Credit union · NCUA insured
Peninsula Credit Union CD Rates
Peninsula Credit Union’s best CD rate is 3.65% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Peninsula Credit Union’s CD rates compare
Compared with banks and credit unions near Bremerton, WA, where Peninsula Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peninsula Credit Union
3.65%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $743
Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
First Fed Bank
4.20%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $456
Peninsula Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.65%
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 Peninsula 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.
Certificates
Up to 3.65%APY · 9 terms
Rates fixed for the term of certificate (excluding bump rate). Minimum opening balance is $500, or $100 for members 0-23 years of age. Dividends compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance $500 ($100 for members 0-23 years of age) | 3.20% | $159 |
| 12 monthsMinimum balance $500 ($100 for members 0-23 years of age) | 3.50% | $350 |
| 18 monthsMinimum balance $500 ($100 for members 0-23 years of age) | 3.50% | $530 |
| 24 monthsMinimum balance $500 ($100 for members 0-23 years of age) | 3.65% | $743 |
| 26 monthsAdd-on Certificate. Additional deposits of $500.00 or more permitted at any time during initial term. Minimum balance $500 ($100 for members 0-23 years of age) | 2.25% | $494 |
| 30 monthsBump-Rate Certificate. Minimum balance $500 ($100 for members 0-23 years of age) | 2.25% | $572 |
| 36 monthsMinimum balance $500 ($100 for members 0-23 years of age) | 2.50% | $769 |
| 48 monthsMinimum balance $500 ($100 for members 0-23 years of age) | 2.50% | $1,038 |
| 60 monthsMinimum balance $500 ($100 for members 0-23 years of age) | 2.50% | $1,314 |
Sources (1)
- pcfcu.org/iras-and-certificates · captured Oct 15, 2026
Save to Win Share Certificate
3.50%APY · 1 term
Only available to members age 18 and older. For every $25 deposited, entries are earned for prize drawings (up to 10 entries per month). Additional deposits of any amount permitted. One withdrawal allowed in the 12-month period (a $25 withdrawal fee may apply).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be 18 years of age or older. $25 minimum balance | 3.50% | $350 |
Sources (3)
- pcfcu.org/faq/can-i-withdraw-m…to-win-share-certificate
- pcfcu.org/iras-and-certificates
- pcfcu.org/savings
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.65%APY · 9 terms
Available for all terms excluding Save to Win Certificates and Specials. Annual fee of $12 applies to IRAs. Minimum balance is $500, or $100 for members 0-23 years of age.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 3.20% | $159 |
| 12 monthsMinimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 3.50% | $350 |
| 18 monthsMinimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 3.50% | $530 |
| 24 monthsMinimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 3.65% | $743 |
| 26 monthsAdd-on Certificate. Additional deposits of $500.00 or more permitted during initial term. Minimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 2.25% | $494 |
| 30 monthsBump-Rate Certificate. Minimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 2.25% | $572 |
| 36 monthsMinimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 2.50% | $769 |
| 48 monthsMinimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 2.50% | $1,038 |
| 60 monthsMinimum balance $500 ($100 for members 0-23 years of age). $12 annual fee for IRAs | 2.50% | $1,314 |
Who can join Peninsula Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Kitsap, Mason, Jefferson, Clallam or Grays Harbor counties.
Family and household
- Membership is open to family members of a current member.
Cost to join
- A minimum opening deposit of $5 is required to join.
Membership information collected October 4, 2026.