PenFed Credit Union CD Rate - 4 Year Credit union

PenFed Credit Union's 4 Year CD pays 3.70% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2018, this 4 Year CD has paid as much as 4.00% (Jul 2023) and as little as 0.60% (Feb 2021). It is currently above the median 4 Year CD rate we track (3.35% across 90 banks).

3.70% APY

up from 3.40% on Nov 6

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

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See the full PenFed Credit Union 4 Year CD rate history »

PenFed Credit Union CD Rate - 4 Year CD - Rate History

Now 3.70% APY

All-time high 4.00% (Jul 2023)
Low 0.60% (Feb 2021)
1-year change +0.50
41 changes
Tracked since Dec 2018
Full rate history »

The gray line is the median 4 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
February 9, 2025	3.20%	−0.70
December 21, 2023	3.90%	−0.10
July 30, 2023	4.00%	+0.10
November 17, 2022	3.90%	+0.25
October 26, 2022	3.65%	+0.15
October 5, 2022	3.50%	+0.50
September 25, 2022	3.00%	+0.20
August 7, 2022	2.80%	+0.05
July 11, 2022	2.75%	+0.15
June 8, 2022	2.60%	+0.25
May 26, 2022	2.35%	+0.10
April 20, 2022	2.25%	+0.80
March 29, 2022	1.45%	+0.50
December 14, 2021	0.95%	+0.15
November 29, 2021	0.80%	+0.05
October 13, 2021	0.75%	+0.15
February 15, 2021	0.60%	−0.05
October 2, 2020	0.65%	−0.05

Show all 41 changes

Date	APY	Change
August 3, 2020	0.70%	−0.15
July 2, 2020	0.85%	−0.20
June 12, 2020	1.05%	−0.05
May 29, 2020	1.10%	−0.05
May 11, 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%	−0.10
October 14, 2019	1.85%	−0.10
October 6, 2019	1.95%	−0.05
September 10, 2019	2.00%	−0.25
August 19, 2019	2.25%	−0.15
June 13, 2019	2.40%	−0.15
May 29, 2019	2.55%	−0.10
May 9, 2019	2.65%	+0.03
April 25, 2019	2.62%	−0.13
March 28, 2019	2.75%	−0.10
March 5, 2019	2.85%	−0.10
February 1, 2019	2.95%	−0.20
December 3, 2018	3.15%	first tracked

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Other 4 Year CD rates

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Common questions

What is the PenFed Credit Union 4 Year CD rate today?

The PenFed Credit Union 4 Year CD pays 3.70% APY as of November 9, 2026, checked 18 hours ago.

How does the PenFed Credit Union 4 Year CD compare with other 4 Year CDs?

It pays 3.70% APY. The median across the 90 4 Year CD rates RateBrain tracks is 3.35%, so it is 0.35 percentage points above the median.

What has the PenFed Credit Union 4 Year CD paid over time?

Since RateBrain began tracking it in 2018, it has paid as much as 4.00% (Jul 2023) and as little as 0.60% (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.