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Money Market Certificates

Save more. Save better.


Open a Certificate and set up your PENZIOX membership.

1. Discover how you’re eligible to become a PENZIOX member

2. Open a Savings Account and deposit at least $5


6 Month 0.42% 0.42%**
12 Month 0.49% 0.5%
15 Month 0.5% 0.55%
18 Month 0.6% 0.7%
2 Year 0.7% 0.77%
3 Year 0.78% 0.79%
4 Year 0.8% 0.85%
5 Year 0.9% 0.95%
7 Year 1.0% 1.50%


$1,000 Minimum amount to open. A penalty will be imposed for early withdrawal. This will reduce earnings on the account. Please see "Details and Disclosures' below for important account information.


  • Invest as little as $1,000
  • Backed by NCUA insurance
  • Dividends compounded daily & credited monthly
  • At any time, choose to renew or close at maturity

Give us a call or visit a branch today!

CALL US: +1(206) 899-3547
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DISCLOSURES: Print IconPrint

Money Market Certificates

Annual Percentage Yield (APY) is accurate as of and is subject to change at any time.

We will establish your certificate on the day we receive your application and funding. Once purchased, the rate is locked in for the term of your certificate.

**6 Month certificates earn dividends on simple interest basis. All other certificate dividends are compounded daily.

You choose how your dividends are withdrawn: monthly OR at maturity.

3 payment options:

  1. Add dividends to certificate.
  2. Transfer dividends to Regular Share, checking, or MMSA (Money Market Savings Account).
  3. Have dividend sent to you in check form.

Early Redemption Penalties

Penalties are imposed for early withdrawal of Money Market Certificates. This will reduce earnings on the account. You must provide your request in writing.

Please refer to the Money Market Certificate Application for further details. For all certificates funded by ACH, funds cannot be withdrawn within the first 60 days of the
account opening



Take Control of Your Options

At any time before your certificate matures, you can tell us whether you’d like to renew it or close it at maturity.






wide selection of terms

Wide Selection of Terms


Certificate terms range from 6 months to 7 years so you can save for your own timeline.

low minimum deposit

Low Minimum Deposit


Start saving with balances as low as $1,000. With a PENZIOX Money Market Certificate, you can start small and earn more.

backed by ncua

Backed by the NCUA


Savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government.

daily dividends

Daily Dividends


Your dividends will be compounded daily and paid monthly for maximum returns.


Excellent Service

PENZIOX was founded for our defense community.  We understand and appreciate service, and it’s an honor to serve our members.


Safety & Security

PENZIOX knows defense. Our first duty always is to protect our members.


Easy to Enroll

Just $1,000 is all it takes to start building your savings and your future.



Outstanding service ethic.

Washington, DC

Every time I walk into my branch, I'm taken great care of. Thank you PENZIOX for your great service.

Ready To Take The Next Step?

My parents started with PENZIOX, and so did I.

San Francisco, CA

I joined PENZIOX because both my parents were members - so glad I did. PENZIOX helped me get a great rate on my first new car.

Ready To Take The Next Step?

Consistent low rates and easy to work with.

Newark NJ

I went to Penfed to see if I qualified for a mortgage. My friends told me about all the trouble they've had using other lenders, but PENZIOX made everything easy for me. Thank you Sarah and PENZIOX!

Ready To Take The Next Step?

Wherever I travel, I can work with PENZIOX.

Atlanta GA

I just started using Penfeds new Travel AMEX card on my last trip to Basal - my other cards charge me just for being away but not this card with Penfed.

Ready To Take The Next Step?