Penn Community Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Penn Community Bank's 13-Month CD Special rates are at 3.55%, 13-Month IRA CD Special rates are at 3.55%, 15-Month Promotional CD rates are at 3.35%, 15-Month Promotional IRA CD rates are at 3.35%, 15-Month Breakable CD rates are at 3.15%. Penn Community Bank's savings rates are at 0.15%. Penn Community Bank's money market rates are at 0.10%. Penn Community Bank's Jumbo-Fixed Rate Mortgages 15 Years rates are at 5.75%, Jumbo-Fixed Rate Mortgages 20 Years rates are at 5.88%, 10/1 Jumbo Adjustable-Rate Mortgage rates are at 5.79%, Jumbo-Fixed Rate Mortgages 30 Years rates are at 6.00%, Bi-Weekly Mortgages rates are at 6.88%. MonitorBankRates evaluates the financial stability of Penn Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates were last updated on 02/26/2026.
Rate Updates and AvailabilityPenn Community Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Penn Community Bank? Share your experience about Penn Community Bank by leaving a review below, or read customer reviews before you decide to use Penn Community Bank. Penn Community Bank Texas RatioPenn Community Bank's Texas Ratio is at 0.41%, which is considered excellent. The Texas Ratio for Penn Community Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Penn Community Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Penn Community Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
Penn Community Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 02/26/2026 
Penn Community Bank CD Rates
Penn Community Bank Savings Rates
Penn Community Bank Money Market Rates
Penn Community Bank Checking Rates
Penn Community Bank Mortgage Rates
Penn Community Bank Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Penn Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Penn Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Penn Community Bank's official website for the most current offers and terms.
Bank Profile & OverviewPenn Community Bank
3969 Durham RdDoylestown, PA 18902 Bucks Established Date: 01/01/1922 FDIC Certificate #: 30401 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: PENN CMTY MUTUAL HOLDINGS INC How Many Domestic U.S. Offices? 22 How Many Branches are There? 22 Website: https://www.penncommunitybank.com
Is Penn Community Bank FDIC Insured? Yes
What is Penn Community Bank's Cert number? 30401
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.41%
Return on Assets (ROA):
0.6516%
Return on Equity (ROE):
6.9600%
Non-Performing Loans (NPL):
0.03%
Total Assets:
$3,029,370,000
Total Deposits:
$2,420,582,000
Equity Capital:
$327,987,000
Net Income:
$11,675,000
Headquarters:
Doylestown
Regulator:
FDIC
# of Offices:
22
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Penn Community BankHow do I open an account at Penn Community Bank?You can typically open an account at Penn Community Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Penn Community Bank provides a range of mortgage and home equity products. Is Penn Community Bank a safe place to deposit money?Yes, Penn Community Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Penn Community Bank offer online and mobile banking?Most modern institutions like Penn Community Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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