Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Pentagon Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
Pentagon Federal Credit Union's 2 Year CD rates are at 3.20%, 3 Year CD rates are at 3.20%, 4 Year CD rates are at 3.20%, 5 Year CD rates are at 3.20%, 2 Year IRA CDs rates are at 3.10%. Pentagon Federal Credit Union's savings rates are at 0.01%. Pentagon Federal Credit Union's Auto Loan Rates are as low as 4.19%. 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 8.37%. Rates last updated and verified on 09/18/2026. 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. Pentagon Federal Credit Union
Honolulu 4250 Radford Dr Bldg 63
https://www.penfed.org Honolulu, HI 96818-3243 
Pentagon Federal Credit Union CD Rates
Pentagon Federal Credit Union Savings Rates
Pentagon Federal Credit Union Money Market Rates
Pentagon Federal Credit Union Checking Rates
Pentagon Federal Credit Union Home Equity & HELOC
Pentagon Federal Credit Union Auto Loan Rates
Pentagon Federal Credit Union Other Rates
Financial Health HistoryPentagon Federal Credit Union’s Texas Ratio fell from 11.41% in Q2 2023 to 8.37% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
4250 Radford Dr Bldg 63,
Honolulu, HI 96818-3243
Phone
571-341-6706
Fax
571-341-6727
President
Edward Cody
CEO
James Schenck
Full-Time Employees
2,776
Part-Time Employees
20
Branch Locations
37
ATM Locations
39
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.37%
Return on Assets (ROA)
0.3159%
Return on Equity (ROE)
3.0157%
Non-Performing Loans Ratio (NPL)
1.33%
Total Assets
29,396,724,251
Total Amount of Shares and Deposits
25,264,625,213
Total Shares and Deposits < 1 Year
21,864,880,959
Total Shares and Deposits 1 3 Years
2,909,198,011
Total Shares and Deposits > 3 Years
490,546,241
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,179,875,855
Total Uninsured Shares and Deposits > $250K (F+J)
3,179,875,855
Total Insured Shares and Deposits > $250K (item 17 less item K)
22,084,749,358
Total Interest Expense (Sum of items 6 8)
135,701,309
Share Certificates
219,029
Number of Accounts for Share Drafts
579,123
IRA KEOGH Accounts
97,694
Number of Accounts for Regular Shares
3,048,720
All other shares
11,964
Non Member Deposits
9
Money Market Shares
76,307
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
463,987,337
Total Liabilities
26,374,415,604
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Pentagon Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Pentagon Federal Credit Union
Frequently Asked Questions About Pentagon Federal Credit UnionHow 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. Current Pentagon Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Community Resource Credit Union
Telco Triad Community Credit Union
Tarrant Countys Credit Union
Associated Healthcare Credit Union
Alpha Credit Union
Roswell Community Federal Credit Union
Radius Federal Credit Union
Employees Federal Credit Union
Huntington West Va Firemens Federal Credit Union
Ups Credit Union
IBEW 26 Federal Credit Union
Kraftman Federal Credit Union
Pheple Federal Credit Union
ANG Federal Credit Union
Hawaii First Federal Credit Union
PEPCO Federal Credit Union
G G W Federal Credit Union
Chrome Federal Credit Union
Kahului Federal Credit Union
BEKA Federal Credit Union
PUD Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking