Thinking about laddering CD's? Pentagon FCU just raised 5 and 7 year CD rates to 3 percent nominal, 3.04 APY. The penalty for early withdrawal is 365 days of interest or all of the interest on accounts less than a year old. That interest rate is about the same as the guaranteed interest accounts offered by the insurance company 401 (k)/403 (b)/457 plan providers, but with deposit insurance. Pricing is subject to change, but at Pentagon it is usually good for the entire month.