APY (Annual Percentage Yield) is accurate as of March 1, 2018 and is subject to change at any time. Fees may reduce earnings. There is no limit to the number of PenFed or foreign ATM withdrawals you make with our Regular Savings Account. However, government regulations restrict other types of withdrawals from your Pentagon Federal Regular Savings Account up to six times per monthly dividend cycle. If you exceed the permitted number of withdrawals, a fee will be assessed which may affect your earnings.