Philadelphia, Pennsylvania Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Philadelphia, Pennsylvania CD rates range from 0.01% to 4.81% APY, verified by MonitorBankRates as of October 15, 2026. Current Philadelphia, Pennsylvania CD rates include Navy Federal Credit UnionNavy Federal Credit Union330 W Oregon Ave, Philadelphia, PA 19148A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Franklin Mint Federal Credit UnionFranklin Mint Federal Credit Union3200 Chestnut St, Philadelphia, PA 19104 3395A5.0 ★Texas Ratio: 6.91%Real return: +1.55%APY minus CPI (February 2026) offering Certificate 18 MONTH at 4.35% APY, Sun Federal Credit UnionSun Federal Credit Union2800 W Passyunk Ave, Philadelphia, PA 19145 5206A5.0 ★Texas Ratio: 6.81%Real return: +1.50%APY minus CPI (February 2026) offering IRA Certificate 18-Month at 4.30% APY, Freedom Credit UnionFreedom Credit Union9910 Frankford Ave, Philadelphia, PA 19114 1900A+5.0 ★Texas Ratio: 3.02%Real return: +1.48%APY minus CPI (February 2026) offering 24 Month CD at 4.28% APY, and Democracy Federal Credit UnionDemocracy Federal Credit Union300 Spring Garden St, Philadelphia, PA 19123A-4.6 ★Texas Ratio: 9.01%Real return: +1.45%APY minus CPI (February 2026) offering 60 Month IRA Certificate - Traditional or Roth at 4.25% APY. CD rates as of October 15, 2026 according to verified data from MonitorBankRates.
Philadelphia has 477 local institutions in our database, with CD rates as high as 4.35% APY from Navy Federal Credit Union at 330 W Oregon Ave, Philadelphia, PA 19148. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Pennsylvania area. 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 15, 2026
Compare Best CD Rates in Philadelphia, Pennsylvania & the Surrounding Area
Philadelphia 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 3 Month
$500
3.75%
▲ 1.97% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 1.97% above avgNationally 2.12%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
1 change since Sep 15, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 14, 20263.75%▲ from 3.60%
- Sep 15, 20263.60%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 3 Month
$0
3.65%
▲ 1.87% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.87% above avgNationally 2.12%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
3 Month Certificate of Deposit
$0
3.60%
▲ 1.82% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 1.82% above avgNationally 2.12%
Details
APY based on semi-annual compounding; substantial penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 3 Month Bonus Certificate
$0
3.55%
▲ 1.77% above Pennsylvania avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.77% above avgNationally 2.12%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.50%
Rate History
No change since Oct 15, 2026 · 3.55% APY
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
4341 Ridge Ave, Philadelphia, PA 19129
3 Month CD
$1,000
3.50%
▲ 1.72% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 1.72% above avgNationally 2.12%
Details
Maximum deposit $250,000 when opened online; $500,000 when opened in the branch
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- 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%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 3 Month Certificate
$500
3.50%
▲ 1.72% above Pennsylvania avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.72% above avgNationally 2.12%
Details
Business Certificate; Dividend rate 3.45%
Rate History
No change since Oct 15, 2026 · 3.50% APY
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
3 Month Jumbo Certificate
$10,000
3.50%
▲ 1.72% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.72% above avgNationally 2.12%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 3 MONTH
$0
3.50%
▲ 1.72% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.72% above avgNationally 2.12%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
3-month Certificate
$500
3.45%
▲ 1.67% above Pennsylvania avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.78%▲ 1.67% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 3-month Certificate
$500
3.45%
▲ 1.67% above Pennsylvania avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.78%▲ 1.67% above avgNationally 2.12%
Details
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 3 Month
$500
3.14%
▲ 1.36% above Pennsylvania avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.36% above avgNationally 2.12%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 2.68% → 3.14% ▲ 0.46 pts · high 3.14% / low 2.68%
- Oct 15, 20263.14%▲ from 2.68%
- Sep 25, 20262.68%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
3 Month Jumbo Certificates
$0
3.05%
▲ 1.27% above Pennsylvania avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.27% above avgNationally 2.12%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 3 month
$1,000
3.05%
▲ 1.27% above Pennsylvania avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.27% above avgNationally 2.12%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
- Oct 4, 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%
1901 E Passyunk Ave, Philadelphia, PA 19148
Fixed Rate CD - 3 Month
$2,500
3.00%
▲ 1.22% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 1.22% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
3 Month Certificates
$0
2.80%
▲ 1.02% above Pennsylvania avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.02% above avgNationally 2.12%
Details
Balance: $1,000 - $49,999
Rate History
1 change since Sep 25, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55%
- Oct 4, 20262.80%▲ from 2.55%
- Sep 25, 20262.55%first recorded
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Philadelphia, PA 19145
Certificate of Deposit - 3 Month
$1,000
2.75%
▲ 0.97% above Pennsylvania avg
▼
Rate2.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 0.97% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
3 Month Certificate
$500
2.27%
▲ 0.49% above Pennsylvania avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 0.49% above avgNationally 2.12%
Details
Early Withdrawal Penalty: 1 month interest
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
Reliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
8704A Crispin Dr, Philadelphia, PA 19136 1304
3 Month Certificate of Deposit
$500
2.25%
▲ 0.47% above Pennsylvania avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 0.47% above avgNationally 2.12%
Details
Certificate Rates; savings rates effective 1/1/2026; early withdrawal penalty may apply
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.23% below Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 0.23% below avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.28% below Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 0.28% below avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
470 W Cheltenham Ave, Philadelphia, PA 19126
Certificate of Deposit - 3 Month
$500
1.50%
▼ 0.28% below Pennsylvania avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 0.28% below avgNationally 2.12%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12901 Townsend Rd, Philadelphia, PA 19154 1021
3 Month Certificates & IRA Certificates
$0
1.50%
▼ 0.28% below Pennsylvania avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.78%▼ 0.28% below avgNationally 2.12%
Details
Minimum daily balance of $500 required to earn the disclosed APY
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3735 Walnut St, Philadelphia, PA 19104
3 Month CD
$0
1.00%
▼ 0.78% below Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 0.78% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3735 Walnut St, Philadelphia, PA 19104
3 Month TD Choice CD
$0
1.00%
▼ 0.78% below Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 0.78% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99; Standard APY
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
3-month Certificate/IRA
$0
0.80%
▼ 0.98% below Pennsylvania avg
▼
Rate0.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▼ 0.98% below avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 9 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 3-Month
$500
0.75%
▼ 1.03% below Pennsylvania avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▼ 1.03% below avgNationally 2.12%
Details
Rate History
No change since Sep 12, 2026 · 0.75% APY · checked 3 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 3-Month
$500
0.75%
▼ 1.03% below Pennsylvania avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▼ 1.03% below avgNationally 2.12%
Details
Rate History
No change since Sep 12, 2026 · 0.75% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
50 S 16th St, Philadelphia, PA 19102
3 Month Certificates of Deposit
$0
0.70%
▼ 1.08% below Pennsylvania avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 1.08% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
199 W Girard Ave, Philadelphia, PA 19123
3 Month CD
$500
0.50%
▼ 1.28% below Pennsylvania avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▼ 1.28% below avgNationally 2.12%
Details
Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 Market St, Philadelphia, PA 19103
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.72% below Pennsylvania avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 1.72% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 Market St, Philadelphia, PA 19103
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.73% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 1.73% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9 W Evergreen Ave, Philadelphia, PA 19118
3 Month CD
$1,000
0.05%
▼ 1.73% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▼ 1.73% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
801 Christian St, Philadelphia, PA 19147
3 Month Certificate of Deposit
$0
0.03%
▼ 1.75% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 1.75% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
United Bank of Philadelphia
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
1501 N Broad St, Philadelphia, PA 19122
90-Day Certificate of Deposit
$500
0.03%
▼ 1.75% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 1.75% below avgNationally 2.12%
Details
Rate History
No change since Sep 7, 2026 · 0.03% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
801 Christian St, Philadelphia, PA 19147
3 Month Certificate of Deposit
$0
0.02%
▼ 1.76% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 1.76% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
801 Christian St, Philadelphia, PA 19147
3 Month Certificate of Deposit
$0
0.01%
▼ 1.77% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▼ 1.77% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
90 Day Certificate of Deposit
$500
4.10%
▲ 2.32% above Pennsylvania avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 2.32% above avgNationally 2.12%
Details
Interest compounded daily
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 14, 20264.10%▲ from 3.80%
- Sep 24, 20263.80%first recorded
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Business Share Certificate
$500
4.00%
▲ 2.22% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 2.22% above avgNationally 2.12%
Details
Dividend Rates and Annual Percentage Yields effective August 5, 2026; Minimum opening deposit is $500; Penalty for early withdrawal
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 5 times
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Share & IRA Share Certificate
$500
4.00%
▲ 2.22% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 2.22% above avgNationally 2.12%
Details
Dividend Rates and Annual Percentage Yields effective August 5, 2026; Minimum opening deposit is $500; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 3 times
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share/IRA Certificate - 3 Months
$500
4.00%
▲ 2.22% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.78%▲ 2.22% above avgNationally 2.12%
Details
$500 minimum deposit to open account and earn APY
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Share Certificate
$500
3.90%
▲ 2.12% above Pennsylvania avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 2.12% above avgNationally 2.12%
Details
Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may apply for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 3.90% APY
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate 3 months
$500
3.90%
▲ 2.12% above Pennsylvania avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 2.12% above avgNationally 2.12%
Details
Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings
Rate History
No change since Oct 15, 2026 · 3.90% APY
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Business Certificate of Deposit - 3 Months
$2,000
3.75%
▲ 1.97% above Pennsylvania avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 1.97% above avgNationally 2.12%
Details
Rates effective as of 09/22/2026; rates may change after account is opened; early withdrawal penalties may apply
Rate History
No change since Oct 14, 2026 · 3.75% APY
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Certificate of Deposit - 3 Months
$2,000
3.75%
▲ 1.97% above Pennsylvania avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 1.97% above avgNationally 2.12%
Details
$2,000 minimum to open and earn the APY on all CDs; Early withdrawal penalties may apply; Eligible as IRA CD
Rate History
No change since Oct 14, 2026 · 3.75% APY
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 MONTH CD
$5,000
3.75%
▲ 1.97% above Pennsylvania avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.97% above avgNationally 2.12%
Details
Effective Thursday, October 15, 2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 3 times
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Traditional Preferred Certificates
$0
3.75%
▲ 1.97% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.97% above avgNationally 2.12%
Details
Account types: Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; subject to early withdrawal penalty
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Traditional Preferred Certificates - 3 months
$0
3.75%
▲ 1.97% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average1.78%▲ 1.97% above avgNationally 2.12%
Details
Preferred Certificates: Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; subject to early withdrawal penalty
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates of Deposit - Jumbo CDs
$0
3.71%
▲ 1.93% above Pennsylvania avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.78%▲ 1.93% above avgNationally 2.12%
Details
Jumbo CDs (Above $75,000); no additional deposits after opening; penalty for early withdrawal; certificate renews automatically
Rate History
No change since Oct 13, 2026 · 3.71% APY
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit
$500
3.71%
▲ 1.93% above Pennsylvania avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.78%▲ 1.93% above avgNationally 2.12%
Details
Jumbo CD (Above $75,000)
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.71% ▼ 0.05 pts · high 3.76% / low 3.71%
- Oct 13, 20263.71%▼ from 3.76%
- Sep 14, 20263.76%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70%
▲ 1.92% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.78%▲ 1.92% above avgNationally 2.12%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Philadelphia 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9910 Frankford Ave, Philadelphia, PA 19114 1900
6 Month CD
$0
4.12%
▲ 1.35% above Pennsylvania avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.77%▲ 1.35% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 4.12% APY · checked 3 times
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
117 21 Spring Garden Street Suite A, Philadelphia, PA 19123
6 Month Certificate
$0
4.10%
▲ 1.33% above Pennsylvania avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▲ 1.33% above avgNationally 2.79%
Details
Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposit - 6 Months
$500
4.00%
▲ 1.23% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.79%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 4.00% APY
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposits - IRA'S - 6 Months
$0
4.00%
▲ 1.23% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.79%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 4.00% APY
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
6 Month Jumbo Certificate
$10,000
4.00%
▲ 1.23% above Pennsylvania avg
▼
Rate3.92%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.79%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
6 Month Certificate
$500
3.92%
▲ 1.15% above Pennsylvania avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 1.15% above avgNationally 2.79%
Details
Early Withdrawal Penalty: 1 month interest
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
6 Month Certificate of Deposit
$0
3.85%
▲ 1.08% above Pennsylvania avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 1.08% above avgNationally 2.79%
Details
APY based on semi-annual compounding; substantial penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 7 times
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 6 Month
$0
3.85%
▲ 1.08% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 1.08% above avgNationally 2.79%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 5 times
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
4341 Ridge Ave, Philadelphia, PA 19129
6 Month CD
$1,000
3.75%
▲ 0.98% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 0.98% above avgNationally 2.79%
Details
Maximum deposit $250,000 when opened online; $500,000 when opened in the branch
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 14, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 6 Month
$500
3.75%
▲ 0.98% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 0.98% above avgNationally 2.79%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
1 change since Sep 15, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Oct 14, 20263.75%▲ from 3.60%
- Sep 15, 20263.60%first recorded
Sharon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1900 South St, Philadelphia, PA 19146
6 Month Certificate
$1,000
3.75%
▲ 0.98% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 0.98% above avgNationally 2.79%
Details
Rate History
1 change since Sep 20, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 3, 20263.75%▲ from 3.65%
- Sep 20, 20263.65%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
6-month Jumbo Certificate
$0
3.75%
▲ 0.98% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.98% above avgNationally 2.79%
Details
Balance: $75,000+
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 6-month Jumbo Certificate
$0
3.75%
▲ 0.98% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.98% above avgNationally 2.79%
Details
Balance: $75,000+
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 6 MONTH
$0
3.70%
▲ 0.93% above Pennsylvania avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.93% above avgNationally 2.79%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
6-month Certificate
$500
3.70%
▲ 0.93% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.93% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
6-month Fixed-Rate IRA Only
$500
3.70%
▲ 0.93% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.93% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 6-month Certificate
$500
3.70%
▲ 0.93% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.93% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 6-month Fixed-Rate IRA Only
$500
3.70%
▲ 0.93% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.93% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 6 Month Bonus Certificate
$0
3.65%
▲ 0.88% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.88% above avgNationally 2.79%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.59%
Rate History
No change since Oct 15, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 6 Month Certificate
$500
3.60%
▲ 0.83% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.83% above avgNationally 2.79%
Details
Business Certificate; Dividend rate 3.55%
Rate History
No change since Oct 15, 2026 · 3.60% APY
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 6 Month
$500
3.40%
▲ 0.63% above Pennsylvania avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.63% above avgNationally 2.79%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 2.94% → 3.40% ▲ 0.46 pts · high 3.40% / low 2.94%
- Oct 15, 20263.40%▲ from 2.94%
- Sep 25, 20262.94%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12901 Townsend Rd, Philadelphia, PA 19154 1021
6 Month Certificates & IRA Certificates
$0
3.35%
▲ 0.58% above Pennsylvania avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.58% above avgNationally 2.79%
Details
Minimum daily balance of $500 required to earn the disclosed APY
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 6 Months Mini-Jumbo - FedPerks
$500
3.30%
▲ 0.53% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.53% above avgNationally 2.79%
Details
FedPerks APY; Balance: $50,000 and above; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.30% APY
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
6 Month Certificates Of Deposit
$0
3.25%
▲ 0.48% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▲ 0.48% above avgNationally 2.79%
Details
Rate History
No change since Sep 15, 2026 · 3.25% APY · checked 6 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 6 Months Regular - FedPerks
$500
3.25%
▲ 0.48% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.48% above avgNationally 2.79%
Details
FedPerks APY; Balance: $500 - $49,999; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.25% APY
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
6 Month Traditional Certificate
$100,000
3.20%
▲ 0.43% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.43% above avgNationally 2.79%
Details
Rate History
No change since Oct 12, 2026 · 3.20% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
Certificate - 6 Month
$100,000
3.20%
▲ 0.43% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.43% above avgNationally 2.79%
Details
$100,000; Certificate APY; $100,000 minimum
Rate History
No change since Oct 12, 2026 · 3.20% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
6 Month Traditional Certificate
$500
3.15%
▲ 0.38% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.38% above avgNationally 2.79%
Details
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
Certificate - 6 Month
$500
3.15%
▲ 0.38% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.38% above avgNationally 2.79%
Details
$500; Certificate APY; $500 minimum
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
NORTHWOOD
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6836 Castor Ave, Philadelphia, PA 19149 2108
6 Month Share Certificate Fixed Rate
$3,000
3.15%
▲ 0.38% above Pennsylvania avg
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 0.38% above avgNationally 2.79%
Details
Minimum Certificate $3,000.00; Dividends compounded daily and payable at maturity; Penalty for early withdrawal: 90 day penalty
Rate History
No change since Oct 14, 2026 · 3.15% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
6 Month Jumbo Certificates
$0
3.10%
▲ 0.33% above Pennsylvania avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.33% above avgNationally 2.79%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 6 month
$1,000
3.10%
▲ 0.33% above Pennsylvania avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.33% above avgNationally 2.79%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Oct 4, 20263.10%▲ from 2.85%
- Sep 16, 20262.85%first recorded
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 6 Months Mini-Jumbo
$500
3.05%
▲ 0.28% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.28% above avgNationally 2.79%
Details
Balance: $50,000 and above; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.05% APY
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1901 E Passyunk Ave, Philadelphia, PA 19148
Fixed Rate CD - 6 Month
$2,500
3.00%
▲ 0.23% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 0.23% above avgNationally 2.79%
Details
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 4 times
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Philadelphia, PA 19145
Certificate of Deposit - 6 Month
$1,000
3.00%
▲ 0.23% above Pennsylvania avg
▼
Rate2.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 0.23% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 6 Months Regular
$500
3.00%
▲ 0.23% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.23% above avgNationally 2.79%
Details
Balance: $500 - $49,999; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.00% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
6 Month Certificates
$0
2.85%
▲ 0.08% above Pennsylvania avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▲ 0.08% above avgNationally 2.79%
Details
Balance: $1,000 - $49,999
Rate History
1 change since Sep 25, 2026 · 2.60% → 2.85% ▲ 0.25 pts · high 2.85% / low 2.60%
- Oct 4, 20262.85%▲ from 2.60%
- Sep 25, 20262.60%first recorded
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
6-month Certificate/IRA
$0
2.50%
▼ 0.27% below Pennsylvania avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▼ 0.27% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
Reliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
8704A Crispin Dr, Philadelphia, PA 19136 1304
6 Month Certificate of Deposit
$500
2.40%
▼ 0.37% below Pennsylvania avg
▼
Rate2.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▼ 0.37% below avgNationally 2.79%
Details
Certificate Rates; savings rates effective 1/1/2026; early withdrawal penalty may apply
Rate History
No change since Sep 25, 2026 · 2.40% APY · checked 5 times
Port Richmond Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
2522 E Allegheny Ave, Philadelphia, PA 19134
Certificates of Deposit - 6 month
$500
2.24%
▼ 0.53% below Pennsylvania avg
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▼ 0.53% below avgNationally 2.79%
Details
Early withdrawal penalty may apply; Rates as of 09/18/25
Rate History
No change since Oct 14, 2026 · 2.24% APY
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
Regular & IRA Certificates - 6 months
$0
2.02%
▼ 0.75% below Pennsylvania avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▼ 0.75% below avgNationally 2.79%
Details
Daily Avg. Balance/Min. Deposit: $500.00; Dividends compounded and paid monthly; Certificate penalties may apply for early withdrawals
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 4 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
6 Month Certificate
$0
2.00%
▼ 0.77% below Pennsylvania avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▼ 0.77% below avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 5 times
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
470 W Cheltenham Ave, Philadelphia, PA 19126
Certificate of Deposit - 6 Month
$500
1.50%
▼ 1.27% below Pennsylvania avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▼ 1.27% below avgNationally 2.79%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3735 Walnut St, Philadelphia, PA 19104
TD Choice CD 6 Month
$0
1.00%
▼ 1.77% below Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▼ 1.77% below avgNationally 2.79%
Details
Non-Promotional TD Choice CD; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
199 W Girard Ave, Philadelphia, PA 19123
6 Month CD
$500
0.90%
▼ 1.87% below Pennsylvania avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▼ 1.87% below avgNationally 2.79%
Details
Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 6-Month
$500
0.90%
▼ 1.87% below Pennsylvania avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▼ 1.87% below avgNationally 2.79%
Details
Rate History
No change since Sep 12, 2026 · 0.90% APY · checked 3 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 6-Month
$500
0.90%
▼ 1.87% below Pennsylvania avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.77%▼ 1.87% below avgNationally 2.79%
Details
Rate History
No change since Sep 12, 2026 · 0.90% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
50 S 16th St, Philadelphia, PA 19102
6 Month Certificates of Deposit
$0
0.70%
▼ 2.07% below Pennsylvania avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▼ 2.07% below avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 Market St, Philadelphia, PA 19103
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.71% below Pennsylvania avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▼ 2.71% below avgNationally 2.79%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 Market St, Philadelphia, PA 19103
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.72% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▼ 2.72% below avgNationally 2.79%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
Philadelphia 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.37% above Pennsylvania avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 1.37% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 12-Month
$500
4.25%
▲ 1.27% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 1.27% 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%
- 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%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 12-Month
$500
4.25%
▲ 1.27% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 1.27% above avgNationally 3.01%
Details
Rate History
1 change since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 8, 20264.25%▲ from 3.85%
- Sep 12, 20263.85%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
IRA Certificate - 12 Month
$0
4.20%
▲ 1.22% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 1.22% above avgNationally 3.01%
Details
IRA Certificate; Balance: $500 minimum balance
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.20% ▲ 0.29 pts · high 4.20% / low 3.91%
- Oct 15, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9910 Frankford Ave, Philadelphia, PA 19114 1900
12 Month CD
$0
4.17%
▲ 1.19% above Pennsylvania avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.19% above avgNationally 3.01%
Details
Rate History
No change since Oct 9, 2026 · 4.17% APY · checked 3 times
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposit - 12 Months
$500
4.15%
▲ 1.17% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 1.17% above avgNationally 3.01%
Details
Fees:
Rate History
1 change since Sep 18, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
- Oct 14, 20264.15%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposits - IRA'S - 12 Months
$0
4.15%
▲ 1.17% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 1.17% above avgNationally 3.01%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 4.15% APY
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
117 21 Spring Garden Street Suite A, Philadelphia, PA 19123
12 Month Certificate
$0
4.15%
▲ 1.17% above Pennsylvania avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.98%▲ 1.17% above avgNationally 3.01%
Details
Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.12% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 1.12% above avgNationally 3.01%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 12 Month
$0
4.10%
▲ 1.12% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 1.12% above avgNationally 3.01%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 12, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 1.07% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 1.07% above avgNationally 3.01%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
1 Year Jumbo Certificate
$10,000
4.05%
▲ 1.07% above Pennsylvania avg
▼
Rate3.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 1.07% above avgNationally 3.01%
Details
Rate History
No change since Oct 12, 2026 · 4.05% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 1.02% above Pennsylvania avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
4341 Ridge Ave, Philadelphia, PA 19129
12 Month CD
$500
4.00%
▲ 1.02% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Maximum deposit $250,000 when opened online; $500,000 when opened in the branch
Rate History
1 change since Sep 18, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 14, 20264.00%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
12 Month IRA Certificate - Traditional or Roth
$500
4.00%
▲ 1.02% above Pennsylvania avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 3.01%
Details
Minimum additional deposit: $25; Maximum limit (cap) on deposit for each IRA product is $250,000
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
1 Year Certificate of Deposit
$0
3.95%
▲ 0.97% above Pennsylvania avg
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 0.97% above avgNationally 3.01%
Details
APY based on semi-annual compounding; substantial penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 7 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
1 Year IRA Certificate
$0
3.95%
▲ 0.97% above Pennsylvania avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 0.97% above avgNationally 3.01%
Details
IRA rates effective 09/18/2026
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
12 Month Certificate
$500
3.87%
▲ 0.89% above Pennsylvania avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.89% above avgNationally 3.01%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
12 Month Certificates Of Deposit
$0
3.85%
▲ 0.87% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.98%▲ 0.87% above avgNationally 3.01%
Details
Rate History
No change since Sep 15, 2026 · 3.85% APY · checked 6 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 12 Months Mini-Jumbo - FedPerks
$500
3.80%
▲ 0.82% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.82% above avgNationally 3.01%
Details
FedPerks APY; Balance: $50,000 and above; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.80% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 12 Months Regular - FedPerks
$500
3.75%
▲ 0.77% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.77% above avgNationally 3.01%
Details
FedPerks APY; Balance: $500 - $49,999; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.75% APY
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
12-month Certificate/IRA
$0
3.75%
▲ 0.77% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.77% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
12-month Jumbo Certificate
$0
3.75%
▲ 0.77% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.98%▲ 0.77% above avgNationally 3.01%
Details
Balance: $75,000+
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 12-month Jumbo Certificate
$0
3.75%
▲ 0.77% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.98%▲ 0.77% above avgNationally 3.01%
Details
Balance: $75,000+
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 12 MONTH
$0
3.70%
▲ 0.72% above Pennsylvania avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.72% above avgNationally 3.01%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
12-month Certificate
$500
3.70%
▲ 0.72% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.98%▲ 0.72% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 22, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
12-month Fixed-Rate IRA Only
$500
3.70%
▲ 0.72% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.98%▲ 0.72% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 22, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 12-month Certificate
$500
3.70%
▲ 0.72% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.98%▲ 0.72% above avgNationally 3.01%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 12-month Fixed-Rate IRA Only
$500
3.70%
▲ 0.72% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.98%▲ 0.72% above avgNationally 3.01%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 12 Month
$500
3.66%
▲ 0.68% above Pennsylvania avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.68% above avgNationally 3.01%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 3.04% → 3.66% ▲ 0.62 pts · high 3.66% / low 3.04%
- Oct 15, 20263.66%▲ from 3.04%
- Sep 25, 20263.04%first recorded
Sharon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1900 South St, Philadelphia, PA 19146
12 Month Certificate
$1,000
3.65%
▲ 0.67% above Pennsylvania avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 0.67% above avgNationally 3.01%
Details
Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 7 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 12 Month Bonus Certificate
$0
3.65%
▲ 0.67% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.67% above avgNationally 3.01%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.59%
Rate History
No change since Oct 15, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 12 Month Certificate
$500
3.60%
▲ 0.62% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.62% above avgNationally 3.01%
Details
Business Certificate; Dividend rate 3.55%
Rate History
No change since Oct 15, 2026 · 3.60% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 12 Months Mini-Jumbo
$500
3.55%
▲ 0.57% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.57% above avgNationally 3.01%
Details
Balance: $50,000 and above; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.55% APY
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12901 Townsend Rd, Philadelphia, PA 19154 1021
12 Month Certificates & IRA Certificates
$0
3.55%
▲ 0.57% above Pennsylvania avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.98%▲ 0.57% above avgNationally 3.01%
Details
Minimum daily balance of $500 required to earn the disclosed APY
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 4 times
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 12 Month
$500
3.50%
▲ 0.52% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 0.52% above avgNationally 3.01%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
1 change since Sep 15, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
- Oct 14, 20263.50%▲ from 3.35%
- Sep 15, 20263.35%first recorded
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
199 W Girard Ave, Philadelphia, PA 19123
12 Month CD
$500
3.50%
▲ 0.52% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.52% above avgNationally 3.01%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 12 Months Regular
$500
3.50%
▲ 0.52% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.52% above avgNationally 3.01%
Details
Balance: $500 - $49,999; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.50% APY
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 12-Month FlexiRate Add-On
$500
3.50%
▲ 0.52% above Pennsylvania avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.52% above avgNationally 3.01%
Details
Rate History
1 change since Sep 12, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 15, 20263.50%▲ from 3.25%
- Sep 12, 20263.25%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 12-Month FlexiRate Add-On
$500
3.50%
▲ 0.52% above Pennsylvania avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.52% above avgNationally 3.01%
Details
FlexiRate Add-On
Rate History
1 change since Sep 12, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 8, 20263.50%▲ from 3.25%
- Sep 12, 20263.25%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
12 Month Certificate
$0
3.45%
▲ 0.47% above Pennsylvania avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.47% above avgNationally 3.01%
Details
Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 5 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1027 Arch St, Philadelphia, PA 19107
1 Year Online CD
$0
3.25%
▲ 0.27% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 0.27% above avgNationally 3.01%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9 W Evergreen Ave, Philadelphia, PA 19118
12 Month CD Special
$0
3.25%
▲ 0.27% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.27% above avgNationally 3.01%
Details
Featured rate on select new CD accounts with balances of $100,000 and above; APY accurate as of 7/28/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
12 Month Traditional Certificate
$100,000
3.25%
▲ 0.27% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.27% above avgNationally 3.01%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
1 Year Jumbo Certificates
$0
3.20%
▲ 0.22% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.22% above avgNationally 3.01%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 1 year
$1,000
3.20%
▲ 0.22% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.22% above avgNationally 3.01%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00%
- Oct 4, 20263.20%▲ from 3.00%
- Sep 16, 20263.00%first recorded
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
12 Month Traditional Certificate
$500
3.20%
▲ 0.22% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▲ 0.22% above avgNationally 3.01%
Details
Rate History
No change since Oct 12, 2026 · 3.20% APY · checked 2 times
NORTHWOOD
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6836 Castor Ave, Philadelphia, PA 19149 2108
12 Month Share Certificate Fixed Rate
$3,000
3.20%
▲ 0.22% above Pennsylvania avg
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▲ 0.22% above avgNationally 3.01%
Details
Minimum Certificate $3,000.00; Dividends compounded daily and payable at maturity; Penalty for early withdrawal: 90 day penalty
Rate History
No change since Oct 14, 2026 · 3.20% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
1 Year Certificates
$0
2.95%
▼ 0.03% below Pennsylvania avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.98%▼ 0.03% below avgNationally 3.01%
Details
Balance: $1,000 - $49,999
Rate History
1 change since Sep 25, 2026 · 2.75% → 2.95% ▲ 0.20 pts · high 2.95% / low 2.75%
- Oct 4, 20262.95%▲ from 2.75%
- Sep 25, 20262.75%first recorded
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1901 E Passyunk Ave, Philadelphia, PA 19148
Fixed Rate CD - 12 Month
$2,500
2.75%
▼ 0.23% below Pennsylvania avg
▼
Rate2.71%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.98%▼ 0.23% below avgNationally 3.01%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 4 times
Philadelphia 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 18 MONTH
$0
4.35%
▲ 1.36% above Pennsylvania avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.36% above avgNationally 2.88%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 18-Month
$500
4.30%
▲ 1.31% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.31% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- 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%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 18-Month
$500
4.30%
▲ 1.31% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.31% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9910 Frankford Ave, Philadelphia, PA 19114 1900
18 Month CD
$0
4.22%
▲ 1.23% above Pennsylvania avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.99%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.22% APY · checked 3 times
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 18 Month (Legacy Club)
$0
4.20%
▲ 1.21% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.21% above avgNationally 2.88%
Details
Legacy Club; Balance: APY paid on $1,000 minimum balance
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.16% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 1.16% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.11% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 1.11% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 18 Month
$0
4.10%
▲ 1.11% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.11% above avgNationally 2.88%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.10% ▲ 0.19 pts · high 4.10% / low 3.91%
- Oct 12, 20264.10%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
18 Month Certificate
$500
4.08%
▲ 1.09% above Pennsylvania avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.09% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
9200 Roosevelt Blvd, Philadelphia, PA 19115
18-Month CD
$500
4.00%
▲ 1.01% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Location: available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141); rates in other areas or for online openings may not be available; minimum deposit of $500; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
18 Month Jumbo Certificate
$10,000
4.00%
▲ 1.01% above Pennsylvania avg
▼
Rate3.92%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
18-month Flex Certificate
$0
4.00%
▲ 1.01% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Sep 18, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
18-month IRA Growth Certificate
$0
4.00%
▲ 1.01% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Sep 18, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
117 21 Spring Garden Street Suite A, Philadelphia, PA 19123
18 Month Certificate
$0
3.95%
▲ 0.96% above Pennsylvania avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.99%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 3.95% APY · checked 3 times
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposit - 18 Months
$500
3.90%
▲ 0.91% above Pennsylvania avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.91% above avgNationally 2.88%
Details
Fees:
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.90% ▲ 0.65 pts · high 3.90% / low 3.25%
- Oct 14, 20263.90%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposits - IRA'S - 18 Months
$0
3.90%
▲ 0.91% above Pennsylvania avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.91% above avgNationally 2.88%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 3.90% APY
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
9375 Bustleton Ave, Philadelphia, PA 19115
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 0.86% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.86% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Minimum deposit of $1,000 to open a CD
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
9375 Bustleton Ave, Philadelphia, PA 19115
18-Month M&T Select CD
$1,000
3.85%
▲ 0.86% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.86% above avgNationally 2.88%
Details
Requires a qualifying M&T Bank checking account (MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking or Advantage Checking) to open; maximum deposit $1,000,000 per account ($750,000 if opened online); early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 18 Month
$500
3.82%
▲ 0.83% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.83% above avgNationally 2.88%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 3.14% → 3.82% ▲ 0.68 pts · high 3.82% / low 3.14%
- Oct 15, 20263.82%▲ from 3.14%
- Sep 25, 20263.14%first recorded
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
18 Month Certificates Of Deposit
$0
3.75%
▲ 0.76% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.99%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Sep 15, 2026 · 3.75% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.71% above Pennsylvania avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.71% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 18 Month Bonus Certificate
$0
3.70%
▲ 0.71% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.71% above avgNationally 2.88%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.64%
Rate History
No change since Oct 15, 2026 · 3.70% APY
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
18-month Certificate
$500
3.70%
▲ 0.71% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 22, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
18-month Fixed-Rate IRA Only
$500
3.70%
▲ 0.71% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
- Sep 22, 20263.70%▲ from 3.55%
- Sep 14, 20263.55%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 18-month Certificate
$500
3.70%
▲ 0.71% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.71% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 18-month Fixed-Rate IRA Only
$500
3.70%
▲ 0.71% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.71% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 18 Month Certificate
$500
3.65%
▲ 0.66% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.66% above avgNationally 2.88%
Details
Business Certificate; Dividend rate 3.59%
Rate History
No change since Oct 15, 2026 · 3.65% APY
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12901 Townsend Rd, Philadelphia, PA 19154 1021
18 Month Certificates & IRA Certificates
$0
3.65%
▲ 0.66% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.66% above avgNationally 2.88%
Details
Minimum daily balance of $500 required to earn the disclosed APY
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
199 W Girard Ave, Philadelphia, PA 19123
18 Month CD
$500
3.50%
▲ 0.51% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.51% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month IRA Mini-Jumbo - FedPerks
$50,000
3.40%
▲ 0.41% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.41% above avgNationally 2.88%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Traditional IRA
Rate History
No change since Oct 15, 2026 · 3.40% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month Roth IRA Mini-Jumbo - FedPerks
$50,000
3.40%
▲ 0.41% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.41% above avgNationally 2.88%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Roth IRA
Rate History
No change since Oct 15, 2026 · 3.40% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month SEP IRA Mini-Jumbo - FedPerks
$50,000
3.40%
▲ 0.41% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.41% above avgNationally 2.88%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; SEP IRA
Rate History
No change since Oct 15, 2026 · 3.40% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 18 Months Mini-Jumbo - FedPerks
$500
3.40%
▲ 0.41% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.41% above avgNationally 2.88%
Details
FedPerks APY; Balance: $50,000 and above; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.40% APY
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
18 Month Certificate
$0
3.40%
▲ 0.41% above Pennsylvania avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.41% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 5 times
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
18 Month Rate Boost CD
$1,000
3.35%
▲ 0.36% above Pennsylvania avg
▼
Rate3.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details
Minimum balance to open & obtain APY; See Details; early withdrawal penalties apply
Rate History
No change since Sep 15, 2026 · 3.35% APY · checked 9 times
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
18-month Rate Boost Certificate
$1,000
3.35%
▲ 0.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details
Limited time offer; one-time APY increase during term by calling 866.327.9199 or visiting a branch if standard 18-month certificate rate rises above initial rate; matures to standard 18-month certificate; interest compounded daily and credited monthly; early withdrawal penalties apply
Rate History
No change since Sep 15, 2026 · 3.35% APY · checked 9 times
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 18 Month
$500
3.35%
▲ 0.36% above Pennsylvania avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
No change since Sep 15, 2026 · 3.35% APY · checked 9 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month IRA - FedPerks
$500
3.35%
▲ 0.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Traditional IRA
Rate History
No change since Oct 15, 2026 · 3.35% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month Roth IRA - FedPerks
$500
3.35%
▲ 0.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Roth IRA
Rate History
No change since Oct 15, 2026 · 3.35% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month SEP IRA - FedPerks
$500
3.35%
▲ 0.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; SEP IRA
Rate History
No change since Oct 15, 2026 · 3.35% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 18 Months Regular - FedPerks
$500
3.35%
▲ 0.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details
FedPerks APY; Balance: $500 - $49,999; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.35% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
18 Month Jumbo Certificates
$0
3.30%
▲ 0.31% above Pennsylvania avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.31% above avgNationally 2.88%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 18 month
$1,000
3.30%
▲ 0.31% above Pennsylvania avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.31% above avgNationally 2.88%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15%
- Oct 4, 20263.30%▲ from 3.15%
- Sep 16, 20263.15%first recorded
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
18 Month Traditional Certificate
$100,000
3.30%
▲ 0.31% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.31% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.30% APY · checked 2 times
Sharon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1900 South St, Philadelphia, PA 19146
18 Month Certificate
$1,000
3.25%
▲ 0.26% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
18 Month Traditional Certificate
$500
3.25%
▲ 0.26% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month IRA Mini-Jumbo
$50,000
3.15%
▲ 0.16% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.16% above avgNationally 2.88%
Details
Standard APY; Dividends compounded/credited monthly; Traditional IRA
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month Roth IRA Mini-Jumbo
$50,000
3.15%
▲ 0.16% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.16% above avgNationally 2.88%
Details
Standard APY; Dividends compounded/credited monthly; Roth IRA
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
18 Month SEP IRA Mini-Jumbo
$50,000
3.15%
▲ 0.16% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.16% above avgNationally 2.88%
Details
Standard APY; Dividends compounded/credited monthly; SEP IRA
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 18 Months Mini-Jumbo
$500
3.15%
▲ 0.16% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.99%▲ 0.16% above avgNationally 2.88%
Details
Balance: $50,000 and above; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.15% APY
Philadelphia 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 24-Month
$500
4.30%
▲ 1.41% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- 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%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 24-Month
$500
4.30%
▲ 1.41% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.90%
Details
Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 24 MONTH
$0
4.30%
▲ 1.41% above Pennsylvania avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.90%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9910 Frankford Ave, Philadelphia, PA 19114 1900
24 Month CD
$0
4.28%
▲ 1.39% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.89%▲ 1.39% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 4.28% APY · checked 3 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 24-Month Add-On
$500
4.20%
▲ 1.31% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- 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%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 24-Month Add-On
$500
4.20%
▲ 1.31% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.31% above avgNationally 2.90%
Details
Add-On
Rate History
1 change since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 8, 20264.20%▲ from 3.80%
- Sep 12, 20263.80%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
24-month Jumbo Certificate
$0
4.15%
▲ 1.26% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 1.26% above avgNationally 2.90%
Details
Balance: $75,000+
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
- Sep 22, 20264.15%▲ from 4.10%
- Sep 14, 20264.10%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 24-month Jumbo Certificate
$0
4.15%
▲ 1.26% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 1.26% above avgNationally 2.90%
Details
Balance: $75,000+
Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 24 Month
$0
4.10%
▲ 1.21% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.21% above avgNationally 2.90%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
1 change since Sep 17, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 18, 20264.10%▲ from 4.00%
- Sep 17, 20264.00%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
24-month Bump-Up IRA
$500
4.10%
▲ 1.21% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 1.21% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- 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%
7350 Large St, Philadelphia, PA 19152
24-month Certificate
$500
4.10%
▲ 1.21% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 1.21% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- 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%
7350 Large St, Philadelphia, PA 19152
24-month Fixed-Rate IRA Only
$500
4.10%
▲ 1.21% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 1.21% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- 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%
7350 Large St, Philadelphia, PA 19152
Business 24-month Certificate
$500
4.10%
▲ 1.21% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 1.21% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 24-month Fixed-Rate IRA Only
$500
4.10%
▲ 1.21% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 1.21% above avgNationally 2.90%
Details
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 2 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
24 Month Certificate
$500
4.08%
▲ 1.19% above Pennsylvania avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.19% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.08% ▲ 0.47 pts · high 4.08% / low 3.61%
- Sep 20, 20264.08%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
24-month Certificate/IRA
$0
4.05%
▲ 1.16% above Pennsylvania avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.16% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 9 times
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
4341 Ridge Ave, Philadelphia, PA 19129
2 Year CD
$500
4.00%
▲ 1.11% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 1.11% above avgNationally 2.90%
Details
Maximum deposit $250,000 when opened online; $500,000 when opened in the branch
Rate History
1 change since Sep 18, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 14, 20264.00%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
117 21 Spring Garden Street Suite A, Philadelphia, PA 19123
2 Year Certificate
$0
4.00%
▲ 1.11% above Pennsylvania avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.89%▲ 1.11% above avgNationally 2.90%
Details
Rate History
No change since Oct 3, 2026 · 4.00% APY · checked 3 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
2 Year IRA Certificate
$0
3.95%
▲ 1.06% above Pennsylvania avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 1.06% above avgNationally 2.90%
Details
Term: 2 years - Fixed rate add on; IRA rates effective 09/18/2026; Add-on feature: deposits of $25 or more can be added at any time; minimum balance of $100
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 24 Month
$500
3.92%
▲ 1.03% above Pennsylvania avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.03% above avgNationally 2.90%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 3.20% → 3.92% ▲ 0.72 pts · high 3.92% / low 3.20%
- Oct 15, 20263.92%▲ from 3.20%
- Sep 25, 20263.20%first recorded
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
2 Year Jumbo Certificate
$10,000
3.90%
▲ 1.01% above Pennsylvania avg
▼
Rate3.83%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 1.01% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.90% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 24 Month Bonus Certificate
$0
3.80%
▲ 0.91% above Pennsylvania avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.91% above avgNationally 2.90%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.74%
Rate History
No change since Oct 15, 2026 · 3.80% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 24 Month Certificate
$500
3.75%
▲ 0.86% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.86% above avgNationally 2.90%
Details
Business Certificate; Dividend rate 3.69%
Rate History
No change since Oct 15, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.81% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.81% above avgNationally 2.90%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.77% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.77% above avgNationally 2.90%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposit - 24 Months
$500
3.65%
▲ 0.76% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.76% above avgNationally 2.90%
Details
Fees:
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.65% ▲ 0.65 pts · high 3.65% / low 3.00%
- Oct 14, 20263.65%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposits - IRA'S - 24 Months
$0
3.65%
▲ 0.76% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.76% above avgNationally 2.90%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 3.65% APY
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
24 Month Certificates Of Deposit
$0
3.65%
▲ 0.76% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.89%▲ 0.76% above avgNationally 2.90%
Details
Rate History
No change since Sep 15, 2026 · 3.65% APY · checked 6 times
Sharon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1900 South St, Philadelphia, PA 19146
24 Month Certificate
$1,000
3.65%
▲ 0.76% above Pennsylvania avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.76% above avgNationally 2.90%
Details
Rate History
1 change since Sep 20, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
- Oct 3, 20263.65%▲ from 3.25%
- Sep 20, 20263.25%first recorded
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 24 Months Mini-Jumbo - FedPerks
$500
3.65%
▲ 0.76% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.76% above avgNationally 2.90%
Details
FedPerks APY; Balance: $50,000 and above; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.65% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.71% above Pennsylvania avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 24 Months Regular - FedPerks
$500
3.60%
▲ 0.71% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.71% above avgNationally 2.90%
Details
FedPerks APY; Balance: $500 - $49,999; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.60% APY
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12901 Townsend Rd, Philadelphia, PA 19154 1021
24 Month Certificates & IRA Certificates
$0
3.60%
▲ 0.71% above Pennsylvania avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.89%▲ 0.71% above avgNationally 2.90%
Details
Minimum daily balance of $500 required to earn the disclosed APY
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
2 Year Certificate of Deposit
$0
3.50%
▲ 0.61% above Pennsylvania avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.61% above avgNationally 2.90%
Details
APY based on semi-annual compounding; substantial penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
199 W Girard Ave, Philadelphia, PA 19123
24 Month CD
$500
3.50%
▲ 0.61% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.61% above avgNationally 2.90%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 24 Months Mini-Jumbo
$500
3.40%
▲ 0.51% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.51% above avgNationally 2.90%
Details
Balance: $50,000 and above; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.40% APY
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 24 Month
$500
3.35%
▲ 0.46% above Pennsylvania avg
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.46% above avgNationally 2.90%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
No change since Sep 15, 2026 · 3.35% APY · checked 9 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 24 Months Regular
$500
3.35%
▲ 0.46% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.46% above avgNationally 2.90%
Details
Balance: $500 - $49,999; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.35% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
2 Year Jumbo Certificates
$0
3.35%
▲ 0.46% above Pennsylvania avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.46% above avgNationally 2.90%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 2 year
$1,000
3.35%
▲ 0.46% above Pennsylvania avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.46% above avgNationally 2.90%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 4, 20263.35%▲ from 3.25%
- Sep 16, 20263.25%first recorded
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
24 Month Traditional Certificate
$100,000
3.35%
▲ 0.46% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.46% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.35% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
24 Month Traditional Certificate
$500
3.30%
▲ 0.41% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.30% APY · checked 2 times
NORTHWOOD
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6836 Castor Ave, Philadelphia, PA 19149 2108
24 Month Share Certificate Fixed Rate
$3,000
3.25%
▲ 0.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.36% above avgNationally 2.90%
Details
Minimum Certificate $3,000.00; Dividends compounded daily and payable at maturity; Penalty for early withdrawal: 180 day penalty
Rate History
No change since Oct 14, 2026 · 3.25% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
2 Year Certificates
$0
3.10%
▲ 0.21% above Pennsylvania avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▲ 0.21% above avgNationally 2.90%
Details
Balance: $1,000 - $49,999
Rate History
1 change since Sep 25, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 4, 20263.10%▲ from 3.00%
- Sep 25, 20263.00%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1027 Arch St, Philadelphia, PA 19107
2 Year Online CD
$0
3.00%
▲ 0.11% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.11% above avgNationally 2.90%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Port Richmond Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
2522 E Allegheny Ave, Philadelphia, PA 19134
Certificates of Deposit - 24 month
$500
2.99%
▲ 0.10% above Pennsylvania avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▲ 0.10% above avgNationally 2.90%
Details
Early withdrawal penalty may apply; Rates as of 09/18/25
Rate History
No change since Oct 14, 2026 · 2.99% APY
Reliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
8704A Crispin Dr, Philadelphia, PA 19136 1304
24 Month Certificate of Deposit
$500
2.70%
▼ 0.19% below Pennsylvania avg
▼
Rate2.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.89%▼ 0.19% below avgNationally 2.90%
Details
Certificate Rates; savings rates effective 1/1/2026; early withdrawal penalty may apply
Rate History
No change since Sep 25, 2026 · 2.70% APY · checked 5 times
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Philadelphia, PA 19145
Certificate of Deposit - 24 Month
$1,000
2.50%
▼ 0.39% below Pennsylvania avg
▼
Rate2.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▼ 0.39% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
24 Month Bonus Certificate
$0
2.38%
▼ 0.51% below Pennsylvania avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▼ 0.51% below avgNationally 2.90%
Details
Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit: $50,000.00
Rate History
No change since Sep 14, 2026 · 2.38% APY · checked 8 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
Regular & IRA Certificates - 24 months
$0
2.28%
▼ 0.61% below Pennsylvania avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.89%▼ 0.61% below avgNationally 2.90%
Details
Daily Avg. Balance/Min. Deposit: $500.00; Dividends compounded and paid monthly; Certificate penalties may apply for early withdrawals
Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 4 times
Philadelphia 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.40% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.40% above avgNationally 2.82%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.35% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.82%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
36 Month IRA Certificate - Traditional or Roth
$2,000
4.10%
▲ 1.35% above Pennsylvania avg
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.82%
Details
Minimum additional deposit: $25; Maximum limit (cap) on deposit for each IRA product is $250,000
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 3 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 36-Month
$1,000
4.10%
▲ 1.35% above Pennsylvania avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.35% 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%
- 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%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 36-Month
$1,000
4.10%
▲ 1.35% above Pennsylvania avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.35% 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%
- Oct 8, 20264.10%▲ from 3.95%
- Sep 12, 20263.95%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 36 Month
$500
4.07%
▲ 1.32% above Pennsylvania avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.32% above avgNationally 2.82%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 3.20% → 4.07% ▲ 0.87 pts · high 4.07% / low 3.20%
- Oct 15, 20264.07%▲ from 3.20%
- Sep 25, 20263.20%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 36 Month
$0
4.01%
▲ 1.26% above Pennsylvania avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.26% above avgNationally 2.82%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
- Oct 12, 20264.01%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
36-month Certificate/IRA
$0
3.85%
▲ 1.10% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9910 Frankford Ave, Philadelphia, PA 19114 1900
36 Month CD
$0
3.81%
▲ 1.06% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.06% above avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 3.81% APY · checked 3 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 36 Month Bonus Certificate
$0
3.80%
▲ 1.05% above Pennsylvania avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.05% above avgNationally 2.82%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.74%
Rate History
No change since Oct 15, 2026 · 3.80% APY
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
36-month Jumbo Certificate
$0
3.80%
▲ 1.05% above Pennsylvania avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.05% above avgNationally 2.82%
Details
Balance: $75,000+
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Sep 22, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 36-month Jumbo Certificate
$0
3.80%
▲ 1.05% above Pennsylvania avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.05% above avgNationally 2.82%
Details
Balance: $75,000+
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 36 Month Certificate
$500
3.75%
▲ 1.00% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.00% above avgNationally 2.82%
Details
Business Certificate; Dividend rate 3.69%
Rate History
No change since Oct 15, 2026 · 3.75% APY
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
3 Year Jumbo Certificate
$10,000
3.75%
▲ 1.00% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 1.00% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
36-month Certificate
$500
3.75%
▲ 1.00% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.00% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
36-month Fixed-Rate IRA Only
$500
3.75%
▲ 1.00% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.00% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 36-month Certificate
$500
3.75%
▲ 1.00% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.00% above avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 36-month Fixed-Rate IRA Only
$500
3.75%
▲ 1.00% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.00% above avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
36 Month Certificates Of Deposit
$0
3.70%
▲ 0.95% above Pennsylvania avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.75%▲ 0.95% above avgNationally 2.82%
Details
Rate History
No change since Sep 15, 2026 · 3.70% APY · checked 6 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
36 Month Certificate
$500
3.66%
▲ 0.91% above Pennsylvania avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.91% above avgNationally 2.82%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
Port Richmond Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
2522 E Allegheny Ave, Philadelphia, PA 19134
Certificates of Deposit - 36 month
$500
3.49%
▲ 0.74% above Pennsylvania avg
▼
Rate3.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 0.74% above avgNationally 2.82%
Details
Early withdrawal penalty may apply; Rates as of 09/18/25
Rate History
No change since Oct 14, 2026 · 3.49% APY
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
117 21 Spring Garden Street Suite A, Philadelphia, PA 19123
3 Year Certificate
$0
3.45%
▲ 0.70% above Pennsylvania avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.75%▲ 0.70% above avgNationally 2.82%
Details
Rate History
No change since Oct 3, 2026 · 3.45% APY · checked 3 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 36 Months Mini-Jumbo - FedPerks
$500
3.45%
▲ 0.70% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.70% above avgNationally 2.82%
Details
FedPerks APY; Balance: $50,000 and above; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.45% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
3 Year Jumbo Certificates
$0
3.45%
▲ 0.70% above Pennsylvania avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.70% above avgNationally 2.82%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 3 year
$1,000
3.45%
▲ 0.70% above Pennsylvania avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.70% above avgNationally 2.82%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
- Oct 4, 20263.45%▲ from 3.35%
- Sep 16, 20263.35%first recorded
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
36 Month Traditional Certificate
$100,000
3.45%
▲ 0.70% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.70% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 36 Months Regular - FedPerks
$500
3.40%
▲ 0.65% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.65% above avgNationally 2.82%
Details
FedPerks APY; Balance: $500 - $49,999; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.40% APY
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
36 Month Traditional Certificate
$500
3.40%
▲ 0.65% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.65% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.40% APY · checked 2 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 36 MONTH
$0
3.40%
▲ 0.65% above Pennsylvania avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.65% above avgNationally 2.82%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposit - 36 Months
$500
3.25%
▲ 0.50% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 0.50% above avgNationally 2.82%
Details
Fees:
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.25% ▲ 0.50 pts · high 3.25% / low 2.75%
- Oct 14, 20263.25%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposits - IRA'S - 36 Months
$0
3.25%
▲ 0.50% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 0.50% above avgNationally 2.82%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 3.25% APY
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
3 Year Certificate of Deposit
$0
3.20%
▲ 0.45% above Pennsylvania avg
▼
Rate3.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 0.45% above avgNationally 2.82%
Details
APY based on semi-annual compounding; substantial penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
3 Year IRA Certificate
$0
3.20%
▲ 0.45% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 0.45% above avgNationally 2.82%
Details
IRA rates effective 09/18/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 36 Months Mini-Jumbo
$500
3.20%
▲ 0.45% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.45% above avgNationally 2.82%
Details
Balance: $50,000 and above; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.20% APY
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
36 Month Certificate
$0
3.20%
▲ 0.45% above Pennsylvania avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.45% above avgNationally 2.82%
Details
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 5 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
3 Year Certificates
$0
3.20%
▲ 0.45% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.45% above avgNationally 2.82%
Details
Balance: $1,000 - $49,999
Rate History
1 change since Sep 25, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
- Oct 4, 20263.20%▲ from 3.10%
- Sep 25, 20263.10%first recorded
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 36 Months Regular
$500
3.15%
▲ 0.40% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.40% above avgNationally 2.82%
Details
Balance: $500 - $49,999; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 3.15% APY
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 36 Month
$500
3.00%
▲ 0.25% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 0.25% above avgNationally 2.82%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
No change since Sep 15, 2026 · 3.00% APY · checked 9 times
Sharon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1900 South St, Philadelphia, PA 19146
36 Month Certificate
$1,000
3.00%
▲ 0.25% above Pennsylvania avg
▼
Rate2.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 0.25% above avgNationally 2.82%
Details
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 7 times
Reliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
8704A Crispin Dr, Philadelphia, PA 19136 1304
36 Month Certificate of Deposit
$500
2.90%
▲ 0.15% above Pennsylvania avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▲ 0.15% above avgNationally 2.82%
Details
Certificate Rates; savings rates effective 1/1/2026; early withdrawal penalty may apply
Rate History
No change since Sep 25, 2026 · 2.90% APY · checked 5 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1027 Arch St, Philadelphia, PA 19107
3 Year Online CD
$0
2.75%
At Pennsylvania avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%At the averageNationally 2.82%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12901 Townsend Rd, Philadelphia, PA 19154 1021
36 Month Certificates & IRA Certificates
$0
2.60%
▼ 0.15% below Pennsylvania avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▼ 0.15% below avgNationally 2.82%
Details
Minimum daily balance of $500 required to earn the disclosed APY
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 4 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
36 Month Bonus Certificate
$0
2.38%
▼ 0.37% below Pennsylvania avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▼ 0.37% below avgNationally 2.82%
Details
Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit: $50,000.00
Rate History
No change since Sep 14, 2026 · 2.38% APY · checked 8 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
Regular & IRA Certificates - 36 months
$0
2.28%
▼ 0.47% below Pennsylvania avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▼ 0.47% below avgNationally 2.82%
Details
Daily Avg. Balance/Min. Deposit: $500.00; Dividends compounded and paid monthly; Certificate penalties may apply for early withdrawals
Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 4 times
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Philadelphia, PA 19145
Certificate of Deposit - 36 Month
$1,000
2.00%
▼ 0.75% below Pennsylvania avg
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▼ 0.75% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
199 W Girard Ave, Philadelphia, PA 19123
36 Month CD
$500
1.75%
▼ 1.00% below Pennsylvania avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.75%▼ 1.00% below avgNationally 2.82%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
470 W Cheltenham Ave, Philadelphia, PA 19126
Certificate of Deposit - 36 Month
$500
1.50%
▼ 1.25% below Pennsylvania avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▼ 1.25% below avgNationally 2.82%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
50 S 16th St, Philadelphia, PA 19102
36 Month Certificates of Deposit
$0
1.01%
▼ 1.74% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▼ 1.74% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3735 Walnut St, Philadelphia, PA 19104
TD Choice CD 3 Year
$250
1.00%
▼ 1.75% below Pennsylvania avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▼ 1.75% below avgNationally 2.82%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1901 E Passyunk Ave, Philadelphia, PA 19148
Fixed Rate CD - 36 Month
$2,500
1.00%
▼ 1.75% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▼ 1.75% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
Philadelphia 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 48-Month
$1,000
4.15%
▲ 1.50% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 1.50% 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%
- 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%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 48-Month
$1,000
4.15%
▲ 1.50% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 1.50% 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%
- Oct 8, 20264.15%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 48 Month
$500
4.07%
▲ 1.42% above Pennsylvania avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 1.42% above avgNationally 2.81%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 3.30% → 4.07% ▲ 0.77 pts · high 4.07% / low 3.30%
- Oct 15, 20264.07%▲ from 3.30%
- Sep 25, 20263.30%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 48 Month
$0
4.01%
▲ 1.36% above Pennsylvania avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 1.36% above avgNationally 2.81%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
- Oct 12, 20264.01%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
48-month Certificate/IRA
$0
3.85%
▲ 1.20% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 1.20% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9910 Frankford Ave, Philadelphia, PA 19114 1900
48 Month CD
$0
3.81%
▲ 1.16% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.16% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.81% APY · checked 3 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
48-month Jumbo Certificate
$0
3.80%
▲ 1.15% above Pennsylvania avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%▲ 1.15% above avgNationally 2.81%
Details
Balance: $75,000+
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Sep 22, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 48-month Jumbo Certificate
$0
3.80%
▲ 1.15% above Pennsylvania avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%▲ 1.15% above avgNationally 2.81%
Details
Balance: $75,000+
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
48 Month Certificates Of Deposit
$0
3.75%
▲ 1.10% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.65%▲ 1.10% above avgNationally 2.81%
Details
Rate History
No change since Sep 15, 2026 · 3.75% APY · checked 6 times
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
4 Year Jumbo Certificate
$10,000
3.75%
▲ 1.10% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 1.10% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
48-month Bump-Up IRA
$500
3.75%
▲ 1.10% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%▲ 1.10% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
48-month Certificate
$500
3.75%
▲ 1.10% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%▲ 1.10% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
48-month Fixed-Rate IRA Only
$500
3.75%
▲ 1.10% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%▲ 1.10% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 48-month Certificate
$500
3.75%
▲ 1.10% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%▲ 1.10% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 48-month Fixed-Rate IRA Only
$500
3.75%
▲ 1.10% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%▲ 1.10% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 48 Month Bonus Certificate
$0
3.65%
▲ 1.00% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 1.00% above avgNationally 2.81%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.59%
Rate History
No change since Oct 15, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 48 Month Certificate
$500
3.60%
▲ 0.95% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.95% above avgNationally 2.81%
Details
Business Certificate; Dividend rate 3.55%
Rate History
No change since Oct 15, 2026 · 3.60% APY
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposit - 48 Months
$500
3.50%
▲ 0.85% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.85% above avgNationally 2.81%
Details
Fees:
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10%
- Oct 14, 20263.50%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposits - IRA'S - 48 Months
$0
3.50%
▲ 0.85% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.85% above avgNationally 2.81%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 3.50% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
4 Year Jumbo Certificates
$0
3.50%
▲ 0.85% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.85% above avgNationally 2.81%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 4 year
$1,000
3.50%
▲ 0.85% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.85% above avgNationally 2.81%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 4, 20263.50%▲ from 3.40%
- Sep 16, 20263.40%first recorded
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
48 Month Traditional Certificate
$100,000
3.50%
▲ 0.85% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.85% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Port Richmond Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
2522 E Allegheny Ave, Philadelphia, PA 19134
Certificates of Deposit - 48 month
$500
3.49%
▲ 0.84% above Pennsylvania avg
▼
Rate3.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.84% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; Rates as of 09/18/25
Rate History
No change since Oct 14, 2026 · 3.49% APY
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
117 21 Spring Garden Street Suite A, Philadelphia, PA 19123
4 Year Certificate
$0
3.45%
▲ 0.80% above Pennsylvania avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.65%▲ 0.80% above avgNationally 2.81%
Details
Rate History
No change since Oct 3, 2026 · 3.45% APY · checked 3 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
48 Month Traditional Certificate
$500
3.45%
▲ 0.80% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.80% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.45% APY · checked 2 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 48 MONTH
$0
3.40%
▲ 0.75% above Pennsylvania avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.75% above avgNationally 2.81%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Sharon Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
1900 South St, Philadelphia, PA 19146
48 Month Certificate
$1,000
3.25%
▲ 0.60% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.60% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
4 Year Certificates
$0
3.25%
▲ 0.60% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.60% above avgNationally 2.81%
Details
Balance: $1,000 - $49,999
Rate History
1 change since Sep 25, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 4, 20263.25%▲ from 3.15%
- Sep 25, 20263.15%first recorded
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
4 Year Certificate of Deposit
$0
3.20%
▲ 0.55% above Pennsylvania avg
▼
Rate3.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.55% above avgNationally 2.81%
Details
APY based on semi-annual compounding; substantial penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2900 Comly Rd, Philadelphia, PA 19154
4 Year IRA Certificate
$0
3.20%
▲ 0.55% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.55% above avgNationally 2.81%
Details
IRA rates effective 09/18/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 48 Months Mini-Jumbo - FedPerks
$500
3.15%
▲ 0.50% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.50% above avgNationally 2.81%
Details
FedPerks APY; Balance: $50,000 and above; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.15% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 48 Months Regular - FedPerks
$500
3.15%
▲ 0.50% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.50% above avgNationally 2.81%
Details
FedPerks APY; Balance: $500 - $49,999; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.15% APY
Reliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
8704A Crispin Dr, Philadelphia, PA 19136 1304
48 Month Certificate of Deposit
$500
3.10%
▲ 0.45% above Pennsylvania avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.45% above avgNationally 2.81%
Details
Certificate Rates; savings rates effective 1/1/2026; early withdrawal penalty may apply
Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 5 times
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 48 Month
$500
3.00%
▲ 0.35% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.35% above avgNationally 2.81%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
No change since Sep 15, 2026 · 3.00% APY · checked 9 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 48 Months Mini-Jumbo
$500
2.90%
▲ 0.25% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.25% above avgNationally 2.81%
Details
Balance: $50,000 and above; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 2.90% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 48 Months Regular
$500
2.90%
▲ 0.25% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▲ 0.25% above avgNationally 2.81%
Details
Balance: $500 - $49,999; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 2.90% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1027 Arch St, Philadelphia, PA 19107
4 Year Online CD
$0
2.75%
▲ 0.10% above Pennsylvania avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▲ 0.10% above avgNationally 2.81%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12901 Townsend Rd, Philadelphia, PA 19154 1021
48 Month Certificates & IRA Certificates
$0
2.65%
At Pennsylvania avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.65%At the averageNationally 2.81%
Details
Minimum daily balance of $500 required to earn the disclosed APY
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 4 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
48 Month Bonus Certificate
$0
2.53%
▼ 0.12% below Pennsylvania avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 0.12% below avgNationally 2.81%
Details
Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit: $50,000.00
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
Regular & IRA Certificates - 48 months
$0
2.43%
▼ 0.22% below Pennsylvania avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 0.22% below avgNationally 2.81%
Details
Daily Avg. Balance/Min. Deposit: $500.00; Dividends compounded and paid monthly; Certificate penalties may apply for early withdrawals
Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 4 times
United Savings Bank Philadelphia, PA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1510 Packer Ave, Philadelphia, PA 19145
Certificate of Deposit - 48 Month
$1,000
2.00%
▼ 0.65% below Pennsylvania avg
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 0.65% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Hyperion Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
199 W Girard Ave, Philadelphia, PA 19123
48 Month CD
$500
1.95%
▼ 0.70% below Pennsylvania avg
▼
Rate1.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▼ 0.70% below avgNationally 2.81%
Details
Also available for IRA CDs; penalty may be imposed for early withdrawal; certain account types only available to be opened in person at a branch location
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 7 times
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
470 W Cheltenham Ave, Philadelphia, PA 19126
Certificate of Deposit - 48 Month
$500
1.50%
▼ 1.15% below Pennsylvania avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 1.15% below avgNationally 2.81%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 7 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
50 S 16th St, Philadelphia, PA 19102
48 Month Certificates of Deposit
$0
1.01%
▼ 1.64% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 1.64% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1901 E Passyunk Ave, Philadelphia, PA 19148
Fixed Rate CD - 48 Month
$2,500
0.75%
▼ 1.90% below Pennsylvania avg
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 1.90% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 4 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
48 Month Certificate
$500
0.75%
▼ 1.90% below Pennsylvania avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▼ 1.90% below avgNationally 2.81%
Details
Early Withdrawal Penalty: 6 month interest
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
United Bank of Philadelphia
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
1501 N Broad St, Philadelphia, PA 19122
4-Year Certificate of Deposit
$500
0.25%
▼ 2.40% below Pennsylvania avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 2.40% below avgNationally 2.81%
Details
Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 8 times
United Bank of Philadelphia
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
1501 N Broad St, Philadelphia, PA 19122
IRA 4-Year Certificate of Deposit
$500
0.25%
▼ 2.40% below Pennsylvania avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 2.40% below avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
No change since Oct 14, 2026 · 0.25% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9 W Evergreen Ave, Philadelphia, PA 19118
48 Month CD
$1,000
0.05%
▼ 2.60% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.65%▼ 2.60% below avgNationally 2.81%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
801 Christian St, Philadelphia, PA 19147
48 Month Certificate of Deposit
$0
0.03%
▼ 2.62% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.65%▼ 2.62% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
Philadelphia 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
60 Month IRA Certificate - Traditional or Roth
$2,500
4.25%
▲ 1.51% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.51% above avgNationally 2.93%
Details
Minimum additional deposit: $25; Maximum limit (cap) on deposit for each IRA product is $250,000
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 3 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
IRA Certificate 60-Month
$1,000
4.20%
▲ 1.46% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.46% above avgNationally 2.93%
Details
Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- 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%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
Regular Certificates - 60-Month
$1,000
4.20%
▲ 1.46% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.46% above avgNationally 2.93%
Details
Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 8, 20264.20%▲ from 4.05%
- Sep 12, 20264.05%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
Share/IRA Certificate 60 Month
$500
4.07%
▲ 1.33% above Pennsylvania avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.33% above avgNationally 2.93%
Details
Effective October 8, 2026; Rates are subject to change without notice
Rate History
1 change since Sep 25, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
- Oct 15, 20264.07%▲ from 3.45%
- Sep 25, 20263.45%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
Certificate - 60 Month
$0
4.01%
▲ 1.27% above Pennsylvania avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.93%
Details
Balance: APY paid on $1,000 minimum balance
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
- Oct 12, 20264.01%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
60 Month Certificate
$500
3.92%
▲ 1.18% above Pennsylvania avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.18% above avgNationally 2.93%
Details
Early Withdrawal Penalty: 6 month interest
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.16% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.16% above avgNationally 2.93%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
330 W Oregon Ave, Philadelphia, PA 19148
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 1.11% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.11% above avgNationally 2.93%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
60 Month Certificates Of Deposit
$0
3.85%
▲ 1.11% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.74%▲ 1.11% above avgNationally 2.93%
Details
Rate History
No change since Sep 15, 2026 · 3.85% APY · checked 6 times
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1801 Market St, Philadelphia, PA 19103 1628
60-month Certificate/IRA
$0
3.85%
▲ 1.11% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.11% above avgNationally 2.93%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
9910 Frankford Ave, Philadelphia, PA 19114 1900
60 Month CD
$0
3.81%
▲ 1.07% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.74%▲ 1.07% above avgNationally 2.93%
Details
Rate History
No change since Oct 9, 2026 · 3.81% APY · checked 3 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
60-month Jumbo Certificate
$0
3.80%
▲ 1.06% above Pennsylvania avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.06% above avgNationally 2.93%
Details
Balance: $75,000+
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Sep 22, 20263.80%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 60-month Jumbo Certificate
$0
3.80%
▲ 1.06% above Pennsylvania avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.06% above avgNationally 2.93%
Details
Balance: $75,000+
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposit - 60 Months
$500
3.75%
▲ 1.01% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.93%
Details
Fees:
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 14, 20263.75%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1610 Spruce St, Philadelphia, PA 19103
Time Deposits - IRA'S - 60 Months
$0
3.75%
▲ 1.01% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.93%
Details
Fees:
Rate History
No change since Oct 14, 2026 · 3.75% APY
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1108 Chestnut St, Philadelphia, PA 19107 4802
5 Year Jumbo Certificate
$10,000
3.75%
▲ 1.01% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
60-month Certificate
$500
3.75%
▲ 1.01% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
60-month Fixed-Rate IRA Only
$500
3.75%
▲ 1.01% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.93%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
- Sep 22, 20263.75%▲ from 3.60%
- Sep 14, 20263.60%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 60-month Certificate
$500
3.75%
▲ 1.01% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.93%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
7350 Large St, Philadelphia, PA 19152
Business 60-month Fixed-Rate IRA Only
$500
3.75%
▲ 1.01% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.93%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Bonus Certificate - 60 Month Bonus Certificate
$0
3.65%
▲ 0.91% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.91% above avgNationally 2.93%
Details
Bonus APY on deposits of $75,000 or more; Dividend rate 3.59%
Rate History
No change since Oct 15, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
30 S 17th St, Philadelphia, PA 19103 4001
Business Certificate - 60 Month Certificate
$500
3.60%
▲ 0.86% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.86% above avgNationally 2.93%
Details
Business Certificate; Dividend rate 3.55%
Rate History
No change since Oct 15, 2026 · 3.60% APY
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
5 Year Jumbo Certificates
$0
3.55%
▲ 0.81% above Pennsylvania avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.81% above avgNationally 2.93%
Details
$50,000 Minimum
Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
IRA Certificate - 5 year
$1,000
3.55%
▲ 0.81% above Pennsylvania avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.81% above avgNationally 2.93%
Details
Annual Percentage Yields (APYs); $1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
- Oct 4, 20263.55%▲ from 3.50%
- Sep 16, 20263.50%first recorded
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
60 Month Traditional Certificate
$100,000
3.55%
▲ 0.81% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.81% above avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 2 times
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
861 E Allegheny Ave, Philadelphia, PA 19134
60 Month Traditional Certificate
$500
3.50%
▲ 0.76% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.76% above avgNationally 2.93%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
117 21 Spring Garden Street Suite A, Philadelphia, PA 19123
5 Year Certificate
$0
3.45%
▲ 0.71% above Pennsylvania avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.74%▲ 0.71% above avgNationally 2.93%
Details
Rate History
No change since Oct 3, 2026 · 3.45% APY · checked 3 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3200 Chestnut St, Philadelphia, PA 19104 3395
Certificate 60 MONTH
$0
3.40%
▲ 0.66% above Pennsylvania avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.66% above avgNationally 2.93%
Details
Certificate Rates; minimum $500 for consumers; available for IRA investments; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
5 Year Certificates
$0
3.30%
▲ 0.56% above Pennsylvania avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.56% above avgNationally 2.93%
Details
Balance: $1,000 - $49,999
Rate History
1 change since Sep 25, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
- Oct 4, 20263.30%▲ from 3.25%
- Sep 25, 20263.25%first recorded
Reliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
8704A Crispin Dr, Philadelphia, PA 19136 1304
60 Month Certificate of Deposit
$500
3.20%
▲ 0.46% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.46% above avgNationally 2.93%
Details
Certificate Rates; savings rates effective 1/1/2026; early withdrawal penalty may apply
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 5 times
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
60 Month Certificate
$0
3.15%
▲ 0.41% above Pennsylvania avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.41% above avgNationally 2.93%
Details
Rate History
No change since Sep 25, 2026 · 3.15% APY · checked 5 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month IRA Mini-Jumbo - FedPerks
$50,000
3.05%
▲ 0.31% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.31% above avgNationally 2.93%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Traditional IRA
Rate History
No change since Oct 15, 2026 · 3.05% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month Roth IRA Mini-Jumbo - FedPerks
$50,000
3.05%
▲ 0.31% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.31% above avgNationally 2.93%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Roth IRA
Rate History
No change since Oct 15, 2026 · 3.05% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month SEP IRA Mini-Jumbo - FedPerks
$50,000
3.05%
▲ 0.31% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.31% above avgNationally 2.93%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; SEP IRA
Rate History
No change since Oct 15, 2026 · 3.05% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 60 Months Mini-Jumbo - FedPerks
$500
3.05%
▲ 0.31% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.31% above avgNationally 2.93%
Details
FedPerks APY; Balance: $50,000 and above; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.05% APY
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
1760 Market St, Philadelphia, PA 19103
Certificates Of Deposit - 60 Month
$500
3.00%
▲ 0.26% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 0.26% above avgNationally 2.93%
Details
Minimum balance to open & obtain APY; early withdrawal penalties apply
Rate History
No change since Sep 15, 2026 · 3.00% APY · checked 9 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month IRA - FedPerks
$500
3.00%
▲ 0.26% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.26% above avgNationally 2.93%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Traditional IRA
Rate History
No change since Oct 15, 2026 · 3.00% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month Roth IRA - FedPerks
$500
3.00%
▲ 0.26% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.26% above avgNationally 2.93%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; Roth IRA
Rate History
No change since Oct 15, 2026 · 3.00% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month SEP IRA - FedPerks
$500
3.00%
▲ 0.26% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.26% above avgNationally 2.93%
Details
FedPerks APY (applies to FedPerks Members); Dividends compounded/credited monthly; SEP IRA
Rate History
No change since Oct 15, 2026 · 3.00% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 60 Months Regular - FedPerks
$500
3.00%
▲ 0.26% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.26% above avgNationally 2.93%
Details
FedPerks APY; Balance: $500 - $49,999; requires FedPerks Membership; Limited to two per member; maximum balance $250,000
Rate History
No change since Oct 15, 2026 · 3.00% APY
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month IRA Mini-Jumbo
$50,000
2.80%
▲ 0.06% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.06% above avgNationally 2.93%
Details
Standard APY; Dividends compounded/credited monthly; Traditional IRA
Rate History
No change since Oct 12, 2026 · 2.80% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month Roth IRA Mini-Jumbo
$50,000
2.80%
▲ 0.06% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.06% above avgNationally 2.93%
Details
Standard APY; Dividends compounded/credited monthly; Roth IRA
Rate History
No change since Oct 12, 2026 · 2.80% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month SEP IRA Mini-Jumbo
$50,000
2.80%
▲ 0.06% above Pennsylvania avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.06% above avgNationally 2.93%
Details
Standard APY; Dividends compounded/credited monthly; SEP IRA
Rate History
No change since Oct 12, 2026 · 2.80% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 60 Months Mini-Jumbo
$500
2.80%
▲ 0.06% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.06% above avgNationally 2.93%
Details
Balance: $50,000 and above; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 2.80% APY
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
5000 WISSAHICKON AVE, PHILADELPHIA, PA 19144
60 Month Bonus Certificate
$0
2.79%
▲ 0.05% above Pennsylvania avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 0.05% above avgNationally 2.93%
Details
Bonus certificates may be regular or IRA certificates; Daily Avg. Balance/Min. Deposit: $50,000.00
Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 8 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1027 Arch St, Philadelphia, PA 19107
5 Year Online CD
$0
2.75%
▲ 0.01% above Pennsylvania avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.93%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month IRA
$500
2.75%
▲ 0.01% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.93%
Details
Standard APY; Dividends compounded/credited monthly; Traditional IRA
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month Roth IRA
$500
2.75%
▲ 0.01% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.93%
Details
Standard APY; Dividends compounded/credited monthly; Roth IRA
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
60 Month SEP IRA
$500
2.75%
▲ 0.01% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.93%
Details
Standard APY; Dividends compounded/credited monthly; SEP IRA
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
FedChoice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2970 Market St, Philadelphia, PA 19104 5002
Share Certificates - 60 Months Regular
$500
2.75%
▲ 0.01% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.93%
Details
Balance: $500 - $49,999; Standard APY; Limited to two per member; maximum balance $250,000; dividends posted quarterly
Rate History
No change since Oct 15, 2026 · 2.75% APY
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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.
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Philadelphia, PA CD Rate Trends
Compare local Philadelphia, 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.
12-Month CD PA Avg
2.984%
▲ 0.021 vs 7 days ago
Pennsylvania 12-month CD rates rose 0.021 points over the past 7 days to 2.984% APY.
6-Month CD PA Avg
2.775%
▼ 0.015 vs 7 days ago
Pennsylvania 6-month CD rates fell 0.015 points over the past 7 days to 2.775% APY.
As of Oct 17, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
2.984%
6-Month Forecast
2.984%
Range: 2.78%, 3.13%
12-Month Forecast
3.234%
Range: 3.03%, 3.38%
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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 | 1.782% | $89.08 | $178.15 | $445.38 | $890.75 |
| 6-Month CD | 2.775% | $138.73 | $277.45 | $693.63 | $1,387.25 |
| 12-Month CD | 2.984% | $149.19 | $298.37 | $745.93 | $1,491.85 |
| 18-Month CD | 2.987% | $149.36 | $298.73 | $746.82 | $1,493.65 |
| 24-Month CD | 2.889% | $144.44 | $288.87 | $722.18 | $1,444.35 |
| 36-Month CD | 2.750% | $137.51 | $275.01 | $687.53 | $1,375.05 |
| 48-Month CD | 2.654% | $132.72 | $265.43 | $663.58 | $1,327.15 |
| 60-Month CD | 2.744% | $137.18 | $274.36 | $685.90 | $1,371.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 15, 2026. | |||||
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Sample CD Ladder for Philadelphia, Pennsylvania Savers
$25,000 split equally across 5 terms using today’s Pennsylvania average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | PA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.782% | $89.08 |
| 2 | 6-Month CD | $5,000 | 2.775% | $138.73 |
| 3 | 12-Month CD | $5,000 | 2.984% | $149.19 |
| 4 | 24-Month CD | $5,000 | 2.889% | $144.44 |
| 5 | 36-Month CD | $5,000 | 2.750% | $137.51 |
| Total ($25,000 invested) | $25,000 | 2.636% blended | $658.95/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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2,512
CD Rates
Tracked in Philadelphia, Pennsylvania
Tracked in Philadelphia, Pennsylvania
47 Banks
73 Credit Unions
About Our Philadelphia, Pennsylvania CD Rate Database
MonitorBankRates tracks 2,512 CD rates from 47 banks and 73 credit unions with locations in Philadelphia, 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: Navy Federal Credit Union offers a CD at 4.35% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in Philadelphia, Pennsylvania.
How to Find the Best CD Rates in Philadelphia, Pennsylvania
What to compare when shopping for a CD in Philadelphia, Pennsylvania
To find the best APYs in Philadelphia, Pennsylvania, start with credit unions and online-only banks: Philadelphia, Pennsylvania has 73 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 Philadelphia, 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 Philadelphia, Pennsylvania: 120 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Philadelphia, Pennsylvania savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Philadelphia, Pennsylvania money market rates
Philadelphia, Pennsylvania Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.7%
National avg: 17.3%
Median Individual Earnings
$42,478
National avg: $47,340
Poverty Rate
21.4%
National avg: 11.1%
Unemployment Rate
8.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$127/yr
At PA 12-mo avg 2.984% APY
14.7% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.1% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s PA 12-month CD average of 2.984%, saving 10% of the local median salary ($4,247/year) and putting it in a CD would earn an additional $127 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 Philadelphia, 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 |
How Certificates of Deposit Work in Philadelphia, Pennsylvania
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Philadelphia, 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 Philadelphia, Pennsylvania as everywhere in the U.S.
Choosing a CD Term in Philadelphia, Pennsylvania
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Philadelphia, Pennsylvania savers easier access to their funds. For example, Freedom Credit Union is offering its 6 Month CD at 4.12% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Democracy Federal Credit Union is offering its 60 Month IRA Certificate - Traditional or Roth at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Philadelphia, Pennsylvania Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Philadelphia, Pennsylvania saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Philadelphia, Pennsylvania
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Philadelphia, Pennsylvania CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Philadelphia, Pennsylvania
Most CDs carry a fixed rate that is locked for the entire term, protecting a Philadelphia, 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 Philadelphia, Pennsylvania
Are CD rates in Philadelphia, Pennsylvania FDIC insured?
Yes, most established banks in Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, Pennsylvania?
Here are recent top rates found for this area:
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Franklin Mint Federal Credit Union: 4.35% APY (Certificate 18 MONTH)
- Sun Federal Credit Union: 4.30% APY (IRA Certificate 18-Month)
- Freedom Credit Union: 4.28% APY (24 Month CD)
- Democracy Federal Credit Union: 4.25% APY (60 Month IRA Certificate - Traditional or Roth)
- American Heritage Federal Credit Union: 4.20% APY (Certificate - 18 Month (Legacy Club))
- Parke Bank: 4.15% APY (Time Deposit - 12 Months)
- Quaint Oak Bank: 4.15% APY (12 Month Certificate)
- TruMark Financial Credit Union: 4.15% APY (24-month Jumbo Certificate)
- Self Reliance NY Federal Credit Union: 4.08% APY (18 Month Certificate)
Rates reflect recent verified offers available in Philadelphia, Pennsylvania. Last Updated: October 15, 2026
Philadelphia, 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 Philadelphia, 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.
CD Calculators for Philadelphia, Pennsylvania
Philadelphia, Pennsylvania CD Calculator
At today’s PA top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.
Philadelphia, Pennsylvania CD LadderPA CD rates currently range from 1.782% (3-month) to 2.750% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Philadelphia, Pennsylvania CD at 4.35% 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 SavingsPennsylvania’s average 12-month CD is 2.984% 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 Philadelphia, 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 Philadelphia, 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 Philadelphia, 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 15, 2026
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