1 year CD rate at Pentagon Federal Credit Union (PenFed) has a new higher CD rate. The 12 month CD rate is now at 1.20 percent with an APY of 1.21 percent. The old 12 month CD rate was 1.10 percent with an APY of 1.11 percent. See a history of rate changes to this 1 year certificate by going to Pentagon Federal Credit Union 1 Year CD Rate.