Credit union · NCUA insured
PenAir Credit Union CD Rates
Top CarrotPenAir Credit Union’s best CD rate is 4.20% APY on a 17-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How PenAir Credit Union’s CD rates compare
Compared with banks and credit unions near Pensacola, FL, where PenAir Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PenAir Credit Union
4.20%APY
- Term
- 17 months
- Minimum
- —
- Earns on $10,000
- $600
Certificate Account
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
PenAir Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.11%
- 9–15 months9–15 mo2.35%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo2.85%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where PenAir Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Account
Up to 4.20%APY · 11 terms
Open to those who live, work, go to school, or worship in 17 counties from Mobile County, Alabama to Leon County, Florida. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies | 2.10% | $52 |
| 6 monthsEarly withdrawal penalty applies | 2.20% | $109 |
| 8 monthsEarly withdrawal penalty applies | 4.11% | $272 |
| 12 monthsEarly withdrawal penalty applies | 2.35% | $235 |
| 15 monthsAdd-On Certificate: able to continuously add money before certificate matures. Early withdrawal penalty applies | 2.35% | $295 |
| 17 monthsEarly withdrawal penalty applies | 4.20% | $600 |
| 18 monthsEarly withdrawal penalty applies | 2.40% | $362 |
| 24 monthsEarly withdrawal penalty applies | 2.55% | $517 |
| 36 monthsEarly withdrawal penalty applies | 2.65% | $816 |
| 48 monthsEarly withdrawal penalty applies | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty applies | 2.85% | $1,509 |
Sources (1)
- penair.org/personal/certificates-accounts · captured Oct 5, 2026
Special-purpose accounts
Certificate IRA
Up to 4.20%APY · 3 terms
Available as Traditional IRA or Roth IRA wrappers. Open to those who live, work, go to school, or worship in 17 counties from Mobile County, Alabama to Leon County, Florida. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsApplies to Traditional IRA and Roth IRA Certificate accounts. Early withdrawal penalty applies | 2.20% | $109 |
| 8 monthsApplies to Traditional IRA and Roth IRA Certificate accounts. Early withdrawal penalty applies | 4.11% | $272 |
| 17 monthsApplies to Traditional IRA and Roth IRA Certificate accounts. Early withdrawal penalty applies | 4.20% | $600 |
Who can join PenAir Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open an account if you live, work, go to school, or worship in 19 counties from Mobile County, Alabama to Leon County, Florida.
- Open an account if you live, work, go to school, or worship in one of 24 counties and cities served from Mobile County, Alabama to Leon County, Florida and southwest Virginia.
Membership information collected October 5, 2026.