PenFed Credit Union CD Rate - 5 Year Credit union

PenFed Credit Union's 5 Year CD pays 3.20% APY as of September 25, 2026, checked 3 days ago. Since RateBrain began tracking it in 2009, this 5 Year CD has paid as much as 4.00% (Jul 2023) and as little as 0.80% (Sep 2020). It is currently below the median 5 Year CD rate we track (3.40% across 78 banks).

3.20% APY

up from 2.90% on Sep 25

Last checked: Sep 25 · 3 days ago
Minimum deposit: $1,000

View on PenFed Credit Union’s website »See all PenFed Credit Union rates »

Rate history

Now 3.20% APY

All-time high 4.00% (Jul 2023)
Low 0.80% (Sep 2020)
1-year change +0.10
71 changes
Tracked since Oct 2009
Full rate history »

The gray line is the median 5 Year CD rate across the banks we tracked each month.

Rate changes

Date	APY	Change
September 25, 2026	3.20%	+0.30
September 30, 2025	2.90%	−0.20
April 12, 2025	3.10%	−0.10
May 10, 2024	3.20%	−0.30
April 6, 2024	3.50%	−0.30
March 5, 2024	3.80%	−0.20
July 31, 2023	4.00%	+0.10
December 25, 2022	3.90%	+3.10
September 11, 2020	0.80%	−0.10
August 5, 2020	0.90%	−0.10
July 1, 2020	1.00%	−0.20
June 10, 2020	1.20%	−0.05
May 6, 2020	1.25%	−0.05
March 28, 2020	1.30%	−0.08
March 13, 2020	1.38%	−0.32
March 5, 2020	1.70%	−0.05
February 10, 2020	1.75%	−0.10
October 9, 2019	1.85%	−0.10
October 3, 2019	1.95%	−0.10
September 11, 2019	2.05%	−0.25

Show all 71 changes

Date	APY	Change
August 19, 2019	2.30%	−0.15
June 14, 2019	2.45%	−0.15
May 29, 2019	2.60%	−0.15
April 26, 2019	2.75%	−0.15
March 27, 2019	2.90%	−0.15
March 7, 2019	3.05%	−0.10
February 4, 2019	3.15%	−0.20
January 21, 2019	3.35%	−0.15
December 5, 2018	3.50%	+0.20
October 2, 2018	3.30%	+0.30
June 1, 2018	3.00%	+0.26
May 9, 2018	2.74%	+0.06
March 8, 2018	2.68%	+0.25
February 14, 2018	2.43%	+0.16
November 5, 2017	2.27%	+0.15
April 11, 2017	2.12%	+0.05
March 13, 2017	2.07%	−0.10
February 7, 2017	2.17%	−0.11
January 15, 2017	2.28%	+0.77
December 30, 2016	1.51%	−0.10
November 29, 2016	1.61%	+0.30
October 24, 2016	1.31%	+0.10
July 2, 2016	1.21%	−0.20
February 27, 2016	1.41%	−0.10
May 5, 2015	1.51%	−0.10
February 2, 2015	1.61%	−0.15
November 12, 2014	1.76%	−0.36
October 5, 2014	2.12%	+0.91
August 27, 2014	1.21%	−0.10
June 1, 2014	1.31%	−0.20
April 7, 2014	1.51%	−0.25
March 4, 2014	1.76%	−0.26
February 4, 2014	2.02%	−1.02
December 6, 2013	3.04%	+1.02
October 1, 2013	2.02%	+0.46
September 22, 2013	1.56%	+0.41
May 10, 2013	1.15%	−0.25
April 16, 2013	1.40%	−0.25
March 18, 2013	1.65%	−0.15
December 14, 2012	1.80%	+0.09
August 15, 2012	1.71%	−0.19
June 13, 2012	1.90%	−0.10
March 15, 2012	2.00%	−0.25
March 2, 2011	2.25%	−0.25
January 7, 2011	2.50%	−0.25
September 1, 2010	2.75%	−0.25
April 1, 2010	3.00%	−0.50
January 1, 2010	3.50%	+0.50
November 15, 2009	3.00%	+0.50
November 3, 2009	2.50%	−0.50
October 31, 2009	3.00%	first tracked

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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.