PenFed Credit Union vs. Alliant Credit Union CD Rates — October 2026
Alliant Credit Union pays more at 7 of the 7 standard terms both offer; PenFed Credit Union pays more at none. The highest rate in this comparison is 4.35% APY on Alliant Credit Union's 12-month certificate, verified October 26, 2026.
PenFed Credit Union vs. Alliant Credit Union: CD rates by term
Each cell is that institution's highest fresh quote for the exact term, across the locations we check. Relationship rates that need another account are left out. Bold marks the higher APY.
| Term | PenFed Credit Union | Alliant Credit Union | Difference |
|---|---|---|---|
| 3-month | —Not offered or not tracked | 3.10%$1,000 min · Standard | — |
| 6-month | 2.70%$1,000 min · Standard | 3.60%$1,000 min · Standard | Alliant CU +0.90% |
| 1-year | 3.20%$1,000 min · Standard | 4.35%$75,000 min · Standard | Alliant CU +1.15% |
| 18-month | 3.20%$1,000 min · Standard | 3.65%$75,000 min · Standard | Alliant CU +0.45% |
| 2-year | 3.40%$1,000 min · Standard | 3.70%$75,000 min · Standard | Alliant CU +0.30% |
| 3-year | 3.40%$1,000 min · Standard | 3.70%$75,000 min · Standard | Alliant CU +0.30% |
| 4-year | 3.40%$1,000 min · Standard | 3.70%$75,000 min · Standard | Alliant CU +0.30% |
| 5-year | 3.50%$1,000 min · Standard | 3.70%$75,000 min · Standard | Alliant CU +0.20% |
Other differences
| PenFed Credit Union | Alliant Credit Union | |
|---|---|---|
| Insurance | NCUA-insured credit union (NCUA 227) | NCUA-insured credit union (NCUA 67955) |
| Lowest minimum (tracked) | $1,000 | $1,000 |
| Standard terms tracked | 7 | 8 |
| No-penalty CD | None tracked | None tracked |
| Prices vary by ZIP | No | No |
Membership, new-money and product conditions are not compared here. See each institution's page for opening requirements, early withdrawal penalties and rate history: PenFed Credit Union CD rates · Alliant Credit Union CD rates.
Common questions
Which has better CD rates, PenFed Credit Union or Alliant Credit Union?
Alliant Credit Union pays more at 7 of the 7 standard terms both offer; PenFed Credit Union pays more at none. The highest rate in this comparison is 4.35% APY on Alliant Credit Union's 12-month certificate, verified October 26, 2026.
Which has a lower CD minimum deposit, PenFed Credit Union or Alliant Credit Union?
Both list a lowest minimum deposit of $1,000 on the standard-term rates we track.
Are PenFed Credit Union and Alliant Credit Union CDs insured?
PenFed Credit Union is an NCUA-insured credit union (NCUA 227) and Alliant Credit Union is an NCUA-insured credit union (NCUA 67955). Deposits are insured up to $250,000 per depositor, per institution, per ownership category, so splitting a large deposit between the two can raise total coverage.
How current is this comparison?
Both institutions' rate pages are checked daily. Every quote here was verified within the last seven days; the latest on October 26, 2026.