Pennsylvania Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Pennsylvania CD rates include Tendto Credit UnionTendto Credit Union1129 State St, Erie, PA 16501 1911A+5.0 ★Texas Ratio: 3.74%Real return: +1.59%APY minus CPI (February 2026) offering 60 month Certificate at 4.39% APY, First Northern Bank and Trust CompanyFirst Northern Bank and Trust Company4th Street And Lafayette Avenue, Palmerton, PA 18071A+5.0 ★Texas Ratio: 5.59%Real return: +1.49%APY minus CPI (February 2026) offering 2 Year (24 Month) Adjustable CD at 4.29% APY, Enterprise Bank Allison Park, PAEnterprise Bank Allison Park, PA4091 Mount Royal Blvd, Allison Park, PA 15101F2.8 ★Texas Ratio: 41.32%Real return: +1.48%APY minus CPI (February 2026) offering Business 5 Year CD at 4.28% APY, Crescent BankCrescent Bank4099 William Penn Hwy, Monroeville, PA 15146C4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, and First Keystone Community BankFirst Keystone Community Bank111 W Front St, Berwick, PA 18603A+5.0 ★Texas Ratio: 4.82%Real return: +1.45%APY minus CPI (February 2026) offering 18 Months at 4.25% APY. CD rates as of September 1, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Pennsylvania side-by-side. Pennsylvania CD rates currently reach as high as 4.39% APY from Tendto Credit Union at 1129 State St, Erie, PA 16501 1911. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 1, 2026
Compare Best CD Rates in Pennsylvania
Pennsylvania 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2141 Downyflake Ln, Allentown, PA 18103 4774
3 months
$0
4.00%
▲ 2.04% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA 17901
3-Month Certificate
$500
3.70%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
APY up to 3.70%
CACL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA 17901
IRA Certificate 3 Months
$0
3.70%
▲ 1.74% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
3 mos
$0
3.70%
▲ 1.74% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) 3 months
$500
3.65%
▲ 1.69% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.69% above avg
Details
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.
Meridian Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
220 W Lancaster Avenue, Wayne, PA 19087
3 Month CD
$500
3.60%
▲ 1.64% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
3 Months
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
Business 3 Months
$0
3.60%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
3 mos
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
3 Month Bonus Certificate
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
3 Month
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
CommonRoots Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1204 Freedom Rd, Cranberry Township, PA 16066
3 Months
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
3 Month
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
3 Month Certificate
$500
3.50%
▲ 1.54% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA 16214
3 months
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
4500 Pennell Rd, Aston, PA 19014 1862
3 Month Regular / IRA
$500
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 3 Month
$10,000
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
3 mos
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
3-month Certificate
$500
3.45%
▲ 1.49% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.49% above avg
Details
Brentwood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
411 Mcmurray Rd, Bethel Park, PA 15102
3 Month
$2,000
3.40%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Clarion County Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
333 Main St, Clarion, PA 16214
3 Month CD
$0
3.35%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.39% above avg
Details
APY with Relationship: 3.45%
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
232 Ennis Ln, Towanda, PA 18848
3 month to 5 month
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
CommonRoots Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1204 Freedom Rd, Cranberry Township, PA 16066
3 Months
$0
3.29%
▲ 1.33% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
Details
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
7660 Saltsburg Rd, Pittsburgh, PA 15239
3 Month CD
$1,000
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
3 Months - Tier account
$1,000
3.10%
▲ 1.14% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.14% above avg
Details
Daily Balances of: $50,000.00-2,000,000.00
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
IRA - 3 Months - Tier account
$1,000
3.10%
▲ 1.14% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.14% above avg
Details
Daily Balances of: $50,000.00-2,000,000.00
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
801 W Lancaster Ave, Bryn Mawr, PA 19010
3 Month
$2,500
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
3 Months - Tier account
$1,000
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Daily Balances of: $10,000.00-49,999.99
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
IRA - 3 Months - Tier account
$1,000
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Daily Balances of: $10,000.00-49,999.99
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
3 Months - Tier account
$1,000
2.90%
▲ 0.94% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.94% above avg
Details
Daily Balances of: up to $9,999.99
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
IRA - 3 Months - Tier account
$1,000
2.90%
▲ 0.94% above national avg
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.94% above avg
Details
Daily Balances of: up to $9,999.99
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
901 Arch St, Philadelphia, PA 19107 2404
3 month
$0
2.80%
▲ 0.84% above national avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.84% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificates 3 month
$0
2.80%
▲ 0.84% above national avg
▼
Rate2.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.84% above avg
Details
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Philadelphia, PA 19145
3 Month
$1,000
2.75%
▲ 0.79% above national avg
▼
Rate2.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
NET
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
1444 E Lackawanna St, Olyphant, PA 18447 2174
3 Months
$1,000
2.75%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
901 Arch St, Philadelphia, PA 19107 2404
3 month
$0
2.55%
▲ 0.59% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.59% above avg
Details
First Resource Bank Exton, PA
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
800 N Pottstown Pike, Exton, PA 19341
3 months
$0
2.50%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
Minimum Daily Balance of $500 is required to earn the APY*.
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 3 Month CD
$0
2.48%
▲ 0.52% above national avg
▼
Rate2.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.52% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2307 Brown St, Philadelphia, PA 19130
3 Month Certificate
$0
2.27%
▲ 0.31% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.31% above avg
Details
Early Withdrawal Penalty: 1 month interest
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
17 East Ave, Wellsboro, PA 16901
3 Months
$0
2.02%
▲ 0.06% above national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
Harleysville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
271 Main St, Harleysville, PA 19438
3 Month CD
$500
2.01%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.05% above avg
Details
Harleysville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
271 Main St, Harleysville, PA 19438
3 Month IRA CD
$500
2.01%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.05% above avg
Details
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1601 Kenneth Rd, York, PA 17408 2228
90 Days
$0
2.00%
▲ 0.04% above national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details
Guthrie Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
104 N Elmer Ave, Sayre, PA 18840
Share Certificate - 90 Day
$1,000
1.82%
▼ 0.14% below national avg
▼
Rate1.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.14% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1901 Sanderson Ave, Scranton, PA 18509
3 Month Relationship
$1,000
1.74%
▼ 0.22% below national avg
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.22% below avg
Details
Pennsylvania 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P.C. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 12.51%
203 N Main St, Port Allegany, PA 16743
6 month term
$0
4.25%
▲ 1.58% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
$100000.00 to obtain disclosed APY
P.C. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 12.51%
203 N Main St, Port Allegany, PA 16743
6 month term
$0
4.10%
▲ 1.43% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
$100000.00 to obtain disclosed APY
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
6 mos.
$0
4.07%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.40% above avg
Details
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
322 Main St, Latrobe, PA 15650
6 Months
$10,000
4.00%
▲ 1.33% above national avg
▼
Rate3.96%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
$10,000 New Money
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2141 Downyflake Ln, Allentown, PA 18103 4774
6 months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 6 Month
$10,000
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
40 E Market St, Wilkes Barre, PA 18711
6-Month Promo
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
new money only
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
550 Main St, Brockway, PA 15824
6 month
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
821 Beaver Dr, DuBois, PA 15801
6-Month IRA Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
821 Beaver Dr, DuBois, PA 15801
6-Month Share Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
UFCW COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
377 Wyoming Ave, Wyoming, PA 18644
Share Certificates 6 Months
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 6 Month CD
$0
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2307 Brown St, Philadelphia, PA 19130
6 Month Certificate
$0
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
Details
Early Withdrawal Penalty: 1 month interest
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
6 Months
$5,000
3.90%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.23% above avg
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
1500 Market St, Philadelphia, PA 19102
6 Month CD
$5,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1901 Sanderson Ave, Scranton, PA 18509
6 Month Pick Your Term
$5,000
3.85%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Quaint Oak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
501 Knowles Ave, Southampton, PA 18966
6 Month CD
$0
3.85%
▲ 1.18% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Compass Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
111 Westinghouse Ave, Wilmerding, PA 15148
6 Month CD
$0
3.82%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
6 Months
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
4029 W Tilghman St, Allentown, PA 18104
6 Month CD
$0
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
322 Main St, Latrobe, PA 15650
6 Months
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate3.77%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) 6 months
$500
3.80%
▲ 1.13% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA 18914
6-Month
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1700 Sullivan Trl, Easton, PA 18040
6 Month CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
6 Months
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Parke Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
1610 Spruce St, Philadelphia, PA 19103
6 Months
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
216 Franklin St, Johnstown, PA 15901
6-Month CD
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Hometown Bank of PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
638 E Pitt St, Bedford, PA 15522
6 months
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
6 Months
$2,500
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.08% above avg
Details
WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9001 Perry Hwy, Pittsburgh, PA 15237
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
861 Bloom Rd, Danville, PA 17821
6 month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
6-month Jumbo Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
6 Months - Tier account
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Daily Balances of: $50,000.00-2,000,000.00
Elderton State Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.78%
143 N Main St, Elderton, PA 15736
IRA - 6 Months - Tier account
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Daily Balances of: $50,000.00-2,000,000.00
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
4500 Pennell Rd, Aston, PA 19014 1862
6 Month Regular / IRA
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
4500 Pennell Rd, Aston, PA 19014 1862
6 Month Youth Certificate
$250
3.70%
▲ 1.03% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
6 mos
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
6-month Certificate
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
6-month Fixed-Rate IRA Only
$500
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
4415 5th Ave, Pittsburgh, PA 15213
6 months
$500
3.69%
▲ 1.02% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.02% above avg
Details
Sharon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
900 W Sproul Rd, Springfield, PA 19064
6 Month Certificate
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.98% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
6 Month Bonus Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
CACL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA 17901
6-Month Certificate
$500
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
APY up to 3.65%
CACL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
1800 W Market St, Pottsville, PA 17901
IRA Certificate 6 Months
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
17 East Ave, Wellsboro, PA 16901
6 Months
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
17 East Ave, Wellsboro, PA 16901
CASHBACK 6 MONTH CERTIFICATE
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
I B E W LOCAL 56
Institution Rating:
A+5.0 ★Texas Ratio: 7.79%
962 W 20TH ST, Erie, PA 16502 2401
6 Month Certificate
$50,000
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
6 Months
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Pennsylvania 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1001 California Ave, Pittsburgh, PA 15290
1 Year Starter Add-On
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.42% above avg
Details
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2141 Downyflake Ln, Allentown, PA 18103 4774
12 months
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
4th Street And Lafayette Avenue, Palmerton, PA 18071
1 Year (12 Month) Adjustable CD
$5,000
4.11%
▲ 1.28% above national avg
▼
Rate4.05%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.28% above avg
Details
See details.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1001 California Ave, Pittsburgh, PA 15290
1 Year Add-On
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1001 California Ave, Pittsburgh, PA 15290
1 Year Add-On Certificate
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 1 Year CD
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
12 mos.
$0
4.07%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.24% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 1 Year
$10,000
4.05%
▲ 1.22% above national avg
▼
Rate3.97%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
12 Months
$5,000
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.17% above avg
Details
Slovenian S&L of Canonsburg
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
130 Boone Ave, Strabane, PA 15363
12 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) 12 months
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
1601 S Queen St, York, PA 17403 4630
Special CD Rate: 12-months
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
861 Bloom Rd, Danville, PA 17821
12 month
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
North Districts Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.05%
101 NORTHTOWNE SQ, GIBSONIA, PA 15044 9505
1 Year - Promo
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
North Districts Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.05%
101 NORTHTOWNE SQ, GIBSONIA, PA 15044 9505
1-year CD
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Rate is also 4.00% as dividends are posted annually. Offer may end without notice.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
1 Year Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Youth Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
1 Year Youth Flex Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Youth Flex Certificate is only for members from ages 0-21.
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.83%
111 Hulst Dr Ste 703A, Matamoras, PA 18336
Share/IRA Certificate Special - 12 months
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
12 Months
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.13% above avg
Details
Compass Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
111 Westinghouse Ave, Wilmerding, PA 15148
12 Month CD
$0
3.92%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.09% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
12 Month (IRA Certificate)
$0
3.91%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.08% above avg
Details
IRA Certificate
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
12 Month (IRA Certificate)
$0
3.91%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.08% above avg
Details
IRA Certificate
Quaint Oak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
501 Knowles Ave, Southampton, PA 18966
12 Month CD
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
Jumbo HSA Certificates 12 Months
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Special Relationship
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
Jumbo HSA Certificates 12 Months - Special Relationship
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
Jumbo Share Certificates 12 Months - Special Relationship
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2307 Brown St, Philadelphia, PA 19130
12 Month Certificate
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.04% above avg
Details
Early Withdrawal Penalty: 3 month interest
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
29 Main Street, Tremont, PA 17981
1 year - Fixed rate
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
29 Main Street, Tremont, PA 17981
IRA Certificates 1 year - Fixed rate
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1901 Sanderson Ave, Scranton, PA 18509
12 Month Pick Your Term
$5,000
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
12-Month Certificate
$500
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 12-Month
$500
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificates 12-Month
$500
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
PO Box 400, Sidman, PA 15955 0400
Mini-Jumbo - 1 Year Certificate
$50,000
3.85%
▲ 1.02% above national avg
▼
Rate3.85%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
Jumbo and Jumbo IRA Certificates - 1 Year
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
$100,000 and Above
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA 18914
12-Month
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
12 Month
$0
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
12 Month
$0
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
4029 W Tilghman St, Allentown, PA 18104
1 Year CD
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Milton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
80 Broadway St, Milton, PA 17847
1 Year CD
$500
3.80%
▲ 0.97% above national avg
▼
Rate3.76%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
12 Months
$500
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.97% above avg
Details
CommonRoots Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1204 Freedom Rd, Cranberry Township, PA 16066
12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
4415 5th Ave, Pittsburgh, PA 15213
1 Year
$500
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
12 Months - Special Relationship
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
HSA Certificate 12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Special Relationships
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
HSA Certificate 12 Months - Special Relationships
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
Jumbo HSA Certificates 12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
390 Walnut St, Danville, PA 17821 1503
Jumbo Share Certificates 12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
1 Year
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
HERITAGE VALLEY
Institution Rating:
A-4.9 ★Texas Ratio: 10.95%
2400 Pleasant Valley Rd, York, PA 17402 9624
12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Pennsylvania 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
18-Month Term Certificate
$0
4.31%
▲ 1.63% above national avg
▼
Rate4.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.63% above avg
Details
First Keystone Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
111 W Front St, Berwick, PA 18603
18 Months
$1,000
4.25%
▲ 1.57% above national avg
▼
Rate4.18%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.57% above avg
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
18-Month Term Certificate
$0
4.10%
▲ 1.42% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2307 Brown St, Philadelphia, PA 19130
18 Month Certificate
$0
4.08%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.40% above avg
Details
Early Withdrawal Penalty: 3 month interest
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
18 mos.
$0
4.07%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Months
$0
4.06%
▲ 1.38% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.38% above avg
Details
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) 18 months
$500
4.05%
▲ 1.37% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Months
$0
4.01%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.33% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
Jumbo and Jumbo IRA Certificates - 18 Months
$0
4.01%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.33% above avg
Details
$100,000 and Above
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1901 Sanderson Ave, Scranton, PA 18509
18 Month Pick Your Term
$5,000
4.00%
▲ 1.32% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 S York Rd, Hatboro, PA 19040
18 Month CD
$1,000
4.00%
▲ 1.32% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
18 Months
$5,000
4.00%
▲ 1.32% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.32% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 18 Month
$10,000
4.00%
▲ 1.32% above national avg
▼
Rate3.92%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
18 Months
$0
3.96%
▲ 1.28% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.28% above avg
Details
Quaint Oak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
501 Knowles Ave, Southampton, PA 18966
18 Month CD
$0
3.95%
▲ 1.27% above national avg
▼
Rate3.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
18 Month (Legacy Club)
$0
3.91%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Legacy Club
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
18 Month (Legacy Club)
$0
3.91%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Legacy Club
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
18-Month Certificate
$500
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 18-Month
$500
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificates 18-Month
$500
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
18-Month Term Certificate
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
213 Market St, Harrisburg, PA 17101
18-Month M&T Select CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Months
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Bank of Bird-in-Hand
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
309 N Ronks Rd, Bird In Hand, PA 17505
18 Month CD/IRA
$500
3.85%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA 18914
18-Month
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
18 Month
$0
3.81%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.13% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
18 Month
$0
3.81%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.13% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
18 Months
$500
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.12% above avg
Details
Bva Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
608 Rostraver Rd, Belle Vernon, PA 15012 1941
Share Certificates 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Ambler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
155 E Butler Ave, Ambler, PA 19002
18 Month Bump-Up
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Bump-Up
Ambler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
155 E Butler Ave, Ambler, PA 19002
18 Month Bump-Up Certificate of Deposit
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Ambler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
155 E Butler Ave, Ambler, PA 19002
IRA Accounts 18 Month Bump-Up
$1,000
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Bump-Up
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
7026 MASON DIXON HWY, MEYERSDALE, PA 15552 6929
18-month SPECIAL
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
4139 E State St, Hermitage, PA 16148 3402
18 Month Certificate
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1601 Cherry St, Phila, PA 19102 1320
18-month Flex CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1601 Cherry St, Phila, PA 19102 1320
18-month IRA Growth CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
107 Reuter Blvd, Towanda, PA 18848 2152
18-Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
18 Month Bonus Certificate
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
18 mos
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
18 Months
$0
3.67%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.99% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
18 Month Jumbo IRA Certificate
$0
3.65%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
18 Month Jumbo Share Certificate
$0
3.65%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
18 Month Certificate
$500
3.65%
▲ 0.97% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Penn State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
123 Amberleigh Ln, Bellefonte, PA 16823
18 Month Certificate
$500
3.65%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Penn State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
123 Amberleigh Ln, Bellefonte, PA 16823
Business 18 Month Certificate
$500
3.65%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1 Credit Union Pl, Harrisburg, PA 17110
18 months
$0
3.65%
▲ 0.97% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
18 Months
$0
3.61%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.93% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1935 E 3rd St, Williamsport, PA 17701
18 Month IRA
$0
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1935 E 3rd St, Williamsport, PA 17701
Business Share Certificate 18 Month
$500
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
All Business Accounts must be opened at a First Harvest branch. Business Share Certificate Rates: Listed APY paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure . Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union.
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
1500 Market St, Philadelphia, PA 19102
18 Month CD
$5,000
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
Pennsylvania 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
4th Street And Lafayette Avenue, Palmerton, PA 18071
2 Year (24 Month) Adjustable CD
$5,000
4.29%
▲ 1.58% above national avg
▼
Rate4.22%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.58% above avg
Details
See details.
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
4099 William Penn Hwy, Monroeville, PA 15146
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1313 Liberty St, Franklin, PA 16323
24 Month SPECIAL Share Certificate
$1,000
4.19%
▲ 1.48% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.48% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
24 mos.
$0
4.17%
▲ 1.46% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.46% above avg
Details
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 2 Year CD
$0
4.13%
▲ 1.42% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.42% above avg
Details
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) 24 months
$500
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Jumbo Certificate
$0
4.10%
▲ 1.39% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Community Connect Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1050 E Spring St, Titusville, PA 16354 7826
24 Months
$0
4.08%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.37% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Months
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.35% above avg
Details
Mifflinburg B&T CO.
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
245 Front St, Northumberland, PA 17857
24 Months CD
$500
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.35% above avg
Details
Rates are subject to change without notice. All CDs compounded quarterly. Annual Percentage Yields presented assume Bank's standard compounding practices and assumes that interest will remain on deposit until maturity. Withdrawals will reduce earnings.Substantial penalty for early withdrawal.
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1601 Cherry St, Phila, PA 19102 1320
24-month Certificate/IRA
$0
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Bump-Up Certificate
$500
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Bump-Up IRA
$500
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Certificate
$500
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Fixed-Rate IRA Only
$500
4.05%
▲ 1.34% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.34% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Months
$0
4.01%
▲ 1.30% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.30% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1901 Sanderson Ave, Scranton, PA 18509
24 Month Pick Your Term
$5,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Marion Center Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.35%
1271 Indian Springs Rd, Indiana, PA 15701
24 month fixed IRA
$500
4.00%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Quaint Oak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
501 Knowles Ave, Southampton, PA 18966
2 Year CD
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.87%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 S York Rd, Hatboro, PA 19040
2 Year CD
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
24 Month
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
24 Month
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Franklin Oil Region Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
101 N 13th ST, Franklin, PA 16323 2343
24 Month IRA Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
24 Months
$5,000
3.95%
▲ 1.24% above national avg
▼
Rate3.89%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.24% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
24-Month Certificate
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 24-Month
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificates 24-Month
$500
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 2 Year
$10,000
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
29 Main Street, Tremont, PA 17981
2 years - Fixed rate add on
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
29 Main Street, Tremont, PA 17981
IRA Certificates 2 years - Fixed rate add on
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Months
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Milton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
80 Broadway St, Milton, PA 17847
1 1/2 Year CD
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.81%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
Jumbo and Jumbo IRA Certificates - 2 Years
$0
3.84%
▲ 1.13% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.13% above avg
Details
$100,000 and Above
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
24 Month
$1,000
3.82%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
24 Month Bonus Certificate
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
630 Delp Rd Ste C, LANCASTER, PA 17601 3077
24 months
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
630 Delp Rd Ste C, LANCASTER, PA 17601 3077
IRA Certificates 24 months
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
24-Month Add-On
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
24-Month Add-On Certificate
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Add-On
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 24-Month Add-On
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificates 24-Month Add-On
$500
3.80%
▲ 1.09% above national avg
▼
Rate3.74%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Add-On
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
2 Years
$0
3.79%
▲ 1.08% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.08% above avg
Details
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1313 Liberty St, Franklin, PA 16323
13 - 24 Mos. Share Certificate
$500
3.77%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.06% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
IRA Certificate 24 Month
$5
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.05% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
Share Certificates 24 Month
$1,000
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.05% above avg
Details
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
232 East St, Bloomsburg, PA 17815
24 month Certificate of Deposit
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Milton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
80 Broadway St, Milton, PA 17847
2 Year CD
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.71%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
24 Months
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.04% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
24 Month Certificate
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
4415 5th Ave, Pittsburgh, PA 15213
2 Year
$1,000
3.75%
▲ 1.04% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Pennsylvania 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 3 Year CD
$0
4.18%
▲ 1.53% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.53% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1001 California Ave, Pittsburgh, PA 15290
3 Years Add-On Certificate
$0
4.15%
▲ 1.50% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.06%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.40% above avg
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
3 Years
$0
4.01%
▲ 1.36% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.36% above avg
Details
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 S York Rd, Hatboro, PA 19040
3 Year CD
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
4139 E State St, Hermitage, PA 16148 3402
36 Month Certificate
$0
4.00%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
36-Month Certificate
$1,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 36-Month
$1,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificates 36-Month
$1,000
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
36 Month
$1,000
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1601 Cherry St, Phila, PA 19102 1320
36-month CD/IRA
$0
3.85%
▲ 1.20% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.20% above avg
Details
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1313 Liberty St, Franklin, PA 16323
25 - 36 Mos. Share Certificate
$500
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
IRA Certificate 36 Month
$5
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
Share Certificates 36 Month
$1,000
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
36 Month
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
36 Month
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
36 mos.
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
36 Month Bonus Certificate
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
36 Months
$0
3.77%
▲ 1.12% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.12% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
36 Month Certificate
$500
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 3 Year
$10,000
3.75%
▲ 1.10% above national avg
▼
Rate3.68%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
36 mos
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
I B E W LOCAL 56
Institution Rating:
A+5.0 ★Texas Ratio: 7.79%
962 W 20TH ST, Erie, PA 16502 2401
36 Month Certificate
$50,000
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
36 Months
$0
3.72%
▲ 1.07% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.07% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
36 Months
$0
3.70%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
Business 36 Months
$0
3.70%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
36 Month Jumbo IRA Certificate
$0
3.70%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
36 Month Jumbo Share Certificate
$0
3.70%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
I B E W LOCAL 56
Institution Rating:
A+5.0 ★Texas Ratio: 7.79%
962 W 20TH ST, Erie, PA 16502 2401
36 Month Certificate
$1,000
3.68%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.03% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
36 Months
$0
3.67%
▲ 1.02% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.02% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2307 Brown St, Philadelphia, PA 19130
36 Month Certificate
$0
3.66%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.01% above avg
Details
Early Withdrawal Penalty: 3 month interest
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
36 mos
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
36-month Jumbo Certificate
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA 18914
36-Month
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
17 East Ave, Wellsboro, PA 16901
36 Months
$0
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.96% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
36 Month IRA Certificate
$500
3.60%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
36 Month Share Certificate
$500
3.60%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Americo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4101 Main St, Erie, PA 16511
IRA Share Certificate 36 month
$500
3.60%
▲ 0.95% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
36-month Certificate
$500
3.60%
▲ 0.95% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
36-month Fixed-Rate IRA Only
$500
3.60%
▲ 0.95% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Access Credit Union Bristol Pa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
23 Commerce Cir, Bristol, PA 19007 3111
36 Months
$1,000
3.56%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.91% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
36 Months
$5,000
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.90% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
111 Parkwest Dr, Pittsburgh, PA 15275 1112
JUMBO CERTIFICATES 36 Months
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
930 N Charlotte St, Pottstown, PA 19464
36 Months
$500
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
36 mos
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
4029 W Tilghman St, Allentown, PA 18104
3 Year CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
The Andover Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
53 E State St, Albion, PA 16401
36 Month CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA 16214
36 months
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
IRA Certificates available**
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) 36 months
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
111 Parkwest Dr, Pittsburgh, PA 15275 1112
36 Months
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Pennsylvania 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 4 Year CD
$0
4.23%
▲ 1.57% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.57% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.09%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.43% above avg
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
4 Years
$0
4.04%
▲ 1.38% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.38% above avg
Details
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 S York Rd, Hatboro, PA 19040
4 Year CD
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
48-Month Certificate
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 48-Month
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificates 48-Month
$1,000
4.00%
▲ 1.34% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.34% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
48 Month
$1,000
3.92%
▲ 1.26% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1313 Liberty St, Franklin, PA 16323
37 - 48 Mos. Share Certificate
$500
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
IRA Certificate 48 Month
$5
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
Share Certificates 48 Month
$1,000
3.87%
▲ 1.21% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.21% above avg
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1601 Cherry St, Phila, PA 19102 1320
48-month CD/IRA
$0
3.85%
▲ 1.19% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.19% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
48 Months
$0
3.82%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
48 Month
$0
3.81%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
48 Month
$0
3.81%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
48 mos.
$0
3.81%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
48 Months
$0
3.77%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.11% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 4 Year
$10,000
3.75%
▲ 1.09% above national avg
▼
Rate3.68%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
48 mos
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
48 Months
$0
3.72%
▲ 1.06% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.06% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
48 Month Bonus Certificate
$0
3.65%
▲ 0.99% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
Americo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4101 Main St, Erie, PA 16511
IRA Share Certificate 48 month
$500
3.65%
▲ 0.99% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
48 mos
$0
3.65%
▲ 0.99% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
48-month Jumbo Certificate
$0
3.65%
▲ 0.99% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
17 East Ave, Wellsboro, PA 16901
48 Months
$0
3.61%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
48 Months
$0
3.60%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
Business 48 Months
$0
3.60%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
48 Month Certificate
$500
3.60%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
48-month Bump-Up Certificate
$500
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
48-month Bump-Up IRA
$500
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
48-month Certificate
$500
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
48-month Fixed-Rate IRA Only
$500
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Access Credit Union Bristol Pa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
23 Commerce Cir, Bristol, PA 19007 3111
48 Months
$1,000
3.56%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
48 Months
$5,000
3.55%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.89% above avg
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
111 Parkwest Dr, Pittsburgh, PA 15275 1112
JUMBO CERTIFICATES 48 Months
$0
3.55%
▲ 0.89% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
48 mos
$0
3.55%
▲ 0.89% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
232 East St, Bloomsburg, PA 17815
48 month Certificate of Deposit
$0
3.50%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
144 Holiday Inn Rd, Clarion, PA 16214
48 months
$0
3.50%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
IRA Certificates available**
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) 48 months
$500
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
111 Parkwest Dr, Pittsburgh, PA 15275 1112
48 Months
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
232 Ennis Ln, Towanda, PA 18848
48 month to 59 month
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Spirit Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
8535 New Falls Rd, Levittown, PA 19054 1601
4 Year Share Certificate / IRA Certificate
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Port Richmond Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2522 E Allegheny Ave, Philadelphia, PA 19134
48 month
$500
3.49%
▲ 0.83% above national avg
▼
Rate3.43%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.83% above avg
Details
Guthrie Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
104 N Elmer Ave, Sayre, PA 18840
IRA Share Certificate - 48 Month
$1,000
3.46%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Guthrie Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
104 N Elmer Ave, Sayre, PA 18840
Share Certificate - 48 Month
$1,000
3.46%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Quaint Oak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
501 Knowles Ave, Southampton, PA 18966
4 Year CD
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
901 Arch St, Philadelphia, PA 19107 2404
4 year
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificates 4 year
$0
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
4500 Pennell Rd, Aston, PA 19014 1862
48 Month Regular / IRA
$500
3.40%
▲ 0.74% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.07%
235 Pittsburgh St, Uniontown, PA 15401 2751
48 Month
$500
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Pennsylvania 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.39%
▲ 1.63% above national avg
▼
Rate4.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.63% above avg
Details
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 5 Year CD
$0
4.28%
▲ 1.52% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.52% above avg
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.24%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.48% above avg
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.13%
▲ 1.37% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.37% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.08%
▲ 1.32% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.32% above avg
Details
$100,000 and Above
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
60-Month Certificate
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 60-Month
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificates 60-Month
$1,000
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.29% above avg
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.03%
▲ 1.27% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.27% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1510 Dekalb Pike, Blue Bell, PA 19422
5 Years
$0
4.03%
▲ 1.27% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.27% above avg
Details
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 S York Rd, Hatboro, PA 19040
5 Year CD
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
3.98%
▲ 1.22% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.22% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
60 Month
$1,000
3.97%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.21% above avg
Details
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1313 Liberty St, Franklin, PA 16323
49 - 60 Mos. Share Certificate
$500
3.93%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.17% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2307 Brown St, Philadelphia, PA 19130
60 Month Certificate
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details
Early Withdrawal Penalty: 6 month interest
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
IRA Certificate 60 Month
$5
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$5
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2154 E Lake Rd, Erie, PA 16511 1140
Share Certificates 60 Month
$1,000
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1601 Cherry St, Phila, PA 19102 1320
60-month CD/IRA
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
60 Months
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.06% above avg
Details
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
60 Month
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
60 Month
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
60 mos.
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
60 Months
$0
3.77%
▲ 1.01% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.01% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
60 Month Jumbo IRA Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
60 Month Jumbo Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 5 Year
$10,000
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
60 mos
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
335 W Butler Ave, Chalfont, PA 18914
60-Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
60 Months
$0
3.72%
▲ 0.96% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.96% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
17 East Ave, Wellsboro, PA 16901
60 Months
$0
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.95% above avg
Details
Americo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4101 Main St, Erie, PA 16511
IRA Share Certificate 60 month
$500
3.67%
▲ 0.91% above national avg
▼
Rate3.67%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.91% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
60 Month IRA Certificate
$500
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
60 Month Share Certificate
$500
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
60 Month Bonus Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
11 Meridian Blvd, Wyomissing, PA 19610
60 mos
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1001 California Ave, Pittsburgh, PA 15290
5 Years
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
1129 State St, Erie, PA 16501 1911
IRA Certificate 60 month Certificate
$0
3.61%
▲ 0.85% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.85% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
60 Months
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
4255 E Main St, Belleville, PA 17004
Business 60 Months
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
JVB Juniata Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
104 N Front St, Liverpool, PA 17045
60 Month CD or IRA
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
60 Month Certificate
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
60-month Certificate
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
60-month Fixed-Rate IRA Only
$500
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
60-month Jumbo Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Frick Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.07%
235 Pittsburgh St, Uniontown, PA 15401 2751
60 Month
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.80% above avg
Details
Access Credit Union Bristol Pa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
23 Commerce Cir, Bristol, PA 19007 3111
60 Months
$1,000
3.56%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.80% above avg
Details
UNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1 N Oak St, Mount Carmel, PA 17851
60 Month
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
UNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1 N Oak St, Mount Carmel, PA 17851
60 Month CD
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
TTNB Turbotville Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
4710 State Route 54, Turbotville, PA 17772
60 Months
$5,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.79% above avg
Details
CommonRoots Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1204 Freedom Rd, Cranberry Township, PA 16066
60 Months
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Pennsylvania CD Rate Trends
Compare local Pennsylvania CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD PA Avg
2.833%
▲ 0.729 vs 7 days ago
Pennsylvania 12-month CD rates rose 0.729 points over the past 7 days to 2.833% APY.
6-Month CD PA Avg
2.672%
▲ 0.752 vs 7 days ago
Pennsylvania 6-month CD rates rose 0.752 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
PA CD Rate Forecast, Next 12 Months
Where are Pennsylvania CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
PA 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
3.083%
Range: 2.88% – 3.23%
Powered by
MonitorBankRates
What Your Savings Earn at PA CD Rates Today
Annual interest earnings at today’s Pennsylvania average APYs. State average used where available; national average as fallback.
| CD Term | PA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
Sample CD Ladder for Pennsylvania Savers
$25,000 split equally across 5 terms using today’s Pennsylvania average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | PA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/yr | |
Ladder example uses equal $5,000 rungs and Pennsylvania average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,497
CD Rates
Tracked in Pennsylvania
Tracked in Pennsylvania
59 Banks
71 Credit Unions
About Our Pennsylvania CD Rate Database
MonitorBankRates tracks 1,497 CD rates from 59 banks and 71 credit unions with locations in Pennsylvania, plus national online institutions available to Pennsylvania residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Tendto Credit Union offers a CD at 4.39% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Pennsylvania.
How to Find the Best CD Rates in Pennsylvania
What to compare when shopping for a CD in Pennsylvania
To find the best APYs in Pennsylvania, start with credit unions and online-only banks: Pennsylvania has 71 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Pennsylvania
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Pennsylvania: 130 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Pennsylvania savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Pennsylvania money market rates
Pennsylvania Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
19.5%
National avg: 17.3%
Median Individual Earnings
$46,676
National avg: $47,340
Poverty Rate
11.7%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$132/yr
At PA 12-mo avg 2.833% APY
19.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s PA 12-month CD average of 2.833%, saving 10% of the local median salary ($4,667/year) and putting it in a CD would earn an additional $132 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Pennsylvania
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Pennsylvania
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Pennsylvania typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Pennsylvania as everywhere in the U.S.
Choosing a CD Term in Pennsylvania
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Pennsylvania savers easier access to their funds. For example, P.C. Federal Credit Union is offering its 6 month term at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tendto Credit Union is offering its 60 month Certificate at 4.39% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Pennsylvania Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Pennsylvania saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Pennsylvania
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Pennsylvania CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Pennsylvania
Most CDs carry a fixed rate that is locked for the entire term, protecting a Pennsylvania depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Pennsylvania
Are CD rates in Pennsylvania FDIC insured?
Yes, most established banks in Pennsylvania are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Pennsylvania?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Pennsylvania.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Pennsylvania may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Pennsylvania?
Here are recent top rates found for this area:
- Tendto Credit Union: 4.39% APY (60 month Certificate)
- First Northern Bank and Trust Company: 4.29% APY (2 Year (24 Month) Adjustable CD)
- Enterprise Bank Allison Park, PA: 4.28% APY (Business 5 Year CD)
- Crescent Bank: 4.25% APY (24-month CD)
- First Keystone Community Bank: 4.25% APY (18 Months)
- P.C. Federal Credit Union: 4.25% APY (6 month term)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- Galaxy Federal Credit Union: 4.19% APY (24 Month SPECIAL Share Certificate)
- Freedom Credit Union: 4.17% APY (24 mos.)
- People First Federal Credit Union: 4.15% APY (12 months)
Rates reflect recent verified offers available in Pennsylvania. Last Updated: September 1, 2026
Pennsylvania CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Pennsylvania rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Pennsylvania
Pennsylvania CD Calculator
At today’s PA top rate of 4.39% APY, a $10,000 deposit earns $439 in the first year. Enter your amount to see your exact return.
Pennsylvania CD LadderPA CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Pennsylvania CD at 4.39% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsPennsylvania’s average 12-month CD is 2.833% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pennsylvania CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Pennsylvania directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Pennsylvania. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 1, 2026
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