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Last Updated: 05/14/2026

PenFed Credit Union Certificates

from PenFed Credit Union

Last Updated: 05/14/2026

Strongly recommended17 total votes

15 users recommend

2 users are unsure

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Highlights

Community Rating

Strongly recommended

APY (Annual Percentage Yield)

0.4% - 1.1%(Verified 06/21/2024)

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Minimum Opening Deposit

Starting at $1,000

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Certificate Term

6 months
12 months
18 months
2 years
3 years
4 years
5 years
7 years

Number of Reviews

Provider Disclosure: APY (Annual Percentage Yield) is accurate as of July 21,2021. Rates are subject to change and are fixed for the term of the certificate. Certificates dividends compound daily and credited monthly. Penalty will be imposed for early withdrawal. This will reduce earnings on the account.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from PenFed

Our members’ financial growth is our growth. When you invest with PenFed, we want to ensure you get the most for your money. That’s why we offer IRA certificates that give you dividends like a certificate and tax advantages like an IRA. Start saving with balances as low as $1,000 with no maximum limit. With a PenFed IRA Certificate, you can start small and earn more. Growth and security: get the best of both worlds with a certificate and an IRA rolled into one. Invest in your future while steadily growing your dividends.

Contact

Headquarters

7940 Jones Branch Dr

Tysons, VA 22102

Visit Site

Email Support

Hours of Operation

SundayClosedMonday8:00AM - 4:00PMTuesday8:00AM - 4:00PMWednesday8:00AM - 4:00PMThursday8:00AM - 4:00PMFriday8:00AM - 4:00PMSaturdayClosed

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2 products

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Credit Cards

4 products

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Auto Loans

Rating not yet determined (2 Reviews)

Personal Lines of Credit

Rating not yet determined (4 Reviews)

Personal Loans

49 Reviews

Home Equity Loans

Rating not yet determined (4 Reviews)

Home Mortgage Loans

Rating not yet determined (2 Reviews)

Auto Loan Refinancing

Rating not yet determined (1 Review)

Student Loan Refinancing

Rating not yet determined (4 Reviews)

Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.

+88

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Reviewer Sentiment Over Time

PenFed Credit Union Certificates Community Reviews

Would you recommend PenFed Credit Union Certificates to your friends?

Jadelyn G.

Jan 20, 2022

Would Recommend

PenFed credit is a wonderful company suited to best serving you! They are very friendly with customers and are doing their best to do what the customer needs of them. I would 100% recommend this this company

Ibinabo B.

Jan 20, 2022

Would Recommend

I put careful thought into my decision to use Pentagon Federal Credit Union. After working with them for a while now, they are not only strong, but stable and highly dependable. Keep it up!!!

Jessica M.

Jan 16, 2022

Would Recommend

I had a very smooth process with PenFed. The interest rate is very reasonable compared to others. Really liked it. But you do need a good credit to start of around 750.

Keith D.

Jan 4, 2022

Would Recommend

I personally opened Penfed account few years ago. it terms CD is minimal enough anyone to open the bank and it goes as low $5 minimum. Good experience during banking period. If I can remember vividly you need 750+ credit score to qualify for a loan good enough

Malomo E.

Dec 19, 2021

Would Recommend

PenFed has a very cool interest rate compared to its competitors. I had a smooth fund deposit process and I enjoyed their swift customer care services. They have great options too. I would recommend them always.

Eric S.

Dec 16, 2021

Would Recommend

This is a credit union with amazing customer service and even better CD Rates. They are friendly and extremely helpful with any of your questions

Sharon K.

Dec 10, 2021

Would Recommend

Nice report to recommend for this loving financial institution. What a wow. Bravo Penfed

Jacques De J.

Nov 18, 2021

Would Recommend

PenFed Credit Union offers excellent CD accounts; their catalog contains a variety of accounts and customer support that allows anyone to fit their specific needs and compare their offers to other competitive yield rates. With PFCU CD’s they offer a decent APR for stable interest. Again, customer support is cordial and intent on understanding your pain points. PFCU is friendly and will always appropriately address your concerns, at least from ...Show More

Bradley S.

Nov 18, 2021

Would Recommend

This is a credit union with amazing customer service and even better rates. I would use them for all my financial and banking needs, so I'm glad they were ready for me with my slew of different requirements and options.

Christopher C.

Oct 13, 2021

Would Recommend

This is a great CD account, they offer a variety of accounts that can be tailored to fit your specific needs and offer competitive rates and a good APR. If you ever have an issue customer service is friendly and knowledgeable and will always ensure that your issue is handled well, at least in my experience with them. All in all a great choice to consider when shopping around for ...Show More

Ciara J.

Oct 4, 2021

Would Recommend

I liked this CD account because there are several different CD options. I enjoyed the fact that I had variety and choice when it came to the certificate term, which is something I had been looking for. Also, a pretty high dividend yield was appealing and beneficial for me and my financial goals with the CD account. I intend to use this company's CD options again in the future.

Jenna C.

Sep 28, 2021

Would Recommend

I have had nothing but excellent experience with PenFed Credit Union. They have a high yield APR and when I had a question their customer service team was excellent to deal with and responded to my email right away. I will be a customer for life.

Irfan T.

Sep 18, 2021

Would Recommend

PenFed has market competitive rates and straight defined credit procedure. Everything was spelled out and easily done. Immediate decision and quick deposit of funds. I have a great experience with them and would highly recommend them to everyone else.

Daniella J.

Sep 9, 2021

Would Recommend

Good day. I would highly recommend anyone to use PenFed Credit Union. The best thing about PenFed is that they offer you a welcome bonus of $100 if you spend $1500 dollars in the first 90 days. PenFed cards have a PR rate that is much lower than others. Go on the website and find out more of their great services, you won’t regret it.

Eleasia N.

Aug 25, 2021

May or may not recommend

I have a friend who was in the military for 6 years who have mentioned PenFed Credit Union. She talked about how they offered a moderate product selection when it comes to military-affiliated members. They are supposed to have good checking, online, and certificate interest rates when it comes to their services. I heard mixed reviews about their fund's fee, so I don't really know about that. But overall their ...Show More

El T.

Aug 25, 2021

Would Recommend

I’d recommend PenFed Credit Union Certificates, The staff was friendly and always tried to help.

Victoria H.

Aug 23, 2021

May or may not recommend

I would recommend this for those who have already have more savings to put into the CD than 1,000. For those like me who is just starting out looking into saving options such as this, it has been difficult because there has been need that I have found that I needed the money that I put into it too soon. Though, it did help that I could change the maturity ...Show More

Showing 17 of 17 reviews