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

Current rates for Pentagon Federal Credit Union include: 12-Month CD: 2.80%, 18-Month CD: 2.90%, 24-Month CD: 2.90%, 60-Month CD: 2.90%, Savings: 0.01%

MonitorBankRates

☰

Home›
Credit Unions›
Pentagon Federal Credit Union

iAdvertiser Disclosure

Pentagon Federal Credit Union Rates & Review September 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: August 31, 2026

Pentagon Federal Credit Union's 1 Year CD rates are at 2.90%, 15 Month CD rates are at 2.90%, 18 Month CD rates are at 2.90%, 2 Year CD rates are at 2.90%, 3 Year CD rates are at 2.90%. Pentagon Federal Credit Union's savings rates are at 0.01%. 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 08/31/2026.

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 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.37%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Pentagon Federal Credit Union
Honolulu

4250 Radford Dr Bldg 63
Honolulu, HI 96818-3243

https://www.penfed.org

Pentagon Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Certificate	-	2.90%	1 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
15 Month Certificate	-	2.90%	15 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
18 Month Certificate	-	2.90%	18 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
2 Year Certificate	-	2.90%	2 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
3 Year Certificate	-	2.90%	3 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
4 Year Certificate	-	2.90%	4 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
5 Year Certificate	-	2.90%	5 Year
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
1 Year IRA Certificate IRA Certificates	2.76%	2.80%	1 Year IRA Certificate
Details $1,000 minimum balance to open Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
6 Month Certificate	-	2.70%	6 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Pentagon Federal Credit Union Savings Rates

Product	Rate	APY
Premium Online Savings	-	2.70%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Money Market Savings Account	0.05%	0.05%
Min Balance $100,000 Details $25 minimum balance to open Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Regular Savings	-	0.01%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Regular Share Account	0.01%	0.01%
Details $5 minimum balance to open Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Pentagon Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Certificates	2.68%	2.70%
Details $1,000 minimum balance to open Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%
Money Market Savings Account	0.05%	0.05%
Min Balance $100,000 Details $25 minimum balance to open Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

Pentagon Federal Credit Union Checking Rates

Product	Rate	APY	View More
Access America Checking	-	0.05%
Min Deposit $25 Details Qualifications Required: Set up a monthly direct deposit of $500 or more OR Maintain a daily balance of $500 or more; Earn dividends on your balance when you set up monthly direct deposits of $500 or more. Your entire balance up to $50,000 earns 0.05% APY. Account is a variable rate account. APY (Annual Percentage Yield) is valid as of last dividend declaration date of August 1, 2026 and subject to change at any time. Fees may reduce earnings on account. Minimum deposit of $25 required to open account. When an account is terminated prior to the end of a statement cycle, dividends will be paid if the aggregate deposit requirement is met on the date of account termination. Dividends are compounded monthly and paid monthly. Early access to direct deposit is available for all PenFed members that set up a direct deposit with their employer or other payor. Early direct deposit eligibility may vary between pay periods and timing of payor's funding. Have peace of mind knowing that PenFed won't hold you responsible for unauthorized transactions on your Visa debit card. Visa's Zero Liability policy applies to purchases made in the store, over the telephone, online, or via a mobile device. Visa's Zero Liability policy does not apply to transactions not processed by Visa. Rates and offers current as of August 1, 2026 and are subject to change. After account opening, a three business day waiting period applies for credit line advances. This account can only be accessed by overdraft from a checking account. No other types of advances are permitted. U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes. 2023 Early Warning Services, LLC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. VanillaDirect Pay is provided by InComm Financial Services, Inc. (NMLS# 912772), which is licensed as a Money Transmitter by the New York State Department of Financial Services. Terms and conditions apply. Web access is needed to use mobile banking and Add Cash in Store. Check with your service provider for details of specific fees and charges. Add Cash in Store transaction limits apply: For each member, the monthly limit for adding cash in store is $5,000 or no more than 10 transactions per month. The daily limit is $1,500. The first three (3) add Cash in Store transactions are free per month. After that, there is a $2 fee per transaction. Routine or unscheduled maintenance may impact accessibility. PenCheck Limited accounts are not eligible. PenFed Credit Union does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed above are not affiliated with PenFed Credit Union and are solely responsible for their products and services. All trademarks are the property of their respective owners. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.37%

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 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 amber line marks the 15% level a credit union must stay under 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 threshold

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
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
June 30, 2023	$35.5B	11.41%	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 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

Financials

MonitorBankRates 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

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

2026 MBR Health & Safety Badge

Pentagon Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/pentagon-federal-credit-union-rates-review-227">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Pentagon Federal Credit Union

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.