Current Philadelphia, Pennsylvania CD rates include Ukrainian Selfreliance Federal Credit UnionUkrainian Selfreliance Federal Credit Union14425 Bustleton Ave, Philadelphia, PA 19116A+5.0 ★Texas Ratio: 1.47% offering 6 Month Certificate at 4.08% APY, Philadelphia Federal Credit UnionPhiladelphia Federal Credit Union1108 Chestnut St, Philadelphia, PA 19107 4802A+5.0 ★Texas Ratio: 5.07% offering Jumbo Certificate 1 Year at 4.05% APY, American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union2060 Red Lion Rd, Philadelphia, PA 19115 1603A5.0 ★Texas Ratio: 9.69% offering 12 Month (IRA Certificate) Certificates/IRA Certificates at 3.91% APY, OceanFirst BankOceanFirst Bank1500 Market St, Philadelphia, PA 19102A+5.0 ★Texas Ratio: 1.82% offering 6 Month CD at 3.85% APY, and Democracy Federal Credit UnionDemocracy Federal Credit Union300 Spring Garden St, Philadelphia, PA 19123A+5.0 ★Texas Ratio: 3.72% offering 24 Month CD at 3.85% APY. CD rates as of April 4, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Philadelphia, Pennsylvania, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: April 4, 2026
Early Withdrawal Penalty: 1 month interest
Relationship APY
Minimum Deposit $2,500
Early Withdrawal Penalty: 1 month interest
NEW MONEY REQUIRED ? IRA ELIGIBLE
$100000.00 to open
$100,000 minimum deposit to open and earn APY. Penalty for early withdrawal.
$100,000 Minimum to Earn APY
$5,000 - $25,000
Paid At Maturity
**
Minimum deposit $1,000.00/Rates & Terms vary
Substantial penalty for early withdrawal.
Early Withdrawal Penalty: 3 months interest
Relationship APY
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov.
$100
$100,000 and Above
<$5,000
$5000.00 to open
**
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Minimum deposit $1,000.00/Rates & Terms vary
Early Withdrawal Penalty: 3 months interest
Relationship APY
$100,000 Minimum to Earn APY
$25,000+
$10000.00 to open
$100 minimum to open
**
$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Early Withdrawal Penalty: 3 months interest
Relationship APY
$25,000+
$500 minimum to open and earn APY
Compounded Quarterly
$10000.00 to open
Certain new money restrictions apply.
**
$500.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
Citadel Standard Certificate Rates
Early Withdrawal Penalty: 3 months interest
Relationship APY
$100,000 Minimum to Earn APY
<$5,000
Compounded Quarterly
Certain new money restrictions apply.
$100,000.00 minimum deposit to open and earn APY. Penalty for early withdrawal.
**
$25,000+
Minimum deposit $1,000.00/Rates & Terms vary
**
Early Withdrawal Penalty: 6 months interest
Relationship APY
$25,000+
**
Certain new money restrictions apply.
Minimum deposit $1,000.00/Rates & Terms vary
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 pulling data straight 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.