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1The rate for our Checking Account is up to the national average of % APY, based on the national average of checking accounts rates published in the FDIC Weekly National Rates and Rate Caps accurate as of .

2Account is a variable rate account. APY is valid as of last dividend declaration date of and subject to change at any time. Fees may reduce earnings on account. Minimum deposit of $25 required to open account. When an account is terminated prior to the end of a statement cycle, dividends will be paid if the aggregate deposit requirement is met on the date of account termination. Dividends are compounded daily and paid monthly.

3Have peace of mind knowing that PenFed won’t hold you responsible for unauthorized transactions on your Visa debit card. Visa’s Zero Liability policy applies to purchases made in the store, over the telephone, online, or via a mobile device. Visa’s Zero Liability policy does not apply to transactions not processed by Visa.

4Early access to direct deposit is available for all PenFed members regardless of account type, that set up a direct deposit with their employer or the other payor. Early direct deposit eligibility may vary between pay periods and timing of payers funding.

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