Bank Reviews

Pentagon Federal Credit Union (PenFed) Review, Rates: CDs, Savings, Money Market, Mortgages

PenFed is a sustainable financial institution, serving more than 1,046,583 members in the Air Force, Army, Coast Guard, Department of Homeland Security, Department of Defense, defense-related companies and the Veterans of Foreign Wars. They have proven to be a strong and safe establishment with more than $15 billion in assets and by providing user friendly services. Since being federally chartered in 1935, they have been offering and improving the deposit accounts and other banking services they offer, which include credit cards and loans.

The dynamic cliental of this financial institution calls for convenience and PenFed delivers in a spectacular way. They help service their customers worldwide, seven days week, 24 hours a day with their online banking services. PenFed also serves their cliental by telephone and at branches that are located in the Washington D.C. area, Hawaii, New York, Texas, North Carolina, as well as over seas.

PenFed is comprised of member-owners and is headed by a volunteer Board of Directors. Each director that wants to volunteer goes through training and provides relevant, knowledgeable advice to the credit union. The board members meet monthly to discuss important matters, such as implanting changes to policies or overseeing management. PenFed strives to provide their customers with the best possible service and these board members make it possible.

PenFed has an easy online application to consider your eligibly or you can visit one of their many locations.

Checking accounts: PenFed is able to offer exclusive checking account privileges to members and does so with their Complete Access Checking Account, Warriors Advantage account and Student Checking Account. PenFed advertises Complete Access Checking Account as an account with extra benefits you may not expect. You are able to deposit checks online with their Deposit Anywhere Home Deposit Service, an automatic $500 line of overdraft protection or no holds are placed on check deposits of $3,000 or less. The Warriors Advantage account is a new money-saving feature for members in the Active, Reserve and National Guard components of our uniformed services. With this account, it waives the fees on PenFed checking accounts in case of insufficient or uncollected funds and returned ACHs.

Savings accounts: PenFed is able to offer their Regular Share Savings Account, Money Market Savings Account and CDs as a way for their customers to securely save their money. The Regular Share Savings Account is a must have as this is how you will earn membership with PenFed. All it takes is a low $5 initial deposit and you can start earning exclusive benefits and rates. The Money Market Savings Account is for those who have larger balances and would like to see a larger return. The interest is tired, so there is more opportunity to earn larger with larger deposits.

[tab:CDs]
Pentagon Federal Credit Union (PenFed) CD Rates

PenFed offers Money Market CDs that offer higher yields and a low minimum deposit of $1,000. The terms are varying; however, you can lock-in your rate for the term of the CD. The Money Market CDs are also under constant protection and backed by the National Credit Administration up to $250,000. Automatic renewal is a feature that is available to these CD accounts; otherwise you can call or write with other instructions. You can easily start saving for the future with these easy-to-main CD accounts.

Coverdell Education Savings CDs are also offered by PenFed for those who need to invest wisely for future educational expenses. It only takes $500 to open. PenFed also has their own Education Savings Account which can be opened with as little as $25. You are allowed to contribute up to $2,000 a year per child and you can also use automatic transfer services to add to your child’s Education Savings Account.

PenFed: Money Market CDs – as of October 2011

  • 6 Month – 0.50% APY
  • 1 Year – 0.99% APY
  • 2 Year – 1.25% APY
  • 3 Year – 1.50% APY
  • 4 Year – 2.00% APY
  • 5 Year – 2.25% APY
  • 7 Year – 2.75% APY

PenFed: Coverdell Education Savings Account – as of 10/4/11

  • 1 Year – 0.99% Interest Rate – 0.99% APY
  • 2 Year – 1.24% Interest Rate – 1.25% APY
  • 3 Year – 1.49% Interest Rate – 1.50% APY
  • 4 Year – 1.98% Interest Rate – 2.00% APY
  • 5 Year – 2.23% Interest Rate – 2.25% APY
  • 7 Year – 2.72% Interest Rate – 2.75% APY

Terms & Conditions: A penalty will be imposed for early withdrawal from certificates. This fee could reduce your earnings.

[tab:Savings Accounts]

Pentagon Federal Credit Union (PenFed) Savings Rates

PenFed is able to offer their customers their Regular Share Savings account. The account is basis and simple. It takes an initial $5 deposit to open the account and acts as your membership fee. The Regular Share Savings account is designed for easy transfers, plus it earns interest from the day of your deposit to the day of withdrawal. The interest on the account is credited and compounded monthly.

PenFed: Regular Share Savings Account – as of October 2011

  • 0.19% APY

Terms & Conditions: Rate is subject to change at anytime and fees could reduce earnings.

[tab:Money Markets]

Pentagon Federal Credit Union (PenFed) Money Market Rates

PenFed is able to bring to their customers the Pentagon Federal Credit Union Money Market Savings account (MMSA) to help them give a boost to their savings. Since the account is based off tiered interest rates, you will earn more with a larger balance. The account is also insured by the National Credit Union Administration up to $250,000. The MMSA doesn’t include regular service fees because PenFed wants your money to work for you. Also, there isn’t a minimum deposit or withdrawal amount or minimum balance penalty fees. You can open your account with a low $25 opening deposit if you would like. Plus, MMSA is easy to access and you’ll receive a free supply of checks with no minimum check-writing amount.

PenFed: Money Marker Savings Account – as of October 2011

  • < $10,000 – 0.10% Interest Rate – 0.09% APY
  • $10,000-$49,999 – 0.20% Interest Rate – 0.20% APY
  • $50,000-$99,999 – 0.25% Interest Rate – 0.25% APY
  • $100,000 and more – 0.35% Interest Rate – 0.35% APY

Terms & Conditions: Rates are subject to change without notice. Allowed up to six withdrawals per monthly dividend cycle. Fees may reduce earnings.

[tab:Mortgages]

Pentagon Federal Credit Union (PenFed) Mortgage Rates

PenFed is diligent when helping you with the mortgage process. They offer knowledgeable mortgage advisors, plus some of the greatest perks a financial institution can offer. They can help fulfill your mortgage needs with any of their available loans and they can help in any stage of the home buying or selling process. That’s right – PenFed Realty is a member of the Pentagon Federal Credit Union family. This is truly one financial institution that can help from selling your home to buying or refinancing another.

PenFed: Special 5/5 ARM Conforming Loan – as of 10/4/11

  • 3.625% Interest Rate – 3.173% APR
  • 3.500% Interest Rate – 0.250 Points – 3.150% APR
  • 3.375% Interest Rate – 0.625 Points – 3.136% APR

PenFed: Special 5/5 ARM Jumbo Loan – as of 10/4/11

  • 3.625% Interest Rate – 3.143% APR
  • 3.500% Interest Rate – 0.250 Points – 3.119% APR
  • 3.375% Interest Rate – 0.625 Points – 3.105% APR

PenFed: Fixed Conventional Conforming Loans – as of 10/4/11

  • 30 Year – 3.875% Interest Rate – 3.998% APR
  • 30 Year – 3.750% Interest Rate – 0.625 Points – 3.925% APR
  • 30 Year – 3.625% Interest Rate – 1.750 Points – 3.898% APR
  • 20 Year – 3.750% Interest Rate – 3.921% APR
  • 20 Year – 3.625% Interest Rate – 0.125 Points – 3.809% APR
  • 20 Year – 3.500% Interest Rate – 1.375 Points – 3.829% APR
  • 15 Year – 3.250% Interest Rate – 3.466% APR
  • 15 Year – 3.125% Interest Rate – 0.375 Points – 3.396% APR
  • 15 Year – 3.000% Interest Rate – 1.375 Points – 3.418% APR

PenFed: Jumbo Fixed Conforming Loans – as of 10/4/11

  • 15 Year – 4.000% Interest Rate – 4.014% APR
  • 15 Year – 3.875% Interest Rate – 0.375 Points – 3.945% APR
  • 15 Year – 3.750% Interest Rate – 1.375 Points – 3.968% APR

PenFed: Adjustable Rate Mortgages – as of 10/4/11

  • 1/1 ARM Conforming Loan – 2.500% Interest Rate – 2.884% APR
  • 3/1 ARM Conforming Loan – 3.000% Interest Rate – 2.940% APR
  • 3/1 ARM Conforming Loan – 2.875% Interest Rate – 0.125 Points – 2.922% APR
  • 3/1 ARM Conforming Loan – 2.750% Interest Rate – 0.375 Points – 2.915% APR
  • 5/1 ARM Conforming Loan – 3.625% Interest Rate – 3.173% APR
  • 5/1 ARM Conforming Loan – 3.500% Interest Rate – 0.250 Points – 3.150% APR
  • 5/1 ARM Conforming Loan – 3.375% Interest Rate – 0.625 Points – 3.136% APR
  • 5/1 ARM Conforming Loan 40 Year Amortization – 3.875% Interest Rate – 3.189% APR
  • 5/1 ARM Conforming Loan 40 Year Amortization – 3.750% Interest Rate – 0.250 Points – 3.169% APR
  • 5/1 ARM Conforming Loan 40 Year Amortization – 3.625% Interest Rate – 0.625 Points – 3.157% APR
  • 7/1 ARM Conforming Loan – 4.000% Interest Rate – 3.438% APR
  • 7/1 ARM Conforming Loan – 3.875% Interest Rate – 0.250 Points – 3.399% APR
  • 7/1 ARM Conforming Loan – 3.750% Interest Rate – 0.625 Points – 3.370% APR
  • 10/1 ARM Conforming Loan – 4.250% Interest Rate – 3.765% APR
  • 10/1 ARM Conforming Loan – 4.125% Interest Rate – 0.125 Points – 3.696% APR
  • 10/1 ARM Conforming Loan – 4.000% Interest Rate – 0.375 Points – 3.638% APR

PenFed: Jumbo ARMs – as of 10/4/11

  • 1/1 ARM Jumbo Loan – 2.500% Interest Rate – 2.854% APR
  •  3/1 ARM Jumbo Loan – 3.625% Interest Rate – 3.046% APR
  •  3/1 ARM Jumbo Loan – 3.500% Interest Rate – 0.125 Points – 3.029% APR
  •  3/1 ARM Jumbo Loan – 3.375% Interest Rate – 0.375 Points – 3.021% APR
  •  5/1 ARM Jumbo Loan – 3.625% Interest Rate – 3.143% APR
  •  5/1 ARM Jumbo Loan – 3.500% Interest Rate – 0.250 Points – 3.199% APR
  •  5/1 ARM Jumbo Loan – 3.375% Interest Rate – 0.625 Points – 3.105% APR
  •  5/1 ARM Jumbo Loan 40 Year Amortization – 3.875% Interest Rate – 3.164% APR
  •  5/1 ARM Jumbo Loan 40 Year Amortization – 3.750% Interest Rate – 0.250 Points – 3.144% APR
  •  5/1 ARM Jumbo Loan 40 Year Amortization – 3.625% Interest Rate – 0.625 Points – 3.132% APR
  •  7/1 ARM Jumbo Loan – 4.625% Interest Rate – 3.708% APR
  •  7/1 ARM Jumbo Loan – 4.500% Interest Rate – 0.250 Points – 3.668% APR
  •  7/1 ARM Jumbo Loan – 4.375% Interest Rate – 0.625 Points – 3.639% APR
  •  10/1 ARM Jumbo Loan – 4.875% Interest Rate – 4.135% APR
  •  10/1 ARM Jumbo Loan – 4.750% Interest Rate – 0.125 Points – 4.065% APR
  •  10/1 ARM Jumbo Loan – 4.625% Interest Rate – 0.375 Points – 4.005% APR

PenFed: VA Fixed Mortgage Loans – as of 10/4/11

  • 30 Year – 3.875% Interest Rate – 4.231% APR
  • 30 Year – 3.750% Interest Rate – 0.625 Points – 4.158% APR
  • 30 Year – 3.625% Interest Rate – 1.750 Points – 4.129% APR
  • 15 Year – 3.500% Interest Rate – 4.129% APR
  • 15 Year – 3.375% Interest Rate – 0.375 Points – 4.060% APR
  • 15 Year – 3.250% Interest Rate – 1.375 Points – 4.088% APR

Terms & Conditions: All Fixed Rate Mortgages, except the 15-Year Jumbo, carry a 1% Origination Fee. All rates and offers are as of October 4, 2011 and subject to change without notice. To receive advertised product, you must become a member of Pentagon Federal Credit Union (PenFed) by opening a share (savings) account.

[tab:END]

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