Credit union · NCUA insured
PEPCO Federal Credit Union CD Rates
PEPCO Federal Credit Union’s best CD rate is 5.12% APY on a 5-month share certificate (CD). Terms run from 5 months to 3 years. Rates checked October 22, 2026.
How PEPCO Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where PEPCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PEPCO Federal Credit Union
3.81%APY
- Term
- 12 months
- Minimum
- $50
- Earns on $10,000
- $381
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
PEPCO Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.57%
- 9–15 months9–15 mo3.81%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo2.01%
- QualifiedQualified3.81%
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 PEPCO Federal 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.
Share Certificates
Up to 3.81%APY · 5 terms
Minimum Deposit $50. Upon maturity, renewal term will be 12-month term at the dividend rate in effect at the time of renewal unless otherwise directed. Early withdrawal penalties apply and may reduce earnings. Limited-time offer subject to change at any time without notice.
| Term | APY · Up to $5,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 months5-Month-add on. Limited to one per member and a maximum of $5,000. Minimum Deposit $50. Upon maturity, renewal term will be 12-month term. Early withdrawal penalties apply | 5.12% | — | —5.12% to $5k | — |
| 6 months6-Month-add on. Minimum deposit $50. Upon maturity, renewal term will be 12-month term. Early withdrawal penalties apply | — | 3.57% | 3.57% | $177 |
| 12 months12-Month-add on. Minimum deposit $50. Upon maturity, renewal term will be 12-month term. Early withdrawal penalties apply | — | 3.81% | 3.81% | $381 |
| 24 months24-Month-$1000 min deposit. Upon maturity, renewal term will be 12-month term. Early withdrawal penalties apply | — | 3.04% | 3.04% | $617 |
| 36 months36-Month-$1000 min deposit. Upon maturity, renewal term will be 12-month term. Early withdrawal penalties apply | — | 2.01% | 2.01% | $615 |
Sources (1)
- pepcofcu.org/img/rates/PEPCO%2…hedule%20June%202025.pdf · captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.81%APY · 3 terms
$500 min. balance / deposit. Available for Traditional, Roth, and SEP IRAs. Eligible for 2025/2026 contributions. Early withdrawal penalties apply and may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-Month IRA Share Certificate. Eligible for 2025/2026 contributions. Early withdrawal penalties apply | 3.81% | $381 |
| 24 months24-Month IRA Share Certificate. Eligible for 2025/2026 contributions. Early withdrawal penalties apply | 3.04% | $617 |
| 36 months36-Month IRA Share Certificate. Eligible for 2025/2026 contributions. Early withdrawal penalties apply | 2.01% | $615 |
Sources (1)
- pepcofcu.org/img/rates/PEPCO%2…hedule%20June%202025.pdf · captured Oct 15, 2026
Who can join PEPCO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Permanent full-time employees of PEPCO Federal Credit Union are eligible for membership.
- Permanent full time employees of the Potomac Electric Power Company, PHI, or its corporate Affiliates working in Washington D.C., Maryland, or Virginia are eligible for membership.
- Organizations composed exclusively of individuals within the Credit Union's field of membership are eligible.
- Members of PEPCO FCU who are no longer employed by Potomac Electric Power Company, PHI, its Corporate Affiliates, or PEPCO FCU and retain their membership remain eligible.
Family and household
- Family members of eligible persons, including parents, grandparents, husband, wife, children, grandchildren, brothers, and sisters, are eligible for membership.
Other ways
- Retirees are eligible for membership.
Membership information collected October 4, 2026.