Savings Accounts Overview
  • *Please see 'Details and Disclosures' below for important account information.


  • Regular Savings Account

    Regular Savings Account



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    • Establishes your PenFed membership
    • Dividends compounded daily and credited monthly
     0.05% APY 
    • Easily transfer funds to your accounts
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    Money Market Savings Account

    Money Market Savings Account



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    • High yields on balances of $100,000 and above
    • Government backed insurance
    • No regular service fees
    • Free checks upon request
    Balance Amount Dividend Rate APY
    $100,000 + 0.15% 0.15%
    $50,000 to $99,999  0.10% 0.10%
    $10,000 to $49,999  0.10% 0.10%
    Under $10,000  0.05% 0.05%
    • 4 tiers and rates available depending on balance amount
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  • Details and Disclosures

  • APY = Annual Percentage Yield. APY is accurate as of May1, 2017 - May 31, 2017 and is subject to change at any time. Fees may reduce earnings.

    There is no limit to the number of Pentagon Federal or foreign ATM withdrawals you make with our MMSA. However, government regulations restrict other types of withdrawals from your Pentagon Federal MMSA account up to six times per monthly dividend cycle. Checks are counted by the date they are paid from your account (as shown on your statement), not by the date you write them. If you exceed the permitted number of withdrawals, a fee will be assessed which may affect your earnings. Account transfers and automatic transfers are also included as part of your six withdrawals per monthly dividend cycle.