger.com/cd-rates/penfed-credit-union
Institution: Pentagon Federal Credit Union (NCUA 227)
Aliases: PenFed, Pentagon Federal Credit Union
Status: live
Last verified: 2026-10-22T05:12:20.000Z (October 22, 2026)
Official source: https://www.penfed.org/certificates/money-market
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Money Market Certificate | standard | 6 months | $1,000 | 2.70% | Not ZIP-priced | −1.70% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | standard | 12 months | $1,000 | 3.20% | Not ZIP-priced | −1.37% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | standard | 15 months | $1,000 | 3.20% | Not ZIP-priced | −1.45% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | standard | 18 months | $1,000 | 3.20% | Not ZIP-priced | −1.52% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | standard | 24 months | $1,000 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | standard | 36 months | $1,000 | 3.40% | Not ZIP-priced | −1.55% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | standard | 48 months | $1,000 | 3.40% | Not ZIP-priced | −1.58% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | promotional | 60 months | $1,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |
| Money Market Certificate | promotional | 84 months | $1,000 | 3.50% | Not ZIP-priced | −1.59% | 2026-10-22T05:12:20.000Z | [Snapshot 142](https://apyledger.com/snapshots/142) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.