PenFed Credit Union CD Rate - 1 Year Credit union

PenFed Credit Union's 1 Year CD pays 3.60% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2018, this 1 Year CD has paid as much as 4.85% (Jul 2023) and as little as 0.45% (Feb 2021). It is currently below the median 1 Year CD rate we track (4.00% across 145 banks).

3.60% APY

up from 3.20% on Nov 6

Last checked: Nov 9 · 18 hours ago
Minimum deposit: $1,000

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See the full PenFed Credit Union 1 Year CD rate history »

PenFed Credit Union CD Rate - 1 Year CD - Rate History

Now 3.60% APY

All-time high 4.85% (Jul 2023)
Low 0.45% (Feb 2021)
1-year change −1.20
32 changes
Tracked since Dec 2018
Full rate history »

The gray line is the median 1 Year CD rate across the banks we tracked each month.

Rate changes

Date	APY	Change
November 6, 2026	3.60%	+0.40
October 12, 2026	3.20%	+0.30
September 25, 2026	2.90%	−1.90
January 19, 2024	4.80%	−0.05
July 31, 2023	4.85%	+0.25
January 25, 2023	4.60%	+0.35
December 25, 2022	4.25%	+3.35
March 29, 2022	0.90%	+0.05
December 27, 2021	0.85%	+0.20
December 8, 2021	0.65%	+0.05
November 24, 2021	0.60%	−0.40
November 16, 2021	1.00%	+0.40
September 23, 2021	0.60%	+0.15
February 17, 2021	0.45%	−0.05
August 3, 2020	0.50%	−0.20
July 8, 2020	0.70%	−0.25
June 11, 2020	0.95%	−0.10
June 2, 2020	1.05%	−0.05
May 6, 2020	1.10%	−0.05
March 25, 2020	1.15%	−0.20

Show all 32 changes

Date	APY	Change
March 17, 2020	1.35%	−0.30
February 10, 2020	1.65%	−0.05
October 9, 2019	1.70%	−0.10
August 23, 2019	1.80%	−0.20
August 2, 2019	2.00%	−0.10
June 3, 2019	2.10%	−0.15
May 29, 2019	2.25%	−0.10
April 24, 2019	2.35%	−0.05
April 1, 2019	2.40%	−0.10
March 6, 2019	2.50%	−0.10
February 1, 2019	2.60%	−0.20
December 3, 2018	2.80%	first tracked

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Common questions

What is the PenFed Credit Union 1 Year CD rate today?

The PenFed Credit Union 1 Year CD pays 3.60% APY as of November 9, 2026, checked 18 hours ago.

How does the PenFed Credit Union 1 Year CD compare with other 1 Year CDs?

It pays 3.60% APY. The median across the 145 1 Year CD rates RateBrain tracks is 4.00%, so it is 0.40 percentage points below the median.

What has the PenFed Credit Union 1 Year CD paid over time?

Since RateBrain began tracking it in 2018, it has paid as much as 4.85% (Jul 2023) and as little as 0.45% (Feb 2021).

Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.