What are the current interest rates at Pentagon Federal Credit Union?

Current rates for Pentagon Federal Credit Union include: 12-Month CD: 3.10%, 18-Month CD: 3.10%, 24-Month CD: 3.00%, 60-Month CD: 2.90%

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Pentagon Federal Credit Union

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Pentagon Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pentagon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 4, 2026

Pentagon Federal Credit Union's 1 Year rates are at 3.10%, 15 Month rates are at 3.10%, 18 Month rates are at 3.10%, 2 Year rates are at 3.00%, 3 Year rates are at 3.00%. MonitorBankRates evaluates the financial stability of Pentagon Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.64%. Rates were last updated on 05/04/2026.

Pentagon Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pentagon Federal Credit Union? Share your experience about Pentagon Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pentagon Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.64%

Excellent Higher than avg

Pentagon Federal Credit Union
PenFed Corporate HQ Tyson Corner

7940 JONES BRANCH DR
McLean, VA 22102

https://www.penfed.org

Pentagon Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year	-	3.10%	1 Year
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
15 Month	-	3.10%	15 Month
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
18 Month	-	3.10%	18 Month
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
2 Year	-	3.00%	2 Year
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
3 Year	-	3.00%	3 Year
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
4 Year	-	2.90%	4 Year
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
5 Year	-	2.90%	5 Year
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
7 Year	-	2.90%	7 Year
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%
6 Month	-	2.70%	6 Month
No additional details. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.64%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Pentagon Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Pentagon Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Pentagon Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pentagon Federal Credit Union

Website https://www.penfed.org

Address 7940 JONES BRANCH DR, McLean, VA 22102

Phone 571-341-6706

Fax 571-341-6727

President Edward Cody

CEO James Schenck

Full-Time Employees 2,791

Part-Time Employees 25

Branch Locations 37

ATM Locations 51

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.64%

Return on Assets (ROA)

0.3809%

Return on Equity (ROE)

3.5547%

Non-Performing Loans Ratio (NPL)

1.46%

Total Assets

29,352,107,429

Total Amount of Shares and Deposits

25,418,435,766

Total Shares and Deposits < 1 Year

21,891,254,625

Total Shares and Deposits 1 3 Years

2,749,242,364

Total Shares and Deposits > 3 Years

777,938,777

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,211,819,818

Total Uninsured Shares and Deposits > $250K (F+J)

3,211,819,818

Total Insured Shares and Deposits > $250K (item 17 less item K)

22,206,615,948

Total Interest Expense (Sum of items 6 8)

483,950,509

Share Certificates

241,918

Number of Accounts for Share Drafts

548,271

IRA KEOGH Accounts

102,884

Number of Accounts for Regular Shares

3,019,614

All other shares

11,495

Non Member Deposits

Money Market Shares

78,583

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

480,530,269

Total Liabilities

26,490,675,971

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Pentagon Federal Credit Union

How many branches does Pentagon Federal Credit Union operate?

Pentagon Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Pentagon Federal Credit Union?

Yes, to access services at Pentagon Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Pentagon Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pentagon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Pentagon Federal Credit Union offer online and mobile banking?

Most modern institutions like Pentagon Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.penfed.org.