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

Current rates for Pentagon Federal Credit Union include: 12-Month CD: 2.90%, 18-Month CD: 2.90%, 24-Month CD: 3.20%, 60-Month CD: 3.20%, Savings: 2.70%

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Pentagon Federal Credit Union

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Pentagon Federal Credit Union Rates & Review October 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 and Verified: October 7, 2026

Pentagon Federal Credit Union's top rates as of October 7, 2026 are 3.20% APY on its 2 Year CD, 2.70% APY on savings, 0.05% APY on checking, and auto loans from 4.19% APR, according to rates verified by MonitorBankRates. Other Pentagon Federal Credit Union CD rates include 3 Year CD at 3.20%, 4 Year CD at 3.20%, and 5 Year CD at 3.20%. 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 6.53%. Rates last updated and verified on 10/07/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.53%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Pentagon Federal Credit Union
PenFed Corporate HQ-Tyson Corner

7940 JONES BRANCH DR
McLean, VA 22102

https://www.penfed.org

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Pentagon Federal Credit Union CD Rates

Product	Rate	APY	Term
2 Year Certificate	-	3.20%	2 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90% Sep 18, 20263.20%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
3 Year Certificate	-	3.20%	3 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90% Sep 18, 20263.20%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
4 Year Certificate	-	3.20%	4 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90% Sep 18, 20263.20%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
5 Year Certificate	-	3.20%	5 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90% Sep 18, 20263.20%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
2 Year IRA Certificate	3.06%	3.10%	2 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
3 Year IRA Certificate	3.06%	3.10%	3 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
4 Year IRA Certificate	3.06%	3.10%	4 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
5 Year IRA Certificate	3.06%	3.10%	5 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
1 Year Certificate	-	2.90%	1 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
15 Month Certificate	-	2.90%	15 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
18 Month Certificate	-	2.90%	18 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
1 Year IRA Certificate	2.76%	2.80%	1 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
6 Month Certificate	-	2.70%	6 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

Pentagon Federal Credit Union Savings Rates

Product	Rate	APY
Premium Online Savings Account	2.67%	2.70%
Min Balance $5 Details Balance: $5 minimum balance to open Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
Money Market Savings Account	0.05%	0.05%
Min Balance $25 Details Balance: $25 minimum balance to open; Balance $100,000 or more Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
Regular Savings	-	0.01%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
Regular Share Account	0.01%	0.01%
Min Balance $5 Details Balance: $5 minimum balance to open Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

Pentagon Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Certificate	2.68%	2.70%
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
Money Market Savings Account	0.05%	0.05%
Min Balance $25 Details Balance: $25 minimum balance to open; Balance $100,000 or more Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

Pentagon Federal Credit Union Checking Rates

Product	Rate	APY	View More
Access America Checking Account	0.05%	0.05%
Min Balance $25 Details Balance: $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.; Balance less than $20,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

Pentagon Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	7.00%
Details Rates as low as Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

Pentagon Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto	-	-	4.19%
Details Rates as low as Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 4.19% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

Pentagon Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
1 Year Money Market Certificate	2.86%	-	2.90%	1 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
15 Month Money Market Certificate	2.86%	-	2.90%	15 Month
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
18 Month Money Market Certificate	2.86%	-	2.90%	18 Month
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
2 Year Money Market Certificate	3.15%	-	3.20%	2 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
2 Year Money Market Certificate	-	-	3.20%	2 Years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
3 Year Money Market Certificate	3.15%	-	3.20%	3 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
3 Year Money Market Certificate	-	-	3.20%	3 Years
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
4 Year Money Market Certificate	3.15%	-	3.20%	4 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
5 Year Money Market Certificate	3.15%	-	3.20%	5 Year
Min Balance $1,000 Details Balance: $1,000 minimum balance to open Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
IRA Premier Account	0.01%	-	0.01%
Min Balance $10,000 Details Balance: $10,000 minimum balance to open; Balance $10,000 or more Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
IRA Share Account	0.01%	-	0.01%
Min Balance $25 Details Balance: $25 Minimum Balance to Open Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Pentagon Federal Credit Union’s Texas Ratio fell from 10.71% in Q3 2023 to 6.53% in Q2 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$29.2B	6.53%	5.0	A
March 31, 2026	$29.4B	8.37%	5.0	A
December 31, 2025	$29.3B	8.18%	5.0	A
September 30, 2025	$29.4B	8.82%	5.0	A
June 30, 2025	$30.0B	7.94%	5.0	A
March 31, 2025	$30.6B	8.27%	5.0	A
December 31, 2024	$31.0B	8.70%	5.0	A
September 30, 2024	$32.7B	11.82%	5.0	A
June 30, 2024	$33.5B	12.61%	5.0	A
March 31, 2024	$34.4B	13.26%	5.0	A
December 31, 2023	$34.8B	8.77%	5.0	A
September 30, 2023	$35.4B	10.71%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 2,754

Part-Time Employees 17

Branch Locations 38

ATM Locations 39

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.53%

Return on Assets (ROA)

0.4934%

Return on Equity (ROE)

4.6018%

Non-Performing Loans Ratio (NPL)

1.07%

Total Assets

29,196,092,863

Total Amount of Shares and Deposits

25,086,916,258

Total Shares and Deposits < 1 Year

22,228,756,567

Total Shares and Deposits 1 3 Years

2,500,506,692

Total Shares and Deposits > 3 Years

357,652,999

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

3,243,749,325

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

3,243,749,325

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

21,843,166,933

Total Interest Expense (Sum of items 6 8)

269,533,298

Share Certificates

208,377

Number of Accounts for Share Drafts

597,510

IRA KEOGH Accounts

95,366

Number of Accounts for Regular Shares

3,053,716

All other shares

11,077

Non Member Deposits

Money Market Shares

75,169

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)

443,853,119

Total Liabilities

26,126,360,767

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pentagon Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer 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.