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CD Rate Trends

Elco, Pennsylvania Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Elco, Pennsylvania CD rates from banks and credit unions serving Pennsylvania range from 3.00% to 4.81% APY, verified by MonitorBankRates as of October 31, 2026. Current Elco, Pennsylvania CD rates include First Northern Bank and Trust CompanyFirst Northern Bank and Trust CompanyA+5.0 ★Texas Ratio: 5.78%Real return: +1.11%APY minus CPIRate verified Oct 31, 2026 offering 3 Year Adjustable CD at 4.81% APY, Tendto Credit UnionTendto Credit UnionA+5.0 ★Texas Ratio: 3.10%Real return: +1.11%APY minus CPIRate verified Oct 29, 2026 offering Share Certificates - 60 month Certificate at 4.81% APY, Atlantic Community Bankers BankAtlantic Community Bankers BankA+5.0 ★Texas Ratio: 2.05%Real return: +0.96%APY minus CPIRate verified Oct 30, 2026 offering CD 1 Year at 4.66% APY, Citizens & Northern Bank C&NCitizens & Northern Bank C&NA5.0 ★Texas Ratio: 10.85%Real return: +0.93%APY minus CPIRate verified Oct 31, 2026 offering Certificate of Deposit - 60 Months at 4.63% APY, and Patriot Federal Credit UnionPatriot Federal Credit UnionA+5.0 ★Texas Ratio: 1.50%Real return: +0.90%APY minus CPIRate verified Oct 29, 2026 offering 48 Month Share Certificate at 4.60% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Elco is a smaller community with no bank or credit union branches currently in our database. 750 institutions serving the Pennsylvania area are available to Elco residents, with CD rates as high as 4.81% APY from First Northern Bank and Trust Company. 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: October 31, 2026

Compare Best CD Rates in Elco, Pennsylvania & the Surrounding Area

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Elco 3 Month CD Rates

Pennsylvania 3 Month CD Average1.82% APYNational 2.13%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 3 Month
$0
4.31% ▲ 2.49% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average1.82%▲ 2.49% above avgNationally 2.13%
Details

A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability

Rate History
1 change since Oct 22, 2026 · 4.32% → 4.31% ▼ 0.01 pts · high 4.32% / low 4.31%
3.81%4.31%4.82%Oct 22, 2026: 4.32% APYOct 30, 2026: 4.31% APYOct 22, 2026Oct 31, 2026
  • Oct 30, 20264.31%▼ from 4.32%
  • Oct 22, 20264.32%first recorded
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
3-Month CD
$25,000
4.10% ▲ 2.28% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.28% above avgNationally 2.13%
Details

Estimated earnings: $252; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 31, 2026: 4.10% APYOct 31, 2026Oct 31, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Certificate of Deposit - 90 Day
$500
4.10% ▲ 2.28% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.28% above avgNationally 2.13%
Details

Interest compounded daily; Minimum Deposit $500

Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10% ▲ 2.28% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.28% above avgNationally 2.13%
Details

Rate History
No change since Oct 28, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 28, 2026: 4.10% APYOct 28, 2026Oct 31, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Business Share Certificate
$500
4.00% ▲ 2.18% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.18% above avgNationally 2.13%
Details

Penalty for early withdrawal

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 31, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
Share Certificate - 3 months
$0
4.00% ▲ 2.18% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.18% above avgNationally 2.13%
Details

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3 Month Share/IRA Certificate
$500
4.00% ▲ 2.18% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 2.18% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96% ▲ 2.14% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.14% above avgNationally 2.13%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
3.20%3.83%4.46%Oct 7, 2026: 3.70% APYOct 26, 2026: 3.96% APYOct 7, 2026Oct 31, 2026
  • Oct 26, 20263.96%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Share Certificate
$500
3.90% ▲ 2.08% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.08% above avgNationally 2.13%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 15, 2026: 3.90% APYOct 15, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 3 months
$500
3.90% ▲ 2.08% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.08% above avgNationally 2.13%
Details

Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 15, 2026: 3.90% APYOct 15, 2026Oct 31, 2026
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
3-month CD
$0
3.85% ▲ 2.03% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.03% above avgNationally 2.13%
Details

No minimum deposit to open; minimum balance to earn stated APY is $500.00; APY accurate as of 9/25/2026; penalty for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
Certificate of Deposit - 3 Month
$0
3.75% ▲ 1.93% above Pennsylvania avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details

Early withdrawal penalties apply

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Business Certificate of Deposit - 3 Months
$2,000
3.75% ▲ 1.93% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details

Rates effective as of 09/22/2026; Rates may change after the account is opened; Early withdrawal penalties may be imposed

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Certificate of Deposit - 3 Months
$0
3.75% ▲ 1.93% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month CD
$5,000
3.75% ▲ 1.93% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details

Certificates of Deposit - Effective Wednesday, October 28, 2026

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 31, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Preferred Certificates - 3 months
$0
3.75% ▲ 1.93% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details

Accounts: Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; Minimum balance requirement $100.00

Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 23, 2026: 3.75% APYOct 23, 2026Oct 31, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit - Jumbo CD
$500
3.71% ▲ 1.89% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.89% above avgNationally 2.13%
Details

Jumbo CD (Above $75,000)

Rate History
No change since Oct 26, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 26, 2026: 3.71% APYOct 26, 2026Oct 31, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate of Deposit - 3 months (90 Days)
$500
3.71% ▲ 1.89% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.89% above avgNationally 2.13%
Details

Jumbo CDs (Above $75,000)

Rate History
No change since Oct 26, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 26, 2026: 3.71% APYOct 26, 2026Oct 31, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
3-Month Certificate
$500
3.70% ▲ 1.88% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.88% above avgNationally 2.13%
Details

APY up to 3.70%; Regular and IRA Certificates; $500.00 minimum balance required to earn the stated APY

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 31, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Certificate - 3 Months
$500
3.70% ▲ 1.88% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.88% above avgNationally 2.13%
Details

Dividend rate and APY fixed for the term of the account

Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 23, 2026: 3.70% APYOct 23, 2026Oct 31, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
IRA Certificate - 3 Months
$500
3.70% ▲ 1.88% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.88% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 31, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit - Regular CD
$500
3.67% ▲ 1.85% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.85% above avgNationally 2.13%
Details

Regular CD

Rate History
No change since Oct 26, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Oct 26, 2026: 3.67% APYOct 26, 2026Oct 31, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate of Deposit - 3 months (90 Days)
$500
3.67% ▲ 1.85% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.85% above avgNationally 2.13%
Details

Regular CDs

Rate History
No change since Oct 26, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Oct 26, 2026: 3.67% APYOct 26, 2026Oct 31, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
3 Month Certificate
$0
3.65% ▲ 1.83% above Pennsylvania avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.83% above avgNationally 2.13%
Details

APY paid on $1,000 minimum balance

Rate History
No change since Oct 23, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 23, 2026: 3.65% APYOct 23, 2026Oct 31, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Nonpreferred Certificate
$0
3.65% ▲ 1.83% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.83% above avgNationally 2.13%
Details

Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational; APY fixed to maturity; early withdrawal penalty applies

Rate History
No change since Oct 23, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 23, 2026: 3.65% APYOct 23, 2026Oct 31, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificate of Deposit
$0
3.60% ▲ 1.78% above Pennsylvania avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.78% above avgNationally 2.13%
Details

Effective 10/20/2026; APY based on semi-annual compounding; substantial penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 10 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 31, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.60% ▲ 1.78% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.78% above avgNationally 2.13%
Details

Balance: $75,000.00 and over

Rate History
1 change since Oct 13, 2026 · 3.70% → 3.60% ▼ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Oct 13, 2026: 3.70% APYOct 26, 2026: 3.60% APYOct 13, 2026Oct 31, 2026
  • Oct 26, 20263.60%▼ from 3.70%
  • Oct 13, 20263.70%first recorded
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3 Month Bonus Business Certificate
$500
3.55% ▲ 1.73% above Pennsylvania avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.73% above avgNationally 2.13%
Details

Bonus rate for deposits of $75,000 or more; dividend rate 3.50%; early withdrawal penalty 90 days of dividends

Rate History
No change since Oct 28, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 28, 2026: 3.55% APYOct 28, 2026Oct 31, 2026
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month CD
$1,000
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Maximum deposit $250,000 when opened online; $500,000 when opened in the branch; Visit a branch

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 18, 2026: 3.25% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20263.50%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3 Month Business Certificate
$500
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Dividend rate 3.45%; minimum $500 to open and earn standard APY; early withdrawal penalty 90 days of dividends

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 31, 2026
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Share Certificate
$500
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Share Certificates require a minimum opening deposit of $500.00; Description:

Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 31, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Month Regular / IRA
$500
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 31, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Jumbo Certificate 3 Month
$10,000
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 31, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 3 MONTH
$0
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 31, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Balance: $10,000.00 - $74,999.99

Rate History
1 change since Oct 13, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Oct 13, 2026: 3.60% APYOct 26, 2026: 3.50% APYOct 13, 2026Oct 31, 2026
  • Oct 26, 20263.50%▼ from 3.60%
  • Oct 13, 20263.60%first recorded
3Hill Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate of Deposit
$0
3.50% ▲ 1.68% above Pennsylvania avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details

Certificates of Deposit Promo Rates

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
3-month Certificate
$500
3.45% ▲ 1.63% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.63% above avgNationally 2.13%
Details

Rates valid as of October 26, 2026

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 9 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 31, 2026
Brentwood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Certificate of Deposit - 3 Month
$2,000
3.40% ▲ 1.58% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average1.82%▲ 1.58% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 31, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.40% ▲ 1.58% above Pennsylvania avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.58% above avgNationally 2.13%
Details

Balance: $500.00 - $9,999.99

Rate History
1 change since Oct 13, 2026 · 3.50% → 3.40% ▼ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Oct 13, 2026: 3.50% APYOct 26, 2026: 3.40% APYOct 13, 2026Oct 31, 2026
  • Oct 26, 20263.40%▼ from 3.50%
  • Oct 13, 20263.50%first recorded
Clarion County Community Bank
Institution Rating:
A4.8 ★Texas Ratio: 9.68%
Regular Certificate of Deposit - 3 Month
$500
3.35% ▲ 1.53% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.53% above avgNationally 2.13%
Details

Rate History
No change since Oct 31, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 31, 2026: 3.35% APYOct 31, 2026Oct 31, 2026
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
90 Day Jumbo Share Certificate
$75,000
3.31% ▲ 1.49% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average1.82%▲ 1.49% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.31% APY · checked 4 times
2.81%3.31%3.81%Oct 14, 2026: 3.31% APYOct 14, 2026Oct 31, 2026
County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$0
3.25% ▲ 1.43% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.43% above avgNationally 2.13%
Details

Compounded Daily

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 31, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25% ▲ 1.43% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.43% above avgNationally 2.13%
Details

Regular or IRA/HSA Share Certificate; Rates Effective October 28, 2026 to November 3, 2026

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 31, 2026
GNC Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3-Month Share Certificate
$1,000
3.19% ▲ 1.37% above Pennsylvania avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.37% above avgNationally 2.13%
Details

Rates effective as of April 6, 2026; $1,000 minimum

Rate History
No change since Oct 22, 2026 · 3.19% APY · checked 3 times
2.69%3.19%3.69%Oct 22, 2026: 3.19% APYOct 22, 2026Oct 31, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3 Month Share/IRA Certificate
$500
3.14% ▲ 1.32% above Pennsylvania avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.32% above avgNationally 2.13%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 2.68% → 3.14% ▲ 0.46 pts · high 3.14% / low 2.68%
2.18%2.91%3.64%Sep 25, 2026: 2.68% APYOct 23, 2026: 3.14% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20263.14%▲ from 2.68%
  • Sep 25, 20262.68%first recorded
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
3 Months Tier Account
$1,000
3.10% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.28% above avgNationally 2.13%
Details

Balance: $50,000.00-2,000,000.00; Daily balance; A penalty will be imposed for early withdrawal; Rate may be different at time of renewal

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 31, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
IRA - 3 Months - Tier account
$1,000
3.10% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.28% above avgNationally 2.13%
Details

Balance: $50,000.00-2,000,000.00; Daily balances

Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 11, 2026: 3.10% APYSep 11, 2026Oct 31, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month Jumbo Certificates
$0
3.05% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.23% above avgNationally 2.13%
Details

Jumbo Certificates $50,000 Minimum; Dividend Rate 3.008%

Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Oct 8, 2026: 3.05% APYOct 8, 2026Oct 31, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
IRA Certificates - 3 month
$0
3.05% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.23% above avgNationally 2.13%
Details

$1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 23, 2026: 3.05% APYSep 16, 2026Oct 31, 2026
  • Oct 23, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate CD - 3 Month
$2,500
3.00% ▲ 1.18% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.18% above avgNationally 2.13%
Details

Open Online

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 31, 2026

Elco 6 Month CD Rates

Pennsylvania 6 Month CD Average2.85% APYNational 2.79%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 6 Month
$0
4.45% ▲ 1.61% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.61% above avgNationally 2.79%
Details

A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability

Rate History
2 changes since Oct 22, 2026 · 4.46% → 4.45% ▼ 0.01 pts · high 4.46% / low 4.44%
3.94%4.45%4.96%Oct 22, 2026: 4.46% APYOct 26, 2026: 4.44% APYOct 30, 2026: 4.45% APYOct 22, 2026Oct 31, 2026
  • Oct 30, 20264.45%▲ from 4.44%
  • Oct 26, 20264.44%▼ from 4.46%
  • Oct 22, 20264.46%first recorded
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
6-Month CD
$25,000
4.25% ▲ 1.40% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.40% above avgNationally 2.79%
Details

Estimated earnings: $526; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6-Month CD
$25,000
4.25% ▲ 1.40% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.40% above avgNationally 2.79%
Details

Rate History
No change since Oct 28, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 28, 2026: 4.25% APYOct 28, 2026Oct 31, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
6 Month Share Certificate - Level 6
$100,000
4.25% ▲ 1.40% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.40% above avgNationally 2.79%
Details

Printed label repeated for Level 6 6 month term; row 1 of 2

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
6 Month CD
$0
4.23% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.85%▲ 1.39% above avgNationally 2.79%
Details

Rate History
1 change since Oct 22, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
3.68%4.21%4.73%Oct 22, 2026: 4.18% APYOct 27, 2026: 4.23% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20264.23%▲ from 4.18%
  • Oct 22, 20264.18%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
6 Month CD Promo
$1,000
4.20% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.36% above avgNationally 2.79%
Details

Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 31, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Promotion Certificate of Deposit - 6 Month CD
$1,000
4.20% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.36% above avgNationally 2.79%
Details

Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 31, 2026
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Certificate of Deposit - 6 Month
$0
4.14% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.29% above avgNationally 2.79%
Details

Compounding: At maturity; Early Withdrawal Penalty: 3 months interest

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 31, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 Month Certificate of Deposit
$500
4.12% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.28% above avgNationally 2.79%
Details

Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.12% APY · checked 2 times
3.62%4.12%4.62%Oct 26, 2026: 4.12% APYOct 26, 2026Oct 31, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
CD - 6 mos.
$500
4.12% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.28% above avgNationally 2.79%
Details

Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.12% APY · checked 2 times
3.62%4.12%4.62%Oct 26, 2026: 4.12% APYOct 26, 2026Oct 31, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 Month CD
$500
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details

APYs accurate as of October 13, 2026; APYs available for American Bank personal and business accounts; $500 minimum deposit to open a CD account

Rate History
1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 19, 2026: 3.80% APYOct 14, 2026: 4.10% APYSep 19, 2026Oct 31, 2026
  • Oct 14, 20264.10%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 6 Months
$10,000
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
Rate4.06%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details

Special offer; $10,000 New Money

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Business Certificate of Deposit - 6 Month
$500
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details

Minimum deposit for certificates of deposit is $500.00; early withdrawal penalty applies

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Certificates of Deposit - 6 Month
$500
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
6 Month Share Certificate - Level 6
$100,000
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details

Printed label repeated for Level 6 6 month term; row 2 of 2

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
North Penn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.06% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.21% above avgNationally 2.79%
Details

A penalty will apply for early withdrawal

Rate History
No change since Oct 29, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 29, 2026: 4.06% APYOct 29, 2026Oct 31, 2026
Clarion County Community Bank
Institution Rating:
A4.8 ★Texas Ratio: 9.68%
Regular Certificate of Deposit - 6 Month
$500
4.05% ▲ 1.20% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details

Rate History
No change since Oct 31, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 31, 2026: 4.05% APYOct 31, 2026Oct 31, 2026
Hometown Bank of PA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Certificate of Deposit - 6 months
$1,000
4.05% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details

Fixed Rate

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 31, 2026
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
Certificates of Deposit - 6 Month
$10,000
4.05% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details

Minimum to open: $10,000.00; Penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Share Certificate
$500
4.05% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 6 months
$500
4.05% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details

Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 31, 2026
Mercer County Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 Month CD
$500
4.04% ▲ 1.19% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.19% above avgNationally 2.79%
Details

Certificate Rates - Effective October 29, 2026

Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 30, 2026: 3.79% APYOct 1, 2026: 4.04% APYSep 30, 2026Oct 31, 2026
  • Oct 1, 20264.04%▲ from 3.79%
  • Sep 30, 20263.79%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 6 Month Time Deposit
$0
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Fees:

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 6 Months
$500
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
CD/IRA - 6-Month Promotion
$5,000
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

$5,000 deposit must be new money not already on deposit at AmeriServ Bank

Rate History
No change since Oct 31, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 31, 2026: 4.00% APYOct 31, 2026Oct 31, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 Month
$1,000
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Minimum Balance to Avoid Service Charge: $1,000.00; Penalties apply for early withdrawal.

Rate History
1 change since Oct 20, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Oct 20, 2026: 3.65% APYOct 31, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
  • Oct 31, 20264.00%▲ from 3.65%
  • Oct 20, 20263.65%first recorded
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
6 Month Special Promo - Youth Share Certificate
$100
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

6-month Youth certificate promo; primary account owner must be under 18; minimum balance of $100.00 must be maintained to maturity to earn the stated APY; $250,000 maximum investment per member; penalty for early withdrawal may reduce earnings

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
6 Month Youth Certificate Promo
$100
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Promotional rate from homepage promo banner

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
6-Month Youth Certificate
$100
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Primary account owner must be under 18; parent or guardian may be joint owner; must be opened in a branch, not available online; penalty for early withdrawal may reduce earnings

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Youth Certificate - 6 Month Promo
$100
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Dividends compounded quarterly; credited quarterly; Promo rate

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Business Share Certificate
$500
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Penalty for early withdrawal

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 31, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
Share Certificate - 6 months
$0
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Jumbo Certificate 6 Month
$10,000
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.92%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 31, 2026
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share and IRA Certificate - 6-Month Promo (new money only)
$0
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Balance: $500 - $500; New money only

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Honors Certificate
$0
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Laurel Honors certificate

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month Share/IRA Certificate
$500
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
UFCW Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Share Certificate - 6 Months
$500
4.00% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Minimum deposit to earn APY: $500; Effective as of: October 1, 2026

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit - 6 months
$500
3.99% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 3.99% APY · checked 2 times
3.49%3.99%4.49%Oct 23, 2026: 3.99% APYOct 23, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 6 Months
$0
3.96% ▲ 1.11% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.11% above avgNationally 2.79%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Oct 20, 2026: 3.96% APYOct 20, 2026Oct 31, 2026
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
Certificates of Deposit - 6 Month
$1,000
3.95% ▲ 1.11% above Pennsylvania avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.85%▲ 1.11% above avgNationally 2.79%
Details

Penalty may be imposed for withdrawals before maturity.

Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
6 Month IRA Certificate
$500
3.95% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.11% above avgNationally 2.79%
Details

Penalty for early withdrawal may apply

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 25, 2026: 3.50% APYOct 23, 2026: 3.95% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20263.95%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
6 Month Share Certificate
$500
3.95% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.11% above avgNationally 2.79%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 25, 2026: 3.50% APYOct 23, 2026: 3.95% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20263.95%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.94% ▲ 1.09% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.09% above avgNationally 2.79%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.75% → 3.94% ▲ 0.19 pts · high 3.94% / low 3.75%
3.25%3.84%4.44%Oct 7, 2026: 3.75% APYOct 26, 2026: 3.94% APYOct 7, 2026Oct 31, 2026
  • Oct 26, 20263.94%▲ from 3.75%
  • Oct 7, 20263.75%first recorded
Compass Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
6 Month CD
$0
3.92% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.85%▲ 1.07% above avgNationally 2.79%
Details

APY effective October 9, 2026; Penalty may apply for early withdrawal; Walk-in Only

Rate History
1 change since Sep 24, 2026 · 3.82% → 3.92% ▲ 0.10 pts · high 3.92% / low 3.82%
3.32%3.87%4.42%Sep 24, 2026: 3.82% APYOct 21, 2026: 3.92% APYSep 24, 2026Oct 31, 2026
  • Oct 21, 20263.92%▲ from 3.82%
  • Sep 24, 20263.82%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
6 Month Certificate
$500
3.92% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.07% above avgNationally 2.79%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 15, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 15, 2026: 3.92% APYOct 15, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 6 Months
$0
3.91% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.07% above avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
6 Month Certificate Special
$5,000
3.91% ▲ 1.07% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.07% above avgNationally 2.79%
Details

Certificates of Deposit - Effective Wednesday, October 28, 2026

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 31, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
Certificates of Deposit - 6 Months
$2,500
3.90% ▲ 1.05% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.05% above avgNationally 2.79%
Details

Bump-Up: N/A

Rate History
1 change since Oct 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Oct 14, 2026: 3.70% APYOct 26, 2026: 3.90% APYOct 14, 2026Oct 31, 2026
  • Oct 26, 20263.90%▲ from 3.70%
  • Oct 14, 20263.70%first recorded
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
Share Certificate - 6 months
$0
3.90% ▲ 1.05% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.05% above avgNationally 2.79%
Details

Posting Date: Monthly

Rate History
No change since Oct 23, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 23, 2026: 3.90% APYOct 23, 2026Oct 31, 2026

Elco 12 Month CD Rates

Pennsylvania 12 Month CD Average3.05% APYNational 3.01%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 1 Year
$0
4.66% ▲ 1.61% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.61% above avgNationally 3.01%
Details

A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability

Rate History
2 changes since Oct 22, 2026 · 4.67% → 4.66% ▼ 0.01 pts · high 4.67% / low 4.65%
4.15%4.66%5.17%Oct 22, 2026: 4.67% APYOct 26, 2026: 4.65% APYOct 30, 2026: 4.66% APYOct 22, 2026Oct 31, 2026
  • Oct 30, 20264.66%▲ from 4.65%
  • Oct 26, 20264.65%▼ from 4.67%
  • Oct 22, 20264.67%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
1 Year (12 Month) Adjustable CD
$5,000
4.44% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.37%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.39% above avgNationally 3.01%
Details

Adjustable rate; Open account in person; see Determination of Rate and Schedule of Service Fees

Rate History
1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09%
3.59%4.27%4.94%Sep 19, 2026: 4.09% APYOct 7, 2026: 4.44% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20264.44%▲ from 4.09%
  • Sep 19, 20264.09%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
1 Year CD
$0
4.39% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.05%▲ 1.34% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 22, 2026: 4.39% APYOct 22, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.30% above Pennsylvania avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
12-Month CD
$25,000
4.35% ▲ 1.30% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details

Estimated earnings: $1,088; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 31, 2026: 4.35% APYOct 31, 2026Oct 31, 2026
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Certificate of Deposit - 1 Year
$0
4.35% ▲ 1.30% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details

Compounding: Semi-annually; Early Withdrawal Penalty: 3 months interest; IRAs available in this term

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12-Month CD
$25,000
4.35% ▲ 1.30% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details

Rate History
No change since Oct 28, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 28, 2026: 4.35% APYOct 28, 2026Oct 31, 2026
Inspire Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificates - 12 Month Certificate
$500
4.35% ▲ 1.30% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 31, 2026
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificate 12 Months
$0
4.30% ▲ 1.25% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.25% above avgNationally 3.01%
Details

Dividend Rate 4.210%; APY 4.30%

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 12 Months
$0
4.27% ▲ 1.22% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.22% above avgNationally 3.01%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.27% APY · checked 4 times
3.77%4.27%4.77%Oct 20, 2026: 4.27% APYOct 20, 2026Oct 31, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1 Year CD
$1,000
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

Interest Compounded: Quarterly

Rate History
1 change since Sep 20, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 20, 2026: 3.75% APYOct 14, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Share Certificate - New Money Special
$50,000
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

SPECIAL: $50,000 or more new money; New Money Certificate Special; Minimum deposit of $50,000 in new money required to earn 4.25% APY; Early withdrawal penalties apply

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
New Money Certificate Special - 12 Months
$50,000
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

New money special; $50,000 or more new money; minimum deposit of $50,000 in new money required to earn 4.25% APY; maximum $1 million total deposits under this promotion, $250,000 per household; transfers from existing Penlanco FCU accounts or certificates do not qualify

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 12-Month
$500
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 12, 2026: 3.85% APYSep 20, 2026: 4.00% APYOct 15, 2026: 4.25% APYSep 12, 2026Oct 31, 2026
  • Oct 15, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%▲ from 3.85%
  • Sep 12, 20263.85%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 12-Month
$500
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
1-Year CD Special
$1,000
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

For a limited time; dividends posted annually; offer may end without notice

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 31, 2026
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Certificate of Deposit - 1 Year - Promo
$1,000
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

Promo; Certificates of Deposit (effective as of September 23, 2026)

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
U S Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA 1 Year Starter Add-On Certificate
$0
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
12 Month Certificate
$500
4.24% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.19% above avgNationally 3.01%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Oct 15, 2026 · 3.87% → 4.24% ▲ 0.37 pts · high 4.24% / low 3.87%
3.37%4.06%4.74%Oct 15, 2026: 3.87% APYOct 23, 2026: 4.24% APYOct 15, 2026Oct 31, 2026
  • Oct 23, 20264.24%▲ from 3.87%
  • Oct 15, 20263.87%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 12 Months
$0
4.22% ▲ 1.17% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.17% above avgNationally 3.01%
Details

Rate History
No change since Oct 20, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Oct 20, 2026: 4.22% APYOct 20, 2026Oct 31, 2026
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Ladder CD 1 Year
$10,000
4.22% ▲ 1.17% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.17% above avgNationally 3.01%
Details

CD Ladder kicker rate; requires three or more CDs with different staggered terms, like ownership, each opened with $10,000 minimum; kicker rate valid for initial term only; IRAs excluded

Rate History
No change since Oct 21, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 21, 2026: 4.22% APYOct 21, 2026Oct 31, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 12 Month
$250
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

Minimum Balance to Avoid Service Charge: $250.00; Penalties apply for early withdrawal.

Rate History
1 change since Oct 20, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Oct 20, 2026: 3.85% APYOct 31, 2026: 4.20% APYOct 20, 2026Oct 31, 2026
  • Oct 31, 20264.20%▲ from 3.85%
  • Oct 20, 20263.85%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
12 Month IRA Certificate
$0
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

IRA Certificate; 12-month 4.20% APY available for Term Share IRA(s) only with a minimum balance of $1,000; penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.20% ▲ 0.29 pts · high 4.20% / low 3.91%
3.41%4.06%4.70%Sep 14, 2026: 3.91% APYSep 18, 2026: 4.10% APYOct 23, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Month Jumbo HSA Certificate - Special Relationship
$50,000
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

Balance: $50,000 and over; Special Relationship

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 21, 2026: 3.90% APYOct 26, 2026: 4.20% APYSep 21, 2026Oct 31, 2026
  • Oct 26, 20264.20%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo HSA Certificate - 12 Months - Special Relationship
$50,000
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYOct 26, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo IRA Certificate - 12 Months - Special Relationship
$0
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo Share Certificates - 12 Months - Special Relationship
$50,000
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificate 12 Months
$0
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

Dividend Rate 4.114%; APY 4.20%

Rate History
No change since Oct 19, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 31, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 Month Certificate of Deposit
$500
4.17% ▲ 1.12% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.12% above avgNationally 3.01%
Details

Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 26, 2026: 4.17% APYOct 26, 2026Oct 31, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
CD - 12 mos.
$500
4.17% ▲ 1.12% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.12% above avgNationally 3.01%
Details

Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 26, 2026: 4.17% APYOct 26, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 12 Month Time Deposit
$0
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Fees:

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 12 Months
$500
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Clarion County Community Bank
Institution Rating:
A4.8 ★Texas Ratio: 9.68%
Regular Certificate of Deposit - 12 Month
$500
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Rate History
No change since Oct 31, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 31, 2026: 4.15% APYOct 31, 2026Oct 31, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Business Certificate of Deposit - 12 Month
$500
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Minimum deposit for certificates of deposit is $500.00; early withdrawal penalty applies

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 31, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Certificates of Deposit - 12 Month
$500
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 21, 2026: 4.15% APYOct 21, 2026Oct 31, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Business Share Certificate
$500
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Penalty for early withdrawal

Rate History
No change since Sep 12, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 12, 2026: 4.15% APYSep 12, 2026Oct 31, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
Share Certificate - 12 months
$0
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 23, 2026: 4.15% APYOct 23, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Share Certificate
$500
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 15, 2026: 4.15% APYOct 15, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 12 months
$500
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 15, 2026: 4.15% APYOct 15, 2026Oct 31, 2026
Omega Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
12 Month Share Certificate
$0
4.15% ▲ 1.10% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details

Featured homepage rate; Certificate Rates

Rate History
No change since Oct 1, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Oct 1, 2026: 4.15% APYOct 1, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14% ▲ 1.09% above Pennsylvania avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.09% above avgNationally 3.01%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 31, 2026
Slovenian S&L of Canonsburg
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
12 Month Certificate
$1,000
4.14% ▲ 1.09% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.09% above avgNationally 3.01%
Details

Early withdrawal penalty: 3 months interest loss, whether earned or not

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.14% ▲ 0.14 pts · high 4.14% / low 4.00%
3.50%4.07%4.64%Sep 14, 2026: 4.00% APYOct 12, 2026: 4.14% APYSep 14, 2026Oct 31, 2026
  • Oct 12, 20264.14%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 1.05% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
1 Year CD
$500
4.10% ▲ 1.05% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details

APYs accurate as of October 13, 2026; APYs available for American Bank personal and business accounts; $500 minimum deposit to open a CD account

Rate History
1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 19, 2026: 3.80% APYOct 14, 2026: 4.10% APYSep 19, 2026Oct 31, 2026
  • Oct 14, 20264.10%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Certificate of Deposit - 12 Month
$500
4.10% ▲ 1.05% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details

Interest compounded daily; Minimum Deposit $500

Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 31, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Certificate of Deposit - 12 Months
$0
4.10% ▲ 1.05% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details

Balance: $5,000 & over

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
12 Month Jumbo IRA Certificate
$100,000
4.10% ▲ 1.05% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details

Penalty for early withdrawal may apply; Rates in effect 10/19/2026

Rate History
1 change since Oct 8, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Oct 8, 2026: 3.65% APYOct 23, 2026: 4.10% APYOct 8, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.65%
  • Oct 8, 20263.65%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
12 Month Jumbo Share Certificate
$0
4.10% ▲ 1.05% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details

Deposit rates in effect 10/19/2026

Rate History
1 change since Sep 25, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 25, 2026: 3.65% APYOct 23, 2026: 4.10% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
12 Month CD
$0
4.10% ▲ 1.05% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details

Rate History
1 change since Oct 15, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Oct 15, 2026: 4.00% APYOct 23, 2026: 4.10% APYOct 15, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 4.00%
  • Oct 15, 20264.00%first recorded

Elco 18 Month CD Rates

Pennsylvania 18 Month CD Average3.06% APYNational 2.91%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month SEP IRA Certificate
$0
4.50% ▲ 1.44% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.44% above avgNationally 2.91%
Details

IRA opened BEFORE November 1st, 2002

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 19, 2026: 3.75% APYOct 14, 2026: 4.50% APYSep 19, 2026Oct 31, 2026
  • Oct 14, 20264.50%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month Traditional IRA Certificate
$0
4.50% ▲ 1.44% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.44% above avgNationally 2.91%
Details

IRA opened BEFORE November 1st, 2002

Rate History
1 change since Sep 19, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 19, 2026: 3.75% APYOct 14, 2026: 4.50% APYSep 19, 2026Oct 31, 2026
  • Oct 14, 20264.50%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
18 Month CD Promo
$1,000
4.40% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.34% above avgNationally 2.91%
Details

Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 31, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Promotion Certificate of Deposit - 18 Month CD
$1,000
4.40% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.34% above avgNationally 2.91%
Details

Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.37% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.31% above avgNationally 2.91%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
18-Month CD
$25,000
4.35% ▲ 1.29% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.29% above avgNationally 2.91%
Details

Estimated earnings: $1,649; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 31, 2026: 4.35% APYOct 31, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18-Month CD
$25,000
4.35% ▲ 1.29% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.29% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 28, 2026: 4.35% APYOct 28, 2026Oct 31, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 18 MONTH
$0
4.35% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.29% above avgNationally 2.91%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 31, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
IRA Certificate - 18 Month
$500
4.33% ▲ 1.27% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.27% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Oct 20, 2026: 4.33% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.32% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.26% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Oct 20, 2026: 4.32% APYOct 20, 2026Oct 31, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 18-Month
$500
4.30% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 15, 2026: 4.30% APYSep 12, 2026Oct 31, 2026
  • Oct 15, 20264.30%▲ from 4.05%
  • Sep 20, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 18-Month
$500
4.30% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo HSA Certificate - 18 Months - Special Relationship
$50,000
4.30% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.24%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details

Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.20% → 4.30% ▲ 1.10 pts · high 4.30% / low 3.20%
2.10%3.75%5.40%Sep 14, 2026: 3.20% APYOct 26, 2026: 4.30% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo IRA Certificate - 18 Months - Special Relationship
$0
4.30% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details

Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo Share Certificates - 18 Months - Special Relationship
$50,000
4.30% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.24%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details

Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27% ▲ 1.21% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.06%▲ 1.21% above avgNationally 2.91%
Details

Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term

Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 31, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.06%▲ 1.21% above avgNationally 2.91%
Details

Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month CD
$1,000
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
First Keystone Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
Certificate of Deposit - 18 Months
$1,000
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
First Keystone Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
Fixed Rate CD - 18 Months
$1,000
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
9 through 60 month Certificates of Deposit - 18 month
$500
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Balance: $50,000+; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificate - 18 Month
$500
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month CD
$1,000
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Interest Compounded: Quarterly

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Share Certificate
$500
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 18 months
$500
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24% ▲ 1.18% above Pennsylvania avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.18% above avgNationally 2.91%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 31, 2026
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
18 Month 18 MTH IRA SHARE CD
$1,000
4.22% ▲ 1.16% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details

Rate History
No change since Oct 15, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 15, 2026: 4.22% APYOct 15, 2026Oct 31, 2026
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
18 Month Certificate
$1,000
4.22% ▲ 1.16% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60%
2.98%3.91%4.84%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.22% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.22%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Certificate Special - 18 Months
$1,000
4.22% ▲ 1.16% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details

Rate History
1 change since Oct 5, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60%
2.98%3.91%4.84%Oct 5, 2026: 3.60% APYOct 13, 2026: 4.22% APYOct 5, 2026Oct 31, 2026
  • Oct 13, 20264.22%▲ from 3.60%
  • Oct 5, 20263.60%first recorded
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Share Certificate 18 Month
$1,000
4.22% ▲ 1.16% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.22% ▲ 0.47 pts · high 4.22% / low 3.75%
3.25%3.99%4.72%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.22% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.22%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 Month Certificate of Deposit
$500
4.22% ▲ 1.16% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details

Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 26, 2026: 4.22% APYOct 26, 2026Oct 31, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
CD - 18 mos.
$500
4.22% ▲ 1.16% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details

Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 26, 2026: 4.22% APYOct 26, 2026Oct 31, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
Certificate of Deposit - 18 Months
$0
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Balance: $5,000 & over

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 31, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
18 Month Legacy Club Certificate
$0
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Legacy Club; APY paid on $1,000 minimum balance

Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Month HSA Certificate - Special Relationships
$500
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Balance: $500 - $49,999; Special Relationships; HSA Certificate

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.20% ▲ 1.10 pts · high 4.20% / low 3.10%
2.00%3.65%5.30%Sep 18, 2026: 3.10% APYOct 26, 2026: 4.20% APYSep 18, 2026Oct 31, 2026
  • Oct 26, 20264.20%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Month Jumbo HSA Certificate
$50,000
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Balance: $50,000 and over; General Membership

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
HSA Certificate - 18 Months - Special Relationships
$500
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA Certificates - 18 Months - Special Relationship
$500
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo HSA Certificate - 18 Months
$50,000
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies

Rate History
2 changes since Sep 14, 2026 · 3.10% → 4.20% ▲ 1.10 pts · high 4.20% / low 3.10%
2.00%3.65%5.30%Sep 14, 2026: 3.10% APYSep 18, 2026: 3.20% APYOct 26, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.20%▲ from 3.20%
  • Sep 18, 20263.20%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo IRA Certificate - 18 Months
$0
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo Share Certificates - 18 Months
$50,000
4.20% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details

Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000

Rate History
1 change since Oct 9, 2026 · 3.20% → 4.20% ▲ 1.00 pts · high 4.20% / low 3.20%
2.20%3.70%5.20%Oct 9, 2026: 3.20% APYOct 26, 2026: 4.20% APYOct 9, 2026Oct 31, 2026
  • Oct 26, 20264.20%▲ from 3.20%
  • Oct 9, 20263.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.16% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.16% APY · checked 4 times
3.66%4.16%4.66%Oct 20, 2026: 4.16% APYOct 20, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 1.09% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.09% above avgNationally 2.91%
Details

Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Jumbo IRA Certificate
$100,000
4.15% ▲ 1.09% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.09% above avgNationally 2.91%
Details

Penalty for early withdrawal may apply; Rates in effect 10/19/2026

Rate History
1 change since Oct 8, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Oct 8, 2026: 3.65% APYOct 23, 2026: 4.15% APYOct 8, 2026Oct 31, 2026
  • Oct 23, 20264.15%▲ from 3.65%
  • Oct 8, 20263.65%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Jumbo Share Certificate
$0
4.15% ▲ 1.09% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.09% above avgNationally 2.91%
Details

Deposit rates in effect 10/19/2026

Rate History
1 change since Sep 25, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65%
3.15%3.90%4.65%Sep 25, 2026: 3.65% APYOct 23, 2026: 4.15% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.15%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month Certificate
$500
4.13% ▲ 1.07% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.07% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Oct 15, 2026 · 4.08% → 4.13% ▲ 0.05 pts · high 4.13% / low 4.08%
3.58%4.11%4.63%Oct 15, 2026: 4.08% APYOct 23, 2026: 4.13% APYOct 15, 2026Oct 31, 2026
  • Oct 23, 20264.13%▲ from 4.08%
  • Oct 15, 20264.08%first recorded
The Honesdale National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Regular CD - CD Special 18 Months
$0
4.12% ▲ 1.06% above Pennsylvania avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.06% above avgNationally 2.91%
Details

Regular CDs; CD Special

Rate History
No change since Oct 26, 2026 · 4.12% APY · checked 3 times
3.62%4.12%4.62%Oct 26, 2026: 4.12% APYOct 26, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 1.04% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.04% above avgNationally 2.91%
Details

Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Certificate of Deposit - 18 Month
$500
4.10% ▲ 1.04% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.04% above avgNationally 2.91%
Details

Interest compounded daily; Minimum Deposit $500

Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 31, 2026

Elco 24 Month CD Rates

Pennsylvania 24 Month CD Average2.89% APYNational 2.91%Unchanged from last week
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: 5.78%
2 Year (24 Month) Adjustable CD
$5,000
4.73% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.65%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.84% above avgNationally 2.91%
Details

Adjustable rate; Open account in person; see Determination of Rate and Schedule of Service Fees

Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
3.79%4.51%5.23%Sep 19, 2026: 4.29% APYOct 7, 2026: 4.73% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20264.73%▲ from 4.29%
  • Sep 19, 20264.29%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
2 Year CD
$0
4.44% ▲ 1.55% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.89%▲ 1.55% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 22, 2026: 4.44% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.42% ▲ 1.53% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.53% above avgNationally 2.91%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
3.92%4.42%4.92%Oct 20, 2026: 4.42% APYOct 20, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
24-Month CD
$25,000
4.40% ▲ 1.51% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.51% above avgNationally 2.91%
Details

Estimated earnings: $2,248; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 31, 2026: 4.40% APYOct 31, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40% ▲ 1.51% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.51% above avgNationally 2.91%
Details

Rate History
No change since Oct 28, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 28, 2026: 4.40% APYOct 28, 2026Oct 31, 2026
Inspire Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificates - 24 Month Certificate
$500
4.40% ▲ 1.51% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.51% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.37% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.48% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
MERCK SHARP and DOHME Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo Certificates - 24-Month
$0
4.35% ▲ 1.46% above Pennsylvania avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.89%▲ 1.46% above avgNationally 2.91%
Details

Dividend Rate and APY as printed; rates effective as of 10/21/2026

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 14, 2026: 3.90% APYSep 18, 2026: 4.15% APYOct 26, 2026: 4.35% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 31, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 24-Month
$500
4.30% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 15, 2026: 4.30% APYSep 12, 2026Oct 31, 2026
  • Oct 15, 20264.30%▲ from 4.05%
  • Sep 20, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 24-Month
$500
4.30% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30% ▲ 1.41% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details

Balance: $250,000.01+; Dividend Earnings: $24,409.71; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 31, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 24 MONTH
$0
4.30% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details

Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29% ▲ 1.40% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.40% above avgNationally 2.91%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 31, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 Month Certificate of Deposit
$500
4.28% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.39% above avgNationally 2.91%
Details

Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 26, 2026: 4.28% APYOct 26, 2026Oct 31, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
CD - 24 mos.
$500
4.28% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.39% above avgNationally 2.91%
Details

Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal

Rate History
No change since Oct 26, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 26, 2026: 4.28% APYOct 26, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Business Share Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month IRA Share Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Share Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity

Rate History
1 change since Sep 24, 2026 · 4.17% → 4.25% ▲ 0.08 pts · high 4.25% / low 4.17%
3.67%4.21%4.75%Sep 24, 2026: 4.17% APYOct 14, 2026: 4.25% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.17%
  • Sep 24, 20264.17%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
IRA Share Certificate - 24 Month IRA
$0
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

APY listed paid on $500 minimum balance; Must open with $500 minimum in new money or have a First Harvest Checking Account

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
Share Certificate - 24 Month
$0
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Must open with $500 minimum in new money or have a First Harvest Checking Account

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month CD
$1,000
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 13 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2 Year CD
$1,000
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Interest Compounded: Quarterly

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 Month CD
$0
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Rate History
1 change since Oct 15, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 15, 2026: 4.00% APYOct 23, 2026: 4.25% APYOct 15, 2026Oct 31, 2026
  • Oct 23, 20264.25%▲ from 4.00%
  • Oct 15, 20264.00%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Share Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 24 months
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Balance: $100,000-$250,000; Dividend Earnings: $8,855.36; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 31, 2026
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA 24 Month Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Share Certificate - 24 Month
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Rate History
1 change since Oct 9, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Oct 9, 2026: 4.15% APYOct 26, 2026: 4.25% APYOct 9, 2026Oct 31, 2026
  • Oct 26, 20264.25%▲ from 4.15%
  • Oct 9, 20264.15%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
24-month Jumbo Certificate
$0
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

Balance: $75,000+; Rates valid as of October 26, 2026

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 22, 2026: 4.15% APYOct 29, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.25%▲ from 4.15%
  • Sep 22, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.22% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.33% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Oct 20, 2026: 4.22% APYOct 20, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Month Jumbo IRA Certificate
$100,000
4.21% ▲ 1.32% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.32% above avgNationally 2.91%
Details

Penalty for early withdrawal may apply; Rates in effect 10/19/2026

Rate History
No change since Oct 8, 2026 · 4.21% APY · checked 4 times
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Month Jumbo Share Certificate
$0
4.21% ▲ 1.32% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.32% above avgNationally 2.91%
Details

Deposit rates in effect 10/19/2026

Rate History
No change since Sep 25, 2026 · 4.21% APY · checked 4 times
3.71%4.21%4.71%Sep 25, 2026: 4.21% APYSep 25, 2026Oct 31, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 24-Month Add-On
$500
4.20% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.91%
Details

Add-On

Rate History
2 changes since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 12, 2026: 3.80% APYSep 20, 2026: 3.95% APYOct 15, 2026: 4.20% APYSep 12, 2026Oct 31, 2026
  • Oct 15, 20264.20%▲ from 3.95%
  • Sep 20, 20263.95%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 24-Month Add-On
$500
4.20% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.20% ▲ 1.31% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.91%
Details

Balance: $10,000-$24,999; Dividend Earnings: $874.69; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 31, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
24-month Certificate
$500
4.20% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.91%
Details

Rates valid as of October 26, 2026

Rate History
2 changes since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.10% APYOct 29, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.20%▲ from 4.10%
  • Sep 22, 20264.10%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
24-month Fixed-Rate IRA Only
$500
4.20% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.10% APYOct 29, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.20%▲ from 4.10%
  • Sep 22, 20264.10%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
MERCK SHARP and DOHME Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Certificate 24-Month
$0
4.20% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.91%
Details

Minimum balance on certificates is $500; Penalties for early withdrawal apply

Rate History
No change since Oct 26, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 26, 2026: 4.20% APYOct 26, 2026Oct 31, 2026
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Share Certificate - 24 Month SPECIAL
$1,000
4.19% ▲ 1.30% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.30% above avgNationally 2.91%
Details

Dividend Rate 4.10%; Galaxy FCU reserves the right to discontinue this offer at any time; APY assumes dividends remain on deposit; dividends paid quarterly; rates effective 7/01/2026

Rate History
No change since Oct 8, 2026 · 4.19% APY · checked 3 times
3.69%4.19%4.69%Oct 8, 2026: 4.19% APYOct 8, 2026Oct 31, 2026
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
Share Certificate - 24 Month
$50,000
4.17% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.11%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.89%▲ 1.28% above avgNationally 2.91%
Details

Pay monthly into Regular Share Account; $50,000 minimum deposit

Rate History
No change since Oct 30, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 30, 2026: 4.17% APYOct 30, 2026Oct 31, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 24 Month Jumbo
$0
4.16% ▲ 1.27% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.27% above avgNationally 2.91%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 23, 2026: 4.16% APYOct 23, 2026Oct 31, 2026
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
IRA Share Certificates - 24 Month
$500
4.15% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.26% above avgNationally 2.91%
Details

Fixed; dividends compounded quarterly; dividends credited quarterly; dividend period account's term; additional deposits not allowed; automatically renew

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
2.85%3.83%4.80%Sep 14, 2026: 3.50% APYSep 21, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Sep 21, 20264.15%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Share Certificate - 24 Month
$500
4.15% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.26% above avgNationally 2.91%
Details

Valid as of 9/17/2026; Fixed rate; Dividends compounded and credited quarterly; Additional deposits not allowed; Withdrawals allowed for dividends only; Automatically renews

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 31, 2026
Spirit Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2 Year Share Certificate / IRA Certificate
$0
4.15% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.26% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 10 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
Share Certificate - 24 Month
$25,000
4.14% ▲ 1.25% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.89%▲ 1.25% above avgNationally 2.91%
Details

Pay monthly into Regular Share Account; $25,000 minimum deposit

Rate History
No change since Oct 30, 2026 · 4.14% APY
3.64%4.14%4.64%Oct 30, 2026: 4.14% APYOct 30, 2026Oct 31, 2026
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Term Share Certificate
$1,000
4.13% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.24% above avgNationally 2.91%
Details

Rate History
1 change since Oct 22, 2026 · 3.68% → 4.13% ▲ 0.45 pts · high 4.13% / low 3.68%
3.18%3.91%4.63%Oct 22, 2026: 3.68% APYOct 28, 2026: 4.13% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.13%▲ from 3.68%
  • Oct 22, 20263.68%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Traditional IRA Share Certificate
$1,000
4.13% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.24% above avgNationally 2.91%
Details

Rate History
1 change since Oct 22, 2026 · 3.68% → 4.13% ▲ 0.45 pts · high 4.13% / low 3.68%
3.18%3.91%4.63%Oct 22, 2026: 3.68% APYOct 28, 2026: 4.13% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.13%▲ from 3.68%
  • Oct 22, 20263.68%first recorded
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Ladder CD 2 Year
$10,000
4.11% ▲ 1.22% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.22% above avgNationally 2.91%
Details

CD Ladder kicker rate; requires three or more CDs with different staggered terms, like ownership, each opened with $10,000 minimum; kicker rate valid for initial term only; IRAs excluded

Rate History
No change since Oct 21, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 21, 2026: 4.11% APYOct 21, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Month IRA Certificate
$500
4.11% ▲ 1.22% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.22% above avgNationally 2.91%
Details

Penalty for early withdrawal may apply

Rate History
No change since Sep 25, 2026 · 4.11% APY · checked 7 times
3.61%4.11%4.61%Sep 25, 2026: 4.11% APYSep 25, 2026Oct 31, 2026

Elco 36 Month CD Rates

Pennsylvania 36 Month CD Average2.76% APYNational 2.82%▲ 0.01% from last week
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: 5.78%
3 Year Adjustable CD
$1,000
4.81% ▲ 2.05% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 2.05% above avgNationally 2.82%
Details

Adjustable rate; Not available for purchase effective June 7, 2022; see Schedule of Service Fees

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 31, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Year Adjustable IRA
$1,000
4.81% ▲ 2.05% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 2.05% above avgNationally 2.82%
Details

Adjustable rate; Not available for purchase effective June 7, 2022; see Schedule of Service Fees

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 31, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.52% ▲ 1.76% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.76% above avgNationally 2.82%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
4.02%4.52%5.02%Oct 20, 2026: 4.52% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.52% ▲ 1.76% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.76% above avgNationally 2.82%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.11% → 4.52% ▲ 0.41 pts · high 4.52% / low 4.11%
3.61%4.31%5.02%Sep 8, 2026: 4.11% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.52%▲ from 4.11%
  • Sep 8, 20264.11%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50% ▲ 1.74% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.74% above avgNationally 2.82%
Details

Balance: $250,000.01+; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 31, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
3 Year CD
$0
4.49% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.76%▲ 1.73% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 22, 2026: 4.49% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.47% ▲ 1.71% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.71% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.47% APY · checked 4 times
3.97%4.47%4.97%Oct 20, 2026: 4.47% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.47% ▲ 1.71% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.71% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
3.56%4.27%4.97%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.47% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.47%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45% ▲ 1.69% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.69% above avgNationally 2.82%
Details

Balance: $100,000-$250,000; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40% ▲ 1.64% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.64% above avgNationally 2.82%
Details

Balance: $10,000-$24,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.32% ▲ 1.56% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.56% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Oct 20, 2026: 4.32% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.32% ▲ 1.56% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.56% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
3.41%4.12%4.82%Sep 8, 2026: 3.91% APYOct 20, 2026: 4.32% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.32%▲ from 3.91%
  • Sep 8, 20263.91%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30% ▲ 1.54% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.54% above avgNationally 2.82%
Details

Balance: $1,000-$9,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 31, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Traditional IRA Share Certificate
$0
4.28% ▲ 1.52% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.52% above avgNationally 2.82%
Details

Minimum balance for all Certificates is $500.

Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 31, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Year CD
$1,000
4.25% ▲ 1.49% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.76%▲ 1.49% above avgNationally 2.82%
Details

Interest Compounded: Quarterly

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
36 Month Certificate
$0
4.23% ▲ 1.47% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.47% above avgNationally 2.82%
Details

Featured rate, $50,000 minimum

Rate History
2 changes since Sep 27, 2026 · 3.76% → 4.23% ▲ 0.47 pts · high 4.23% / low 3.76%
3.26%4.00%4.73%Sep 27, 2026: 3.76% APYOct 10, 2026: 3.86% APYOct 30, 2026: 4.23% APYSep 27, 2026Oct 31, 2026
  • Oct 30, 20264.23%▲ from 3.86%
  • Oct 10, 20263.86%▲ from 3.76%
  • Sep 27, 20263.76%first recorded
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
Share Certificate - 36 Month
$50,000
4.23% ▲ 1.47% above Pennsylvania avg
View
▼
Rate4.16%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.47% above avgNationally 2.82%
Details

Pay monthly into Regular Share Account; $50,000 minimum deposit

Rate History
No change since Oct 30, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 30, 2026: 4.23% APYOct 30, 2026Oct 31, 2026
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Term Share Certificate
$1,000
4.21% ▲ 1.45% above Pennsylvania avg
View
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.45% above avgNationally 2.82%
Details

Rate History
1 change since Oct 22, 2026 · 3.74% → 4.21% ▲ 0.47 pts · high 4.21% / low 3.74%
3.24%3.98%4.71%Oct 22, 2026: 3.74% APYOct 28, 2026: 4.21% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.21%▲ from 3.74%
  • Oct 22, 20263.74%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Traditional IRA Share Certificate
$1,000
4.21% ▲ 1.45% above Pennsylvania avg
View
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.45% above avgNationally 2.82%
Details

Rate History
1 change since Oct 22, 2026 · 3.74% → 4.21% ▲ 0.47 pts · high 4.21% / low 3.74%
3.24%3.98%4.71%Oct 22, 2026: 3.74% APYOct 28, 2026: 4.21% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.21%▲ from 3.74%
  • Oct 22, 20263.74%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Month Jumbo IRA Certificate
$100,000
4.20% ▲ 1.44% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.44% above avgNationally 2.82%
Details

Penalty for early withdrawal may apply; Rates in effect 10/19/2026

Rate History
1 change since Oct 8, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Oct 8, 2026: 3.70% APYOct 23, 2026: 4.20% APYOct 8, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 3.70%
  • Oct 8, 20263.70%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Month Jumbo Share Certificate
$0
4.20% ▲ 1.44% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.44% above avgNationally 2.82%
Details

Deposit rates in effect 10/19/2026

Rate History
1 change since Sep 25, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 25, 2026: 3.70% APYOct 23, 2026: 4.20% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 3.70%
  • Sep 25, 20263.70%first recorded
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
Share Certificate - 36 Month
$25,000
4.19% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.13%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.43% above avgNationally 2.82%
Details

Pay monthly into Regular Share Account; $25,000 minimum deposit

Rate History
No change since Oct 30, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 30, 2026: 4.19% APYOct 30, 2026Oct 31, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Share Certificate
$0
4.18% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.42% above avgNationally 2.82%
Details

Minimum balance for all Certificates is $500.

Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 31, 2026
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit - 3 year
$1,000
4.16% ▲ 1.40% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.40% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 23, 2026: 4.16% APYOct 23, 2026Oct 31, 2026
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
36 Month Certificate
$0
4.16% ▲ 1.40% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.40% above avgNationally 2.82%
Details

Featured rate, $1,000 minimum

Rate History
2 changes since Sep 27, 2026 · 3.70% → 4.16% ▲ 0.46 pts · high 4.16% / low 3.70%
3.20%3.93%4.66%Sep 27, 2026: 3.70% APYOct 10, 2026: 3.80% APYOct 30, 2026: 4.16% APYSep 27, 2026Oct 31, 2026
  • Oct 30, 20264.16%▲ from 3.80%
  • Oct 10, 20263.80%▲ from 3.70%
  • Sep 27, 20263.70%first recorded
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
Share Certificate - 36 Month
$1,000
4.16% ▲ 1.40% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.40% above avgNationally 2.82%
Details

Pay monthly into Regular Share Account; $1,000 minimum deposit

Rate History
No change since Oct 30, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 30, 2026: 4.16% APYOct 30, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.39% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.39% above avgNationally 2.82%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
U S Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.39% above avgNationally 2.82%
Details

Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.13% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.37% above avgNationally 2.82%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 3 Years
$100,000
4.13% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.37% above avgNationally 2.82%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 31, 2026
Affiliated Trades Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
36 Month Share Certificate
$50,000
4.11% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.35% above avgNationally 2.82%
Details

Early withdrawal subject to 90 day dividend penalty

Rate History
1 change since Oct 22, 2026 · 4.06% → 4.11% ▲ 0.05 pts · high 4.11% / low 4.06%
3.56%4.09%4.61%Oct 22, 2026: 4.06% APYOct 29, 2026: 4.11% APYOct 22, 2026Oct 31, 2026
  • Oct 29, 20264.11%▲ from 4.06%
  • Oct 22, 20264.06%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Month IRA Certificate
$500
4.10% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Penalty for early withdrawal may apply

Rate History
1 change since Sep 25, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 25, 2026: 3.60% APYOct 23, 2026: 4.10% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.60%
  • Sep 25, 20263.60%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Month Share Certificate
$500
4.10% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Rate History
1 change since Sep 25, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 25, 2026: 3.60% APYOct 23, 2026: 4.10% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.10%▲ from 3.60%
  • Sep 25, 20263.60%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
36 Month IRA Certificate - Traditional or Roth
$2,000
4.10% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 31, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 36-Month
$1,000
4.10% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 12, 2026: 3.95% APYSep 20, 2026: 4.10% APYSep 12, 2026Oct 31, 2026
  • Sep 20, 20264.10%▲ from 3.95%
  • Sep 12, 20263.95%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 36-Month
$1,000
4.10% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month Certificate
$0
4.10% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.34% above avgNationally 2.82%
Details

Effective as 10/01/2026

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Term Certificate
$500
4.08% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.32% above avgNationally 2.82%
Details

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 3 Years
$500
4.08% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.32% above avgNationally 2.82%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 3 Years
$500
4.08% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.32% above avgNationally 2.82%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
36 Month Share/IRA Certificate
$500
4.07% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.31% above avgNationally 2.82%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20%
2.33%3.64%4.94%Sep 25, 2026: 3.20% APYOct 23, 2026: 4.07% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.07%▲ from 3.20%
  • Sep 25, 20263.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.01% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.25% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Oct 20, 2026: 4.01% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.01% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.25% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 3.60% → 4.01% ▲ 0.41 pts · high 4.01% / low 3.60%
3.10%3.80%4.51%Sep 8, 2026: 3.60% APYOct 20, 2026: 4.01% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.01%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
36 Month Certificate Accounts - Junior Share Certificate
$250
4.01% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.25% above avgNationally 2.82%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required

Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 22, 2026: 4.01% APYOct 22, 2026Oct 31, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
36 Month Certificate
$0
4.01% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.25% above avgNationally 2.82%
Details

APY paid on $1,000 minimum balance

Rate History
No change since Oct 23, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 23, 2026: 4.01% APYOct 23, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
36-Month CD
$25,000
4.00% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.24% above avgNationally 2.82%
Details

Estimated earnings: $3,122; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 31, 2026: 4.00% APYOct 31, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
9 through 60 month Certificates of Deposit - 36 month
$500
4.00% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.24% above avgNationally 2.82%
Details

Balance: $50,000+; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
36-Month CD
$25,000
4.00% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.24% above avgNationally 2.82%
Details

Rate History
No change since Oct 28, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 28, 2026: 4.00% APYOct 28, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Share Certificate
$500
4.00% ▲ 1.24% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.24% above avgNationally 2.82%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026

Elco 48 Month CD Rates

Pennsylvania 48 Month CD Average2.64% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.96% above avgNationally 2.81%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.81%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 20, 2026: 4.58% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.81%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55% ▲ 1.91% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.91% above avgNationally 2.81%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 6 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 31, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4 Year CD
$0
4.54% ▲ 1.90% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.64%▲ 1.90% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 22, 2026: 4.54% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
4.02%4.52%5.02%Oct 20, 2026: 4.52% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
3.66%4.34%5.02%Sep 8, 2026: 4.16% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.52%▲ from 4.16%
  • Sep 8, 20264.16%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.86% above avgNationally 2.81%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40% ▲ 1.76% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.76% above avgNationally 2.81%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 31, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Traditional IRA Share Certificate
$0
4.39% ▲ 1.75% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.75% above avgNationally 2.81%
Details

Minimum balance for all Certificates is $500.

Rate History
No change since Oct 13, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Oct 13, 2026: 4.39% APYOct 13, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
3.51%4.19%4.87%Sep 8, 2026: 4.01% APYOct 20, 2026: 4.37% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.37%▲ from 4.01%
  • Sep 8, 20264.01%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Share Certificate
$0
4.28% ▲ 1.64% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.64% above avgNationally 2.81%
Details

Minimum balance for all Certificates is $500.

Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 31, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4 Year CD
$1,000
4.25% ▲ 1.61% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.64%▲ 1.61% above avgNationally 2.81%
Details

Interest Compounded: Quarterly

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
48 Month Term Share Certificate
$1,000
4.25% ▲ 1.61% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.61% above avgNationally 2.81%
Details

Rate History
1 change since Oct 22, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79%
3.29%4.02%4.75%Oct 22, 2026: 3.79% APYOct 28, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.25%▲ from 3.79%
  • Oct 22, 20263.79%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
48 Month Traditional IRA Share Certificate
$1,000
4.25% ▲ 1.61% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.61% above avgNationally 2.81%
Details

Rate History
1 change since Oct 22, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79%
3.29%4.02%4.75%Oct 22, 2026: 3.79% APYOct 28, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.25%▲ from 3.79%
  • Oct 22, 20263.79%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit - 4 year
$2,000
4.21% ▲ 1.57% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.57% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.21% APY · checked 2 times
3.71%4.21%4.71%Oct 23, 2026: 4.21% APYOct 23, 2026Oct 31, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 48-Month
$1,000
4.15% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.51% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 12, 2026: 4.00% APYSep 20, 2026: 4.15% APYSep 12, 2026Oct 31, 2026
  • Sep 20, 20264.15%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 48-Month
$1,000
4.15% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 23, 2026: 4.15% APYOct 23, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.13% ▲ 1.49% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.49% above avgNationally 2.81%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 4 Years
$100,000
4.13% ▲ 1.49% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.49% above avgNationally 2.81%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 31, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
CD Specials - 3 - 4 Year CD
$500
4.10% ▲ 1.46% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.46% above avgNationally 2.81%
Details

Minimum Opening Deposit $500.00

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
Certificates of Deposit - 3 - 4 Years
$500
4.10% ▲ 1.46% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.46% above avgNationally 2.81%
Details

Bump-Up: 1

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificate
$500
4.08% ▲ 1.44% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.81%
Details

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 4 Years
$500
4.08% ▲ 1.44% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.81%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 4 Years
$500
4.08% ▲ 1.44% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.81%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
48 Month Share/IRA Certificate
$500
4.07% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.43% above avgNationally 2.81%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.30% → 4.07% ▲ 0.77 pts · high 4.07% / low 3.30%
2.53%3.69%4.84%Sep 25, 2026: 3.30% APYOct 23, 2026: 4.07% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.07%▲ from 3.30%
  • Sep 25, 20263.30%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Oct 20, 2026: 4.06% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 8, 2026: 3.70% APYOct 20, 2026: 4.06% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.06%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
48 Month Certificate Accounts - Junior Share Certificate
$250
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.81%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 31, 2026
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Month CD
$500
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.81%
Details

CD's require a $500 minimum investment

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 31, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
48 Month Certificate
$0
4.01% ▲ 1.37% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.37% above avgNationally 2.81%
Details

APY paid on $1,000 minimum balance

Rate History
No change since Oct 23, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 23, 2026: 4.01% APYOct 23, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
48-Month CD
$25,000
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.81%
Details

Estimated earnings: $4,246; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 31, 2026: 4.00% APYOct 31, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
9 through 60 month Certificates of Deposit - 48 month
$500
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.81%
Details

Balance: $50,000+; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
48-Month CD
$25,000
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 28, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 28, 2026: 4.00% APYOct 28, 2026Oct 31, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 48 Month Jumbo
$0
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.81%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Share Certificate
$500
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.81%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 48 months
$500
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.81%
Details

Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
48 Month Certificate
$0
3.98% ▲ 1.34% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.34% above avgNationally 2.81%
Details

Balance tier: $75,000 minimum

Rate History
No change since Sep 12, 2026 · 3.98% APY · checked 5 times
3.48%3.98%4.48%Sep 12, 2026: 3.98% APYSep 12, 2026Oct 31, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Certificate - 48 Months
$0
3.98% ▲ 1.34% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.34% above avgNationally 2.81%
Details

Balance: $75,000

Rate History
No change since Oct 15, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Oct 15, 2026: 3.98% APYOct 15, 2026Oct 31, 2026
Corry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
IRA Certificates - 48 Months
$0
3.96% ▲ 1.32% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Oct 22, 2026: 3.96% APYOct 22, 2026Oct 31, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
48 Month Certificate
$0
3.92% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.28% above avgNationally 2.81%
Details

Balance tier: $50,000 minimum

Rate History
No change since Sep 12, 2026 · 3.92% APY · checked 5 times
3.42%3.92%4.42%Sep 12, 2026: 3.92% APYSep 12, 2026Oct 31, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Certificate - 48 Months
$0
3.92% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.28% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Oct 15, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 15, 2026: 3.92% APYOct 15, 2026Oct 31, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
48 Month Share Certificate
$125,000
3.92% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.28% above avgNationally 2.81%
Details

Minimum Deposit $125,000; Share Certificates may be opened with $1,000 minimum deposit

Rate History
1 change since Sep 18, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Sep 18, 2026: 3.76% APYOct 14, 2026: 3.92% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20263.92%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
IRA Certificate 48 Month
$125,000
3.92% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.28% above avgNationally 2.81%
Details

Minimum Deposit $125,000 section; IRA Certificate may be opened with $5 minimum deposit

Rate History
1 change since Oct 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Oct 14, 2026: 3.76% APYOct 19, 2026: 3.92% APYOct 14, 2026Oct 31, 2026
  • Oct 19, 20263.92%▲ from 3.76%
  • Oct 14, 20263.76%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 3.55% → 3.91% ▲ 0.36 pts · high 3.91% / low 3.55%
3.05%3.73%4.41%Sep 8, 2026: 3.55% APYOct 20, 2026: 3.91% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20263.91%▲ from 3.55%
  • Sep 8, 20263.55%first recorded
Central Keystone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
48 Month Certificate
$1,000
3.87% ▲ 1.23% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.23% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 180 Days Dividends

Rate History
1 change since Sep 12, 2026 · 3.44% → 3.87% ▲ 0.43 pts · high 3.87% / low 3.44%
2.94%3.65%4.37%Sep 12, 2026: 3.44% APYOct 23, 2026: 3.87% APYSep 12, 2026Oct 31, 2026
  • Oct 23, 20263.87%▲ from 3.44%
  • Sep 12, 20263.44%first recorded
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
37 - 48 Month Share Certificate
$500
3.87% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.23% above avgNationally 2.81%
Details

Dividend Rate 3.80%; APY assumes dividends remain on deposit; dividends paid quarterly; rates effective 7/01/2026

Rate History
No change since Sep 25, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 25, 2026: 3.87% APYSep 25, 2026Oct 31, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
48 Month Certificate
$0
3.87% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.23% above avgNationally 2.81%
Details

Balance tier: $500 minimum

Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 31, 2026

Elco 60 Month CD Rates

Pennsylvania 60 Month CD Average2.74% APYNational 2.92%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.81% ▲ 2.07% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 2.07% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.81% APY · checked 4 times
4.31%4.81%5.31%Oct 13, 2026: 4.81% APYOct 13, 2026Oct 31, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.66% ▲ 1.92% above Pennsylvania avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.92% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.66% APY · checked 4 times
4.16%4.66%5.16%Oct 13, 2026: 4.66% APYOct 13, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.63% ▲ 1.89% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.89% above avgNationally 2.92%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.63% APY · checked 4 times
4.13%4.63%5.13%Oct 20, 2026: 4.63% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.63% ▲ 1.89% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.89% above avgNationally 2.92%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
3.77%4.45%5.13%Sep 8, 2026: 4.27% APYOct 20, 2026: 4.63% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.63%▲ from 4.27%
  • Sep 8, 20264.27%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.86% above avgNationally 2.92%
Details

Balance: $250,000.01 and over; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 4 times
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 31, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
5 Year CD
$0
4.59% ▲ 1.85% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.74%▲ 1.85% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Oct 22, 2026: 4.59% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.58% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.84% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 20, 2026: 4.58% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.58% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.84% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.56% ▲ 1.82% above Pennsylvania avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.82% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.56% APY · checked 4 times
4.06%4.56%5.06%Oct 13, 2026: 4.56% APYOct 13, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55% ▲ 1.81% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.81% above avgNationally 2.92%
Details

Balance: $100,000-$250,000; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.55% APY · checked 4 times
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50% ▲ 1.76% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.76% above avgNationally 2.92%
Details

Balance: $10,000-$24,999; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.45% ▲ 1.71% above Pennsylvania avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.71% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Oct 13, 2026: 4.45% APYOct 13, 2026Oct 31, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
60 Month Traditional IRA Share Certificate
$0
4.44% ▲ 1.70% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.70% above avgNationally 2.92%
Details

Minimum balance for all Certificates is $500.

Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 3 times
3.94%4.44%4.94%Oct 13, 2026: 4.44% APYOct 13, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.42% ▲ 1.68% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.68% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
3.92%4.42%4.92%Oct 20, 2026: 4.42% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.42% ▲ 1.68% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.68% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
3.56%4.24%4.92%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.42% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.42%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Inspire Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificates - 60 Month Certificate
$500
4.40% ▲ 1.66% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40% ▲ 1.66% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.92%
Details

Balance: $1,000-$9,999; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 31, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.40% ▲ 1.66% above Pennsylvania avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 31, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
60 Month Share Certificate
$0
4.33% ▲ 1.59% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.59% above avgNationally 2.92%
Details

Minimum balance for all Certificates is $500.

Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Oct 13, 2026: 4.33% APYOct 13, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
60 Month Jumbo IRA Certificate
$100,000
4.30% ▲ 1.56% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.56% above avgNationally 2.92%
Details

Penalty for early withdrawal may apply; Rates in effect 10/19/2026

Rate History
1 change since Oct 8, 2026 · 3.75% → 4.30% ▲ 0.55 pts · high 4.30% / low 3.75%
3.20%4.03%4.85%Oct 8, 2026: 3.75% APYOct 23, 2026: 4.30% APYOct 8, 2026Oct 31, 2026
  • Oct 23, 20264.30%▲ from 3.75%
  • Oct 8, 20263.75%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
60 Month Jumbo Share Certificate
$0
4.30% ▲ 1.56% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.56% above avgNationally 2.92%
Details

Deposit rates in effect 10/19/2026

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.30% ▲ 0.55 pts · high 4.30% / low 3.75%
3.20%4.03%4.85%Sep 25, 2026: 3.75% APYOct 23, 2026: 4.30% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.30%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month Term Share Certificate
$1,000
4.28% ▲ 1.54% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.54% above avgNationally 2.92%
Details

Rate History
1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85%
3.35%4.07%4.78%Oct 22, 2026: 3.85% APYOct 28, 2026: 4.28% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.28%▲ from 3.85%
  • Oct 22, 20263.85%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month Traditional IRA Share Certificate
$1,000
4.28% ▲ 1.54% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.54% above avgNationally 2.92%
Details

Rate History
1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85%
3.35%4.07%4.78%Oct 22, 2026: 3.85% APYOct 28, 2026: 4.28% APYOct 22, 2026Oct 31, 2026
  • Oct 28, 20264.28%▲ from 3.85%
  • Oct 22, 20263.85%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit - 5 year
$2,000
4.26% ▲ 1.52% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.52% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 23, 2026: 4.26% APYOct 23, 2026Oct 31, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5 Year CD
$1,000
4.25% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.74%▲ 1.51% above avgNationally 2.92%
Details

Interest Compounded: Quarterly

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
60 Month IRA Certificate - Traditional or Roth
$2,500
4.25% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.51% above avgNationally 2.92%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 31, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
60 Month IRA Certificate
$500
4.20% ▲ 1.46% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.46% above avgNationally 2.92%
Details

Penalty for early withdrawal may apply

Rate History
1 change since Sep 25, 2026 · 3.65% → 4.20% ▲ 0.55 pts · high 4.20% / low 3.65%
3.10%3.93%4.75%Sep 25, 2026: 3.65% APYOct 23, 2026: 4.20% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
60 Month Share Certificate
$500
4.20% ▲ 1.46% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.46% above avgNationally 2.92%
Details

Rate History
1 change since Sep 25, 2026 · 3.65% → 4.20% ▲ 0.55 pts · high 4.20% / low 3.65%
3.10%3.93%4.75%Sep 25, 2026: 3.65% APYOct 23, 2026: 4.20% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 3.65%
  • Sep 25, 20263.65%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 60-Month
$1,000
4.20% ▲ 1.46% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.46% above avgNationally 2.92%
Details

Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 12, 2026: 4.05% APYSep 20, 2026: 4.20% APYSep 12, 2026Oct 31, 2026
  • Sep 20, 20264.20%▲ from 4.05%
  • Sep 12, 20264.05%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 60-Month
$1,000
4.20% ▲ 1.46% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.46% above avgNationally 2.92%
Details

Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.11% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.37% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Oct 20, 2026: 4.11% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.11% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.37% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 3.75% → 4.11% ▲ 0.36 pts · high 4.11% / low 3.75%
3.25%3.93%4.61%Sep 8, 2026: 3.75% APYOct 20, 2026: 4.11% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.11%▲ from 3.75%
  • Sep 8, 20263.75%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
60 Month Certificate Accounts - Junior Share Certificate
$250
4.11% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.37% above avgNationally 2.92%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Members 18 and under; joint owner over 18 required

Rate History
No change since Oct 22, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Oct 22, 2026: 4.11% APYOct 22, 2026Oct 31, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 60 Month Jumbo
$0
4.11% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.37% above avgNationally 2.92%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 23, 2026: 4.11% APYOct 23, 2026Oct 31, 2026
MERCK SHARP and DOHME Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo Certificates - 60-Month
$0
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.92%
Details

Dividend Rate and APY as printed; rates effective as of 10/21/2026

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 26, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificate 60 Months
$0
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.92%
Details

Dividend Rate 4.025%; APY 4.10%

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.09% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.74%▲ 1.35% above avgNationally 2.92%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 14, 2026: 4.09% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 5 Years
$100,000
4.09% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.74%▲ 1.35% above avgNationally 2.92%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Oct 19, 2026: 4.09% APYOct 19, 2026Oct 31, 2026
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
60 Month Share/IRA Certificate
$500
4.07% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.33% above avgNationally 2.92%
Details

Effective October 8, 2026

Rate History
1 change since Sep 25, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.69%Sep 25, 2026: 3.45% APYOct 23, 2026: 4.07% APYSep 25, 2026Oct 31, 2026
  • Oct 23, 20264.07%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Term Certificate
$500
4.04% ▲ 1.30% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.74%▲ 1.30% above avgNationally 2.92%
Details

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 5 Years
$500
4.04% ▲ 1.30% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.74%▲ 1.30% above avgNationally 2.92%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Oct 19, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 5 Years
$500
4.04% ▲ 1.30% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.74%▲ 1.30% above avgNationally 2.92%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 31, 2026
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Share Certificate - 5 year
$0
4.02% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.28% above avgNationally 2.92%
Details

Balance: $25,000+

Rate History
No change since Oct 22, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 22, 2026: 4.02% APYOct 22, 2026Oct 31, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
60 Month Certificate
$0
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.92%
Details

APY paid on $1,000 minimum balance

Rate History
No change since Oct 23, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 23, 2026: 4.01% APYOct 23, 2026Oct 31, 2026
Corry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Share Certificate 60 Months
$0
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 22, 2026: 4.01% APYOct 22, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
60-Month CD
$25,000
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.92%
Details

Estimated earnings: $5,416; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio

Rate History
No change since Oct 31, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 31, 2026: 4.00% APYOct 31, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
9 through 60 month Certificates of Deposit - 60 month
$500
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.92%
Details

Balance: $50,000+; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
60-Month CD
$25,000
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.92%
Details

Rate History
No change since Oct 28, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 28, 2026: 4.00% APYOct 28, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Share Certificate
$500
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.92%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 60 months
$500
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.92%
Details

Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
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.

Top CD Rates from Elco, Pennsylvania Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
First Northern Bank and Trust Company
3 Year Adjustable CD
A+ 5.0 ★ TX: 5.78%
Min: $1,000
4.81%
Atlantic Community Bankers Bank
CD 1 Year
A+ 5.0 ★ TX: 2.05%
Min: $0
4.66%
Citizens & Northern Bank C&N
Certificate of Deposit - 60 Months
A 5.0 ★ TX: 10.85%
Min: $0
4.63%
Enterprise Bank Allison Park, PA
5 Year CD
F 1.0 ★ TX: 80.27%
Min: $0
4.59%
Armstrong County Building and Loan Association
18 Month SEP IRA Certificate
A+ 5.0 ★ TX: 6.00%
Min: $0
4.50%
CU Top 5 Credit Union Rates
Tendto Credit Union
Share Certificates - 60 month Certificate
A+ 5.0 ★ TX: 3.10%
Min: $0
4.81%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
ARC Federal Credit Union
60 Month Traditional IRA Share Certificate
A+ 5.0 ★ TX: 5.00%
Min: $0
4.44%
Inspire Federal Credit Union
Share Certificates - 24 Month Certificate
A 5.0 ★ TX: 6.26%
Min: $500
4.40%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Elco, PA CD Rate Trends

Compare local Elco, PA 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.

View Full Pennsylvania CD Trends
12-Month CD PA Avg
3.046%
▲ 0.045 vs 7 days ago

Pennsylvania 12-month CD rates rose 0.045 points over the past 7 days to 3.046% APY.

6-Month CD PA Avg
2.845%
▲ 0.051 vs 7 days ago

Pennsylvania 6-month CD rates rose 0.051 points over the past 7 days to 2.845% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

PA CD Rate Forecast, Next 12 Months

Where are Pennsylvania CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

PA 12-Month Avg APY
3.046%
6-Month Forecast
3.046%
Range: 2.85%, 3.20%
12-Month Forecast
3.296%
Range: 3.10%, 3.45%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Pennsylvania average 12-month CD APY in our database.

Spread model: The Pennsylvania 12-month CD average currently trades 1.33% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.816% $90.81 $181.61 $454.03 $908.05
6-Month CD 2.845% $142.25 $284.50 $711.25 $1,422.50
12-Month CD 3.046% $152.28 $304.56 $761.40 $1,522.80
18-Month CD 3.061% $153.04 $306.07 $765.18 $1,530.35
24-Month CD 2.886% $144.31 $288.62 $721.55 $1,443.10
36-Month CD 2.757% $137.83 $275.66 $689.15 $1,378.30
48-Month CD 2.636% $131.78 $263.55 $658.88 $1,317.75
60-Month CD 2.740% $137.01 $274.01 $685.03 $1,370.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
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Sample CD Ladder for Elco, 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.

Build Your Ladder
Rung Term Deposit PA Avg APY Annual Earnings
1 3-Month CD $5,000 1.816% $90.81
2 6-Month CD $5,000 2.845% $142.25
3 12-Month CD $5,000 3.046% $152.28
4 24-Month CD $5,000 2.886% $144.31
5 36-Month CD $5,000 2.757% $137.83
Total ($25,000 invested) $25,000 2.670% blended $667.48/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.

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2,659
CD Rates
Tracked in Elco, Pennsylvania
51 Banks 97 Credit Unions

About Our Elco, Pennsylvania CD Rate Database

MonitorBankRates tracks 2,659 CD rates from 51 banks and 97 credit unions with locations in Elco, 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 to 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: First Northern Bank and Trust Company offers a CD at 4.81% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Elco, Pennsylvania.

How to Find the Best CD Rates in Elco, Pennsylvania

What to compare when shopping for a CD in Elco, Pennsylvania

To find the best APYs in Elco, Pennsylvania, start with credit unions and online-only banks: Elco, Pennsylvania has 97 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 Elco, 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 Elco, Pennsylvania: 148 institutions here report CD rates

Consider an Alternative If…

Pennsylvania Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

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
$142/yr
At PA 12-mo avg 3.046% 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 3.046%, saving 10% of the local median salary ($4,667/year) and putting it in a CD would earn an additional $142 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 Elco, 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 to 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

CD Product Information

How CDs Work

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 Elco, 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 Elco, Pennsylvania as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Elco, Pennsylvania savers easier access to their funds. For example, Atlantic Community Bankers Bank is offering its CD 6 Month at 4.45% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tendto Credit Union is offering its Share Certificates - 60 month Certificate at 4.81% 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

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 Elco, 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

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 Elco, 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

Most CDs carry a fixed rate that is locked for the entire term, protecting a Elco, 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 Elco, Pennsylvania

What are CD rates in Elco, Pennsylvania today?

Elco, Pennsylvania CD rates from banks and credit unions serving Pennsylvania range from 3.00% to 4.81% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.81% APY at First Northern Bank and Trust Company (3 Year Adjustable CD), 4.81% at Tendto Credit Union (Share Certificates - 60 month Certificate) and 4.66% at Atlantic Community Bankers Bank (CD 1 Year), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Elco, Pennsylvania FDIC insured?

Yes, most established banks in Elco, 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 Elco, 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 Elco, 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 Elco, 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 Elco, Pennsylvania?

Here are recent top rates found for this area:
  • First Northern Bank and Trust Company: 4.81% APY (3 Year Adjustable CD)
  • Tendto Credit Union: 4.81% APY (Share Certificates - 60 month Certificate)
  • Atlantic Community Bankers Bank: 4.66% APY (CD 1 Year)
  • Citizens & Northern Bank C&N: 4.63% APY (Certificate of Deposit - 60 Months)
  • Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
  • Enterprise Bank Allison Park, PA: 4.59% APY (5 Year CD)
  • Armstrong County Building and Loan Association: 4.50% APY (18 Month SEP IRA Certificate)
  • ARC Federal Credit Union: 4.44% APY (60 Month Traditional IRA Share Certificate)
  • Monet Bank: 4.40% APY (24-Month CD)
  • Unity Bank: 4.40% APY (18 Month CD Promo)
Rates reflect recent verified offers available in Elco, Pennsylvania. Last Updated: October 31, 2026

Elco, 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 Elco, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Elco, Pennsylvania CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Elco, Pennsylvania. Averages shown use the Pennsylvania state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Elco, Pennsylvania

Elco, Pennsylvania CD Calculator

At today’s PA top rate of 4.81% APY, a $10,000 deposit earns $481 in the first year. Enter your amount to see your exact return.

Elco, Pennsylvania CD Ladder

PA CD rates currently range from 1.816% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Elco, Pennsylvania CD at 4.81% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Pennsylvania’s average 12-month CD is 3.046% 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 Elco, 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 Elco, 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 Elco, 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: October 31, 2026

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