PenFed Credit Union CD Rate - 3 Year Credit union
PenFed Credit Union's 3 Year CD pays 3.70% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2018, this 3 Year CD has paid as much as 4.30% (Jul 2023) and as little as 0.55% (Feb 2021). It is currently above the median 3 Year CD rate we track (3.45% across 121 banks).
3.70% APY
up from 3.40% on Nov 6
- Last checked
- Nov 9 · 18 hours ago
- Minimum deposit
- $1,000
Alert me when this rate changesShare this rate
See the full PenFed Credit Union 3 Year CD rate history »
PenFed Credit Union CD Rate - 3 Year CD - Rate History
Now 3.70% APY
- All-time high 4.30% (Jul 2023)
- Low 0.55% (Feb 2021)
- 1-year change −0.60
- 28 changes
- Tracked since Dec 2018
- Full rate history »
The gray line is the median 3 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| November 6, 2026 | 3.70% | +0.30 |
| October 12, 2026 | 3.40% | +0.20 |
| September 25, 2026 | 3.20% | −1.10 |
| July 30, 2023 | 4.30% | +0.20 |
| January 27, 2023 | 4.10% | +0.05 |
| December 25, 2022 | 4.05% | +3.50 |
| February 9, 2021 | 0.55% | −0.05 |
| October 2, 2020 | 0.60% | −0.05 |
| August 7, 2020 | 0.65% | −0.15 |
| July 1, 2020 | 0.80% | −0.20 |
| June 10, 2020 | 1.00% | −0.05 |
| May 28, 2020 | 1.05% | −0.10 |
| May 8, 2020 | 1.15% | −0.10 |
| March 28, 2020 | 1.25% | −0.13 |
| March 17, 2020 | 1.38% | −0.32 |
| March 9, 2020 | 1.70% | −0.05 |
| February 6, 2020 | 1.75% | −0.05 |
| October 14, 2019 | 1.80% | −0.10 |
| October 6, 2019 | 1.90% | −0.05 |
| September 6, 2019 | 1.95% | −0.25 |
Show all 28 changes
| Date | APY | Change |
|---|---|---|
| August 16, 2019 | 2.20% | −0.15 |
| June 12, 2019 | 2.35% | −0.15 |
| May 23, 2019 | 2.50% | −0.10 |
| April 25, 2019 | 2.60% | −0.10 |
| April 1, 2019 | 2.70% | −0.10 |
| March 7, 2019 | 2.80% | −0.10 |
| February 2, 2019 | 2.90% | −0.15 |
| December 3, 2018 | 3.05% | first tracked |
Set Up Rate Alert
Share this rate
https://ratebrain.com/penfed-credit-union-3-year-cd
ShareOther PenFed Credit Union rates
- 6 Month CD2.70%
- 1 Year CD3.60%
- 15 Month CD3.60%
- 18 Month CD3.60%
- 2 Year CD3.70%
- 4 Year CD3.70%
- 5 Year CD3.80%
- 7 Year CD3.80%
Other 3 Year CD rates
- State Bank of India5.04%
- Merrick Bank4.90%
- Quorum Federal Credit Union4.90%
- BTG Pactual US4.85%
- Popular Direct4.85%
- CFG Bank4.82%
Common questions
What is the PenFed Credit Union 3 Year CD rate today?
The PenFed Credit Union 3 Year CD pays 3.70% APY as of November 9, 2026, checked 18 hours ago.
How does the PenFed Credit Union 3 Year CD compare with other 3 Year CDs?
It pays 3.70% APY. The median across the 121 3 Year CD rates RateBrain tracks is 3.45%, so it is 0.25 percentage points above the median.
What has the PenFed Credit Union 3 Year CD paid over time?
Since RateBrain began tracking it in 2018, it has paid as much as 4.30% (Jul 2023) and as little as 0.55% (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.