PenFed Credit Union CD Rate - 5 Year Credit union

PenFed Credit Union's 5 Year CD pays 3.80% APY as of November 13, 2026, checked 1 hour 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 above the median 5 Year CD rate we track (3.41% across 113 banks).

3.80% APY

up from 3.50% on Nov 6

Last checked: Nov 13 · 1 hour ago
Minimum deposit: $1,000

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See the full PenFed Credit Union 5 Year CD rate history »

PenFed Credit Union CD Rate - 5 Year CD - Rate History

Now 3.80% APY

All-time high 4.00% (Jul 2023)
Low 0.80% (Sep 2020)
1-year change +0.90
73 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
November 6, 2026	3.80%	+0.30
October 12, 2026	3.50%	+0.30
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

Show all 73 changes

Date	APY	Change
October 3, 2019	1.95%	−0.10
September 11, 2019	2.05%	−0.25
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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Common questions

What is the PenFed Credit Union 5 Year CD rate today?

The PenFed Credit Union 5 Year CD pays 3.80% APY as of November 13, 2026, checked 1 hour ago.

How does the PenFed Credit Union 5 Year CD compare with other 5 Year CDs?

It pays 3.80% APY. The median across the 113 5 Year CD rates RateBrain tracks is 3.41%, so it is 0.39 percentage points above the median.

What has the PenFed Credit Union 5 Year CD paid over time?

Since RateBrain began tracking it in 2009, it has paid as much as 4.00% (Jul 2023) and as little as 0.80% (Sep 2020).

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.