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CD Rate Trends

Pennsylvania Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Pennsylvania CD rates range from 2.75% to 4.81% APY, verified by MonitorBankRates as of October 12, 2026. Current Pennsylvania CD rates include First Northern Bank and Trust CompanyFirst Northern Bank and Trust Company4th Street And Lafayette Avenue, Palmerton, PA 18071A+5.0 ★Texas Ratio: 5.78%Real return: +2.01%APY minus CPI (February 2026) offering 3 Year Adjustable CD at 4.81% APY, Tendto Credit UnionTendto Credit Union1129 State St, Erie, PA 16501 1911A+5.0 ★Texas Ratio: 3.10%Real return: +2.01%APY minus CPI (February 2026) offering 60 month Certificate at 4.81% APY, Citizens & Northern Bank C&NCitizens & Northern Bank C&N423 433 Reuter Boulevard, Towanda, PA 18848A5.0 ★Texas Ratio: 10.85%Real return: +1.83%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.63% APY, Patriot Federal Credit UnionPatriot Federal Credit Union800 Wayne Ave, Chambersburg, PA 17201 3810A+5.0 ★Texas Ratio: 1.50%Real return: +1.80%APY minus CPI (February 2026) offering 48 Month Share Certificate at 4.60% APY, and Enterprise Bank Allison Park, PAEnterprise Bank Allison Park, PA4091 Mount Royal Blvd, Allison Park, PA 15101F1.0 ★Texas Ratio: 80.27%Real return: +1.79%APY minus CPI (February 2026) offering Business 5 Year CD at 4.59% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Pennsylvania side-by-side. Pennsylvania CD rates currently reach as high as 4.81% APY from First Northern Bank and Trust Company at 4th Street And Lafayette Avenue, Palmerton, PA 18071. 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 12, 2026

Compare Best CD Rates in Pennsylvania

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Pennsylvania 3 Month CD Rates

MonitorBankRates Pennsylvania Average · 3 Month CD1.80% APY▲ 0.04% from last weekNational 2.10%
View 3-month CD rate trend

The average 3-month CD rate in Pennsylvania is 1.80% APY, compared with 2.10% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2141 Downyflake Ln, Allentown, PA 18103 4774
3 Month Business Share Certificate
$0
4.00% ▲ 2.20% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 2.20% above avgNationally 2.10%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2141 Downyflake Ln, Allentown, PA 18103 4774
3 Month Share & IRA Share Certificate
$0
4.00% ▲ 2.20% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 2.20% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3720 Hamilton Blvd, Allentown, PA 18103
3 Month Share & IRA Certificate
$0
4.00% ▲ 2.20% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 2.20% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
3 Month Regular & IRA (Traditional & Roth) Certificate
$500
3.90% ▲ 2.10% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 2.10% above avgNationally 2.10%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 3 months
$500
3.90% ▲ 2.10% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 2.10% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
3.15%3.78%4.40%Sep 14, 2026: 3.65% APYOct 4, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.90%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4029 W Tilghman St, Allentown, PA 18104
90 Day CD
$0
3.80% ▲ 2.00% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.80%▲ 2.00% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 12, 2026
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4255 E Main St, Belleville, PA 17004
3 Month Certificate
$0
3.75% ▲ 1.95% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.80%▲ 1.95% above avgNationally 2.10%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1214 w broad st, bethlehem, PA 18018 4952
3 MONTH CD
$5,000
3.75% ▲ 1.95% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.95% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 12, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
3 months (90 Days) Jumbo CDs
$0
3.71% ▲ 1.91% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.91% above avgNationally 2.10%
Details

Jumbo CDs (Above $75,000)

Rate History
1 change since Oct 1, 2026 · 3.82% → 3.71% ▼ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Oct 1, 2026: 3.82% APYOct 9, 2026: 3.71% APYOct 1, 2026Oct 12, 2026
  • Oct 9, 20263.71%▼ from 3.82%
  • Oct 1, 20263.82%first recorded
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
IRA Certificates of Deposit - 3 months (90 Days)
$0
3.71% ▲ 1.91% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.91% above avgNationally 2.10%
Details

Jumbo CDs (Above $75,000)

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.71% ▼ 0.05 pts · high 3.76% / low 3.71%
3.21%3.74%4.26%Sep 14, 2026: 3.76% APYOct 9, 2026: 3.71% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.71%▼ from 3.76%
  • Sep 14, 20263.76%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
7300 Old York Rd, Elkins Park, PA 19027
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.90% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.80%▲ 1.90% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 12, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
1800 W Market St, Pottsville, PA 17901
3 Month Certificate
$0
3.70% ▲ 1.90% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.90% above avgNationally 2.10%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 12, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
1800 W Market St, Pottsville, PA 17901
3 Month IRA Certificate
$0
3.70% ▲ 1.90% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.90% above avgNationally 2.10%
Details

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 12, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
1800 W Market St, Pottsville, PA 17901
3-Month Certificate
$500
3.70% ▲ 1.90% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.90% above avgNationally 2.10%
Details

APY up to

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 12, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11 Meridian Blvd, Wyomissing, PA 19610
3 Month IRA Certificate
$500
3.70% ▲ 1.90% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.90% above avgNationally 2.10%
Details

APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
3 months (90 Days) Regular CDs
$0
3.67% ▲ 1.87% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.87% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.67% ▼ 0.09 pts · high 3.76% / low 3.67%
3.17%3.72%4.26%Sep 14, 2026: 3.76% APYOct 9, 2026: 3.67% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.67%▼ from 3.76%
  • Sep 14, 20263.76%first recorded
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
IRA Certificates of Deposit - 3 months (90 Days)
$0
3.67% ▲ 1.87% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.87% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.67% ▼ 0.09 pts · high 3.76% / low 3.67%
3.17%3.72%4.26%Sep 14, 2026: 3.76% APYOct 9, 2026: 3.67% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.67%▼ from 3.76%
  • Sep 14, 20263.76%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
3 Month IRA Certificate
$0
3.65% ▲ 1.85% above Pennsylvania avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.85% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.55% APYOct 8, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2001 Museum Rd, Wyomissing, PA 19610 2859
3 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational
$100
3.65% ▲ 1.85% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.85% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
29 Main Street, Tremont, PA 17981
3 Month Certificate of Deposit
$0
3.60% ▲ 1.80% above Pennsylvania avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.80%▲ 1.80% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 12, 2026
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
220 W Lancaster Avenue, Wayne, PA 19087
3 Month CD
$500
3.60% ▲ 1.80% above Pennsylvania avg
View
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.80%▲ 1.80% above avgNationally 2.10%
Details

Rate History
No change since Sep 15, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 15, 2026: 3.60% APYSep 15, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
740 W Hamilton St, Allentown, PA 18101
3 Month IRA Certificate
$0
3.60% ▲ 1.80% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Pennsylvania Average1.80%▲ 1.80% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
740 W Hamilton St, Allentown, PA 18101
3 Month Share Certificates
$0
3.60% ▲ 1.80% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Pennsylvania Average1.80%▲ 1.80% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11 Meridian Blvd, Wyomissing, PA 19610
3 Month IRA Certificate
$500
3.60% ▲ 1.80% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.80% above avgNationally 2.10%
Details

APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
520 Eagleview Blvd, Exton, PA 19341
3 Month Bonus Certificate
$75,000
3.55% ▲ 1.75% above Pennsylvania avg
View
▼
Rate3.50%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.75% above avgNationally 2.10%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
520 Eagleview Blvd, Exton, PA 19341
3 Month Certificate
$500
3.50% ▲ 1.70% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.70% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 12, 2026
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
144 Holiday Inn Rd, Clarion, PA 16214
3 Month Share Certificate
$500
3.50% ▲ 1.70% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.70% above avgNationally 2.10%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 12, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
4500 Pennell Rd, Aston, PA 19014 1862
3 Month Regular / IRA
$500
3.50% ▲ 1.70% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.70% above avgNationally 2.10%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 12, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate - 3 Month
$10,000
3.50% ▲ 1.70% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.70% above avgNationally 2.10%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 12, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
5 Hillman Dr, Chadds Ford, PA 19317
3 MONTH Certificate
$0
3.50% ▲ 1.70% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.70% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11 Meridian Blvd, Wyomissing, PA 19610
3 Month IRA Certificate
$500
3.50% ▲ 1.70% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.70% above avgNationally 2.10%
Details

APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
3-month Certificate
$500
3.45% ▲ 1.65% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.65% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 12, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
Business 3-month Certificate
$500
3.45% ▲ 1.65% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.65% above avgNationally 2.10%
Details

Rate History
No change since Oct 9, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 9, 2026: 3.45% APYOct 9, 2026Oct 12, 2026
Brentwood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
411 Mcmurray Rd, Bethel Park, PA 15102
3 Month Certificate of Deposit and IRA
$2,000
3.40% ▲ 1.60% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.60% above avgNationally 2.10%
Details

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 12, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
3 Month Certificate
$250
3.40% ▲ 1.60% above Pennsylvania avg
View
▼
Rate3.34%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average1.80%▲ 1.60% above avgNationally 2.10%
Details

Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 12, 2026
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1600 Medical Dr, Pottstown, PA 19464 3242
90 Day Jumbo Certificate
$0
3.31% ▲ 1.51% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Pennsylvania Average1.80%▲ 1.51% above avgNationally 2.10%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 3.31% APY · checked 5 times
2.81%3.31%3.81%Sep 14, 2026: 3.31% APYSep 14, 2026Oct 12, 2026
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1600 Medical Dr, Pottstown, PA 19464 3242
90 Day Regular Certificate
$0
3.26% ▲ 1.46% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Pennsylvania Average1.80%▲ 1.46% above avgNationally 2.10%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.26% APY · checked 5 times
2.76%3.26%3.76%Sep 14, 2026: 3.26% APYSep 14, 2026Oct 12, 2026
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
7660 Saltsburg Rd, Pittsburgh, PA 15239
3 Month CD
$1,000
3.25% ▲ 1.45% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.80%▲ 1.45% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 12, 2026
County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10 Powhattan Ave, Essington, PA 19029
3 Month Certificate of Deposit
$0
3.25% ▲ 1.45% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.45% above avgNationally 2.10%
Details

Compounded Daily

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 12, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
232 Ennis Ln, Towanda, PA 18848
3-Month Share Certificate
$500
3.25% ▲ 1.45% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average1.80%▲ 1.45% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
3 Month IRA Certificate
$500
3.14% ▲ 1.34% above Pennsylvania avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.34% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
2.64%3.14%3.64%Oct 8, 2026: 3.14% APYOct 8, 2026Oct 12, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
143 N Main St, Elderton, PA 15736
3 Months - Tier account
$1,000
3.10% ▲ 1.30% above Pennsylvania avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.80%▲ 1.30% above avgNationally 2.10%
Details

Daily Balances of: $50,000.00-2,000,000.00

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 12, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
143 N Main St, Elderton, PA 15736
IRA - 3 Months - Tier account
$1,000
3.10% ▲ 1.30% above Pennsylvania avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.80%▲ 1.30% above avgNationally 2.10%
Details

Daily Balances of: $50,000.00-2,000,000.00

Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 11, 2026: 3.10% APYSep 11, 2026Oct 12, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
3 Month IRA Certificate
$1,000
3.05% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.25% above avgNationally 2.10%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 4, 2026: 3.05% APYSep 16, 2026Oct 12, 2026
  • Oct 4, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
901 Arch St, Philadelphia, PA 19107 2404
Jumbo Certificates - 3 month
$50,000
3.05% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.80%▲ 1.25% above avgNationally 2.10%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 12, 2026: 3.05% APYSep 16, 2026Oct 12, 2026
  • Oct 12, 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%
801 W Lancaster Ave, Bryn Mawr, PA 19010
Fixed Rate of Return - 3 Month
$2,500
3.00% ▲ 1.20% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.80%▲ 1.20% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 12, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
143 N Main St, Elderton, PA 15736
3 Months - Tier account
$1,000
3.00% ▲ 1.20% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.80%▲ 1.20% above avgNationally 2.10%
Details

Daily Balances of: $10,000.00-49,999.99

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 12, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
143 N Main St, Elderton, PA 15736
IRA - 3 Months - Tier account
$1,000
3.00% ▲ 1.20% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.80%▲ 1.20% above avgNationally 2.10%
Details

Daily Balances of: $10,000.00-49,999.99

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 12, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
143 N Main St, Elderton, PA 15736
3 Months - Tier account
$1,000
2.90% ▲ 1.10% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.80%▲ 1.10% above avgNationally 2.10%
Details

Daily Balances of: up to $9,999.99

Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 7, 2026: 2.90% APYOct 7, 2026Oct 12, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
143 N Main St, Elderton, PA 15736
IRA - 3 Months - Tier account
$1,000
2.90% ▲ 1.10% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.80%▲ 1.10% above avgNationally 2.10%
Details

Daily Balances of: up to $9,999.99

Rate History
No change since Sep 11, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 11, 2026: 2.90% APYSep 11, 2026Oct 12, 2026

Pennsylvania 6 Month CD Rates

MonitorBankRates Pennsylvania Average · 6 Month CD2.78% APY▼ 0.03% from last weekNational 2.79%
View 6-month CD rate trend

The average 6-month CD rate in Pennsylvania is 2.78% APY, compared with 2.79% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
203 N Main St, Port Allegany, PA 16743
Level 6 - 6 month term
$100,000
4.25% ▲ 1.47% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 1.47% above avgNationally 2.79%
Details

Balance: $100000.00 to open; $100000.00 to obtain disclosed APY

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 12, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
1700 Sullivan Trl, Easton, PA 18040
6 Month CD
$1,000
4.20% ▲ 1.42% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.78%▲ 1.42% above avgNationally 2.79%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
25 E High St, Waynesburg, PA 15370
6 Month Certificate
$0
4.14% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.78%▲ 1.36% above avgNationally 2.79%
Details

Early Withdrawal Penalty: 3 months interest

Rate History
No change since Sep 19, 2026 · 4.14% APY · checked 7 times
3.64%4.14%4.64%Sep 19, 2026: 4.14% APYSep 19, 2026Oct 12, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 6 Month CD
$0
4.13% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.78%▲ 1.35% above avgNationally 2.79%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 24, 2026: 4.02% APYOct 8, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.13%▲ from 4.02%
  • Sep 24, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
6 Month CD
$0
4.12% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.34% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 4.12% APY · checked 3 times
3.62%4.12%4.62%Oct 9, 2026: 4.12% APYOct 9, 2026Oct 12, 2026
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
322 Main St, Latrobe, PA 15650
6 Month Certificates of Deposit - Regular and IRAs
$10,000
4.10% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.06%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.78%▲ 1.32% above avgNationally 2.79%
Details

New Money

Rate History
No change since Oct 11, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 11, 2026: 4.10% APYOct 11, 2026Oct 12, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
501 Knowles Ave, Southampton, PA 18966
6 Month Certificate
$0
4.10% ▲ 1.32% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.78%▲ 1.32% above avgNationally 2.79%
Details

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 12, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
203 N Main St, Port Allegany, PA 16743
Level 6 - 6 month term
$100,000
4.10% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 1.32% above avgNationally 2.79%
Details

Balance: $100000.00 to open; $100000.00 to obtain disclosed APY

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
1 N Oak St, Mount Carmel, PA 17851
6 Month Certificate of Deposit
$0
4.05% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.78%▲ 1.27% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
6 Month Regular & IRA (Traditional & Roth) Certificate
$500
4.05% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.27% above avgNationally 2.79%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 6 months
$500
4.05% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.27% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 3.80% APYOct 4, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.05%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
MERCER COUNTY COMMUNITY
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
428 N Sharpsville Ave, Sharon, PA 16146 2120
6 MONTH CD
$500
4.04% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 1.26% above avgNationally 2.79%
Details

Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 30, 2026: 3.79% APYOct 1, 2026: 4.04% APYSep 30, 2026Oct 12, 2026
  • Oct 1, 20264.04%▲ from 3.79%
  • Sep 30, 20263.79%first recorded
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2141 Downyflake Ln, Allentown, PA 18103 4774
6 Month Business Share Certificate
$0
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2141 Downyflake Ln, Allentown, PA 18103 4774
6 Month Share & IRA Share Certificate
$0
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate - 6 Month
$10,000
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.92%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
40 E Market St, Wilkes Barre, PA 18711
6-Month Promo
$500
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

New money only

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
413 S Michael St, Saint Marys, PA 15857
6 month honors certificate
$500
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 12, 2026
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
821 Beaver Dr, DuBois, PA 15801
6-Month IRA Certificate
$1,000
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
821 Beaver Dr, DuBois, PA 15801
6-Month Share Certificate
$1,000
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1000 Fedex Dr, Moon Township, PA 15108 9373
6 Month Share Certificate
$0
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 12, 2026
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3720 Hamilton Blvd, Allentown, PA 18103
6 Month Share & IRA Certificate
$0
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
UFCW COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
377 Wyoming Ave, Wyoming, PA 18644
6 Month Share Certificate
$500
4.00% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 12, 2026
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA 15213
6 Month Certificate of Deposit (CD)
$500
3.99% ▲ 1.21% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.21% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 3.99% APY
3.49%3.99%4.49%Oct 8, 2026: 3.99% APYOct 8, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
6 Month Certificate of Deposit
$0
3.96% ▲ 1.18% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.78%▲ 1.18% above avgNationally 2.79%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 18, 2026: 3.80% APYOct 7, 2026: 3.96% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20263.96%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
1 N Oak St, Mount Carmel, PA 17851
6 Month Certificate
$1,000
3.95% ▲ 1.17% above Pennsylvania avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.78%▲ 1.17% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 24, 2026: 3.95% APYSep 24, 2026Oct 12, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
6 Month Certificate
$0
3.92% ▲ 1.14% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.14% above avgNationally 2.79%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 6 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
6 Month IRA Certificate
$0
3.92% ▲ 1.14% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.14% above avgNationally 2.79%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
6 Month Certificate of Deposit
$0
3.91% ▲ 1.13% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.78%▲ 1.13% above avgNationally 2.79%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75%
3.25%3.83%4.41%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20263.91%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1214 w broad st, bethlehem, PA 18018 4952
6 Month Certificate Special
$5,000
3.91% ▲ 1.13% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.78%▲ 1.13% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 12, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
6 Month Certificate
$250
3.90% ▲ 1.12% above Pennsylvania avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 12, 2026
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
710 3rd Ave, New Brighton, PA 15066 1830
6 Month Share Certificate
$0
3.90% ▲ 1.12% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 12, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
29 Main Street, Tremont, PA 17981
6 Month Certificate of Deposit
$0
3.85% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.78%▲ 1.07% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1901 Sanderson Ave, Scranton, PA 18509
Account 6 Month Pick Your Term
$5,000
3.85% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.78%▲ 1.07% above avgNationally 2.79%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 12, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
4710 State Route 54, Turbotville, PA 17772
6 Month Certificate
$5,000
3.85% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.78%▲ 1.07% above avgNationally 2.79%
Details

Balance: $5,000 & over

Rate History
1 change since Sep 20, 2026 · 3.90% → 3.85% ▼ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 20, 2026: 3.90% APYOct 8, 2026: 3.85% APYSep 20, 2026Oct 12, 2026
  • Oct 8, 20263.85%▼ from 3.90%
  • Sep 20, 20263.90%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
6 Month IRA Certificate
$0
3.85% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.07% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 8, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6010 Mountain View Dr, West Mifflin, PA 15122 2425
Share & IRA Certificates of Deposit - 6 Months
$0
3.82% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.78%▲ 1.04% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 12, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
6 Month Share Certificate
$0
3.81% ▲ 1.03% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.03% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.33%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.82% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4029 W Tilghman St, Allentown, PA 18104
6 Month CD Rate Comparison
$0
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 12, 2026
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
322 Main St, Latrobe, PA 15650
6 Month Certificates of Deposit - Regular and IRAs
$1,000
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

Rate History
No change since Oct 11, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 11, 2026: 3.80% APYOct 11, 2026Oct 12, 2026
WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9001 Perry Hwy, Pittsburgh, PA 15237
In Branch Specials - 6 Month CD
$5,000
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

In Branch Special; In Branch Only; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 12, 2026
Mon Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1932 Main Street, Allenport, PA 15412
6 Month Share Certificate
$0
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 12, 2026
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1235 Water St, East Greenville, PA 18041
6 Month Certificate
$0
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

Rates also apply to IRA and HSA Certificates of Deposit.

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11 Meridian Blvd, Wyomissing, PA 19610
6 Month IRA Certificate
$500
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
335 W Butler Ave, Chalfont, PA 18914
6-Month Certificate
$0
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1402 Bywood Ave, Upper Darby, PA 19082
Share Certificate - 6 Months
$500
3.80% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 1.02% above avgNationally 2.79%
Details

Rate History
No change since Oct 6, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 6, 2026: 3.80% APYOct 6, 2026Oct 12, 2026
I B E W LOCAL 56
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
962 W 20TH ST, Erie, PA 16502 2401
Share Certificates - 6 Month
$25,000
3.78% ▲ 1.00% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 1.00% above avgNationally 2.79%
Details

Pay at maturity into Regular Share Account

Rate History
1 change since Sep 14, 2026 · 3.63% → 3.78% ▲ 0.15 pts · high 3.78% / low 3.63%
3.13%3.70%4.28%Sep 14, 2026: 3.63% APYOct 10, 2026: 3.78% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.78%▲ from 3.63%
  • Sep 14, 20263.63%first recorded
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
6 months (180 Days) Jumbo CDs
$0
3.76% ▲ 0.98% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 0.98% above avgNationally 2.79%
Details

Jumbo CDs (Above $75,000)

Rate History
No change since Oct 1, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 1, 2026: 3.76% APYOct 1, 2026Oct 12, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
IRA Certificates of Deposit - 6 months (180 Days)
$0
3.76% ▲ 0.98% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.78%▲ 0.98% above avgNationally 2.79%
Details

Jumbo CDs (Above $75,000)

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.76% ▲ 0.05 pts · high 3.76% / low 3.71%
3.21%3.74%4.26%Sep 14, 2026: 3.71% APYOct 9, 2026: 3.76% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.76%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
I B E W LOCAL 56
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
962 W 20TH ST, Erie, PA 16502 2401
6 Month Certificate
$50,000
3.76% ▲ 0.98% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 0.98% above avgNationally 2.79%
Details

Balance: $50,000 min

Rate History
1 change since Sep 27, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 27, 2026: 3.66% APYOct 10, 2026: 3.76% APYSep 27, 2026Oct 12, 2026
  • Oct 10, 20263.76%▲ from 3.66%
  • Sep 27, 20263.66%first recorded
I B E W LOCAL 56
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
962 W 20TH ST, Erie, PA 16502 2401
Share Certificates - 6 Month
$50,000
3.76% ▲ 0.98% above Pennsylvania avg
View
▼
Rate3.71%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.78%▲ 0.98% above avgNationally 2.79%
Details

Pay at maturity into Regular Share Account

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 14, 2026: 3.66% APYOct 10, 2026: 3.76% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.76%▲ from 3.66%
  • Sep 14, 20263.66%first recorded

Pennsylvania 12 Month CD Rates

MonitorBankRates Pennsylvania Average · 12 Month CD2.96% APYUnchanged from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Pennsylvania is 2.96% APY, compared with 2.99% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
1 Year (12 Month) Adjustable CD
$5,000
4.44% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.37%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.48% above avgNationally 2.99%
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09%
3.59%4.27%4.94%Sep 19, 2026: 4.09% APYOct 7, 2026: 4.44% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.44%▲ from 4.09%
  • Sep 19, 20264.09%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA 19044 2109
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 12, 2026
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
25 E High St, Waynesburg, PA 15370
1 Year Certificate
$0
4.35% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.39% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 months interest

Rate History
No change since Sep 19, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 19, 2026: 4.35% APYSep 19, 2026Oct 12, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 1 Year CD
$0
4.33% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.37% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.13% APYOct 8, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.33%▲ from 4.13%
  • Sep 24, 20264.13%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1402 Bywood Ave, Upper Darby, PA 19082
Share Certificate - 12 Months
$50,000
4.30% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.34% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 12, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
531 Broad St, Sewickley, PA 15143
1 Year IRA Certificate
$500
4.28% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.32% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 4.07% → 4.28% ▲ 0.21 pts · high 4.28% / low 4.07%
3.57%4.18%4.78%Sep 19, 2026: 4.07% APYOct 7, 2026: 4.28% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.28%▲ from 4.07%
  • Sep 19, 20264.07%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
12 Month Certificate of Deposit
$0
4.27% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.31% above avgNationally 2.99%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.27% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.27%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
630 Delp Rd Ste C, LANCASTER, PA 17601 3077
SPECIAL: 12 months or more new money
$50,000
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

$50,000; New Money

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 12, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
12 Month IRA Certificate
$500
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Oct 4, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Oct 4, 2026: 3.50% APYOct 8, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.25%▲ from 3.50%
  • Oct 4, 20263.50%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% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 12, 2026: 3.85% APYOct 8, 2026: 4.25% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.25%▲ from 3.85%
  • Sep 12, 20263.85%first recorded
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
101 NORTHTOWNE SQ, GIBSONIA, PA 15044 9505
1 Year - Promo Certificate
$1,000
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
101 NORTHTOWNE SQ, GIBSONIA, PA 15044 9505
1-year CD
$1,000
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

For a limited time. Rate is also 4.25% as dividends are posted annually. Offer may end without notice. APY = Annual Percentage Yield.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1001 California Ave, Pittsburgh, PA 15290
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
12 Month Certificate of Deposit
$0
4.22% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.26% above avgNationally 2.99%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.22% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
920 Peach St, Erie, PA 16501
1 Year CD
$10,000
4.22% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.26% above avgNationally 2.99%
Details

To qualify for the promotional rate, customers must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms ("CD Ladder"). Kicker rate is valid for initial term only.

Rate History
1 change since Sep 30, 2026 · 4.11% → 4.22% ▲ 0.11 pts · high 4.22% / low 4.11%
3.61%4.17%4.72%Sep 30, 2026: 4.11% APYOct 10, 2026: 4.22% APYSep 30, 2026Oct 12, 2026
  • Oct 10, 20264.22%▲ from 4.11%
  • Sep 30, 20264.11%first recorded
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
531 Broad St, Sewickley, PA 15143
1 Year Certificate
$500
4.20% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.24% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 19, 2026: 4.00% APYOct 7, 2026: 4.20% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.20%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
12 Month Certificate (IRA Certificate)
$0
4.20% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.24% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 12, 2026
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1402 Bywood Ave, Upper Darby, PA 19082
Share Certificate - 12 Months
$25,000
4.20% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.24% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 6, 2026: 4.20% APYOct 6, 2026Oct 12, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
12 Month CD
$0
4.17% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.17% APY · checked 3 times
3.67%4.17%4.67%Oct 9, 2026: 4.17% APYOct 9, 2026Oct 12, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
501 Knowles Ave, Southampton, PA 18966
12 Month Certificate
$0
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 3, 2026: 4.15% APYOct 3, 2026Oct 12, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2141 Downyflake Ln, Allentown, PA 18103 4774
12 Month Business Share Certificate
$0
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 12, 2026: 4.15% APYSep 12, 2026Oct 12, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2141 Downyflake Ln, Allentown, PA 18103 4774
12 Month Share & IRA Share Certificate
$0
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
12 Month Regular & IRA (Traditional & Roth) Certificate
$500
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 12 months
$500
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 4, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Omega Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
206 Siebert Rd, Pittsburgh, PA 15237
12 Month Share Certificate
$0
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Contact Us for more details.

Rate History
No change since Oct 1, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 1, 2026: 4.15% APYOct 1, 2026Oct 12, 2026
Slovenian S&L of Canonsburg
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
130 Boone Ave, Strabane, PA 15363
12 Month Certificate
$1,000
4.14% ▲ 1.18% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.18% above avgNationally 2.99%
Details

Penalty for early withdrawal: 3 mos. interest loss whether earned or not

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.14% ▲ 0.14 pts · high 4.14% / low 4.00%
3.50%4.07%4.64%Sep 14, 2026: 4.00% APYOct 12, 2026: 4.14% APYSep 14, 2026Oct 12, 2026
  • Oct 12, 20264.14%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
4710 State Route 54, Turbotville, PA 17772
12 Month Certificate
$5,000
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Balance: $5,000 & over

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.10% APYSep 20, 2026Oct 12, 2026
  • Oct 8, 20264.10%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
12 Month IRA Certificate
$0
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.81% → 4.10% ▲ 0.29 pts · high 4.10% / low 3.81%
3.31%3.96%4.60%Sep 14, 2026: 3.81% APYSep 17, 2026: 3.91% APYSep 18, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.10%▲ from 3.91%
  • Sep 17, 20263.91%▲ from 3.81%
  • Sep 14, 20263.81%first recorded
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 400, Sidman, PA 15955 0400
Mini-Jumbo - 1 Year Certificate
$50,000
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYSep 18, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1402 Bywood Ave, Upper Darby, PA 19082
Share Certificate - 12 Months
$10,000
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1001 California Ave, Pittsburgh, PA 15290
1 Year Add-On Certificate
$0
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1001 California Ave, Pittsburgh, PA 15290
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
12 Month Certificate of Deposit
$0
4.06% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.10% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 7, 2026: 4.06% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA 15213
1 Year Certificate of Deposit (CD)
$500
4.06% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 8, 2026: 4.06% APYOct 8, 2026Oct 12, 2026
MERHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
15 Irene St, Johnstown, PA 15905 4124
12 Month Certificate
$500
4.06% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate - 1 Year
$10,000
4.05% ▲ 1.09% above Pennsylvania avg
View
▼
Rate3.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 12, 2026: 4.05% APYSep 12, 2026Oct 12, 2026
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
335 W Butler Ave, Chalfont, PA 18914
12-Month Certificate
$0
4.05% ▲ 1.09% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.09% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYSep 18, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA 19044 2109
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 12, 2026
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
5 W Main St, Canton, PA 17724
12 Month CD
$1,000
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Offer valid for personal and nonprofit clients only. There may be a penalty for early withdrawals. Fees may reduce earnings on accounts. All IRA certificates are subject to IRS tax regulations and penalties. Interest rates may change at any time, without prior notice, before an account is opened. Interest compounds quarterly and is credited quarterly. Effective as of January 2, 2026. Account balance may not exceed $1,000,000 with the exception of future interest payments.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
5 W Main St, Canton, PA 17724
NEW CD Special: 12 Month
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 12, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
4099 William Penn Hwy, Monroeville, PA 15146
12 month CD
$1,000
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
232 East St, Bloomsburg, PA 17815
12 month Certificate of Deposit
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
302 N East St, Coudersport, PA 16915
12-month CD
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Open online today.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
1 N Oak St, Mount Carmel, PA 17851
12 Month Certificate of Deposit
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
1 N Oak St, Mount Carmel, PA 17851
IRA 12 Month CD
$500
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
Bethlehem 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
2317 Easton Ave, Bethlehem, PA 18017 5009
Share Certificates - 12 month
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Penalty for early withdrawal: loss of dividends up to a maximum of 90 days

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 12, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
12 Month Traditional or Roth IRA Certificate
$500
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1410 Bywood Ave, Upper Darby, PA 19082
CD - 12 months
$500
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 16, 2026: 3.75% APYSep 25, 2026: 4.00% APYSep 16, 2026Oct 12, 2026
  • Sep 25, 20264.00%▲ from 3.75%
  • Sep 16, 20263.75%first recorded
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
710 3rd Ave, New Brighton, PA 15066 1830
12 Month Share Certificate
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
C-B-W Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 400, Sidman, PA 15955 0400
1 Year IRA Certificate
$500
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded

Pennsylvania 18 Month CD Rates

MonitorBankRates Pennsylvania Average · 18 Month CD2.98% APY▼ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Pennsylvania is 2.98% APY, compared with 2.87% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
18 Month IRA Certificates SEP
$0
4.50% ▲ 1.52% above Pennsylvania avg
View
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.52% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 12, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
18 Month IRA Certificates Traditional
$0
4.50% ▲ 1.52% above Pennsylvania avg
View
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.52% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 12, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
1700 Sullivan Trl, Easton, PA 18040
18 Month CD
$1,000
4.40% ▲ 1.42% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.42% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Month Certificate of Deposit
$0
4.37% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.39% above avgNationally 2.87%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.37%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
5 Hillman Dr, Chadds Ford, PA 19317
18 MONTH Certificate
$0
4.35% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.37% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
531 Broad St, Sewickley, PA 15143
18 Month IRA Certificate
$500
4.33% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.35% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.61% → 4.33% ▲ 0.72 pts · high 4.33% / low 3.61%
2.89%3.97%5.05%Sep 19, 2026: 3.61% APYOct 7, 2026: 4.33% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.33%▲ from 3.61%
  • Sep 19, 20263.61%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Month Certificate of Deposit
$0
4.32% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.34% above avgNationally 2.87%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.32%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
18 Month IRA Certificate
$500
4.30% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.32% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 12, 2026
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% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.32% above avgNationally 2.87%
Details

Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
First Keystone Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
111 W Front St, Berwick, PA 18603
18 Month Certificate
$1,000
4.25% ▲ 1.27% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.27% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
232 East St, Bloomsburg, PA 17815
18 month Certificate of Deposit
$0
4.25% ▲ 1.27% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.27% above avgNationally 2.87%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
531 Broad St, Sewickley, PA 15143
18 Month Certificate
$500
4.25% ▲ 1.27% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.27% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55%
2.85%3.90%4.95%Sep 19, 2026: 3.55% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.25%▲ from 3.55%
  • Sep 19, 20263.55%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
18 Month Regular & IRA (Traditional & Roth) Certificate
$500
4.25% ▲ 1.27% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.27% above avgNationally 2.87%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 18 months
$500
4.25% ▲ 1.27% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.27% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
199 N Main St, Athens, PA 18810 1707
18 Month Certificate
$1,000
4.22% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.24% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60%
2.98%3.91%4.84%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.22% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.22%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
199 N Main St, Athens, PA 18810 1707
IRA Share Certificate - 18 Month
$1,000
4.22% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.24% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.22% ▲ 0.47 pts · high 4.22% / low 3.75%
3.25%3.99%4.72%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.22% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.22%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
18 Month CD
$0
4.22% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 9, 2026: 4.22% APYOct 9, 2026Oct 12, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
4710 State Route 54, Turbotville, PA 17772
18 Month Certificate
$5,000
4.20% ▲ 1.22% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.98%▲ 1.22% above avgNationally 2.87%
Details

Balance: $5,000 & over

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.20% APYSep 20, 2026Oct 12, 2026
  • Oct 8, 20264.20%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
18 Month Certificate (Legacy Club)
$0
4.20% ▲ 1.22% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.22% above avgNationally 2.87%
Details

Legacy Club

Rate History
No change since Oct 8, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Month Certificate of Deposit
$0
4.16% ▲ 1.18% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.18% above avgNationally 2.87%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
3.51%4.09%4.66%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.16% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.16%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
18 Month IRA Certificate
$0
4.10% ▲ 1.12% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.12% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.81% → 4.10% ▲ 0.29 pts · high 4.10% / low 3.81%
3.31%3.96%4.60%Sep 14, 2026: 3.81% APYOct 8, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.10%▲ from 3.81%
  • Sep 14, 20263.81%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
$0
4.08% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.10% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
18 Month IRA Certificate
$0
4.08% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.10% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 12, 2026
Citizens Savings Bank Clarks Summit, PA
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
500 S State St, Clarks Summit, PA 18411
12, 15, or 18-Month CDs
$0
4.07% ▲ 1.09% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.98%▲ 1.09% above avgNationally 2.87%
Details

APY is effective as of the date shown. Rates may change after account opening. Contact institution for details.

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 12, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4029 W Tilghman St, Allentown, PA 18104
18 Month CD
$0
4.05% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.07% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 12, 2026
The Honesdale National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
733 Main St, Honesdale, PA 18431
18 Month CD
$1,000
4.01% ▲ 1.03% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.03% above avgNationally 2.87%
Details

Upon maturity, CDs will automatically renew into the closest preceding term unless other instructions are provided. Early withdrawal penalties may apply. Fees could reduce earnings. This offer is not available for brokered deposits or for non-customers outside our market area.

Rate History
No change since Sep 27, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Sep 27, 2026: 4.01% APYSep 27, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
18 Month Jumbo and Jumbo IRA Certificate
$100,000
4.01% ▲ 1.03% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.98%▲ 1.03% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
24 E Main St, Schuylkill Haven, PA 17972
18-Month CD
$500
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Rates are 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.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1901 Sanderson Ave, Scranton, PA 18509
Account 18 Month Pick Your Term
$5,000
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
The Honesdale National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
733 Main St, Honesdale, PA 18431
18 Month CD Special
$0
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Published APY range: 4.00% - 4.01%.

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 12, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
18 Months - 24 Months CD
$500
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 19, 2026: 3.65% APYOct 3, 2026: 4.00% APYSep 19, 2026Oct 12, 2026
  • Oct 3, 20264.00%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
221 S York Rd, Hatboro, PA 19040
18 Month CD
$1,000
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 12, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
4710 State Route 54, Turbotville, PA 17772
18 Month Certificate
$500
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Balance: $500 - $5,000

Rate History
1 change since Sep 20, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 20, 2026: 3.80% APYOct 8, 2026: 4.00% APYSep 20, 2026Oct 12, 2026
  • Oct 8, 20264.00%▲ from 3.80%
  • Sep 20, 20263.80%first recorded
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate - 18 Month
$10,000
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.92%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 12, 2026
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1601 Cherry St, Phila, PA 19102 1320
18-month Flex Certificate
$0
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • 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%
1601 Cherry St, Phila, PA 19102 1320
18-month IRA Growth Certificate
$0
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
101 N 13th ST, Franklin, PA 16323 2343
Share Certificate - 18 Month
$500
4.00% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 1.02% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
18 Month IRA Certificate
$500
3.96% ▲ 0.98% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.98%▲ 0.98% above avgNationally 2.87%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 18, 2026: 3.96% APYSep 18, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
18 Month Term Certificate
$500
3.96% ▲ 0.98% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.98%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 12, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
501 Knowles Ave, Southampton, PA 18966
18 Month Certificate
$0
3.95% ▲ 0.97% above Pennsylvania avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.98%▲ 0.97% above avgNationally 2.87%
Details

Rate History
No change since Oct 3, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 3, 2026: 3.95% APYOct 3, 2026Oct 12, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
18 months Jumbo CDs
$0
3.92% ▲ 0.94% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 0.94% above avgNationally 2.87%
Details

Jumbo CDs (Above $75,000)

Rate History
1 change since Oct 1, 2026 · 3.61% → 3.92% ▲ 0.31 pts · high 3.92% / low 3.61%
3.11%3.76%4.42%Oct 1, 2026: 3.61% APYOct 9, 2026: 3.92% APYOct 1, 2026Oct 12, 2026
  • Oct 9, 20263.92%▲ from 3.61%
  • Oct 1, 20263.61%first recorded
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
IRA Certificates of Deposit - 18 months
$0
3.92% ▲ 0.94% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 0.94% above avgNationally 2.87%
Details

Jumbo CDs (Above $75,000)

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56%
3.06%3.74%4.42%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.92%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
18 Month Share Certificate
$0
3.92% ▲ 0.94% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 0.94% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.92% ▲ 0.52 pts · high 3.92% / low 3.40%
2.89%3.66%4.44%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.92%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
191 Chad Rd, Muncy, PA 17756 8146
Share Certificate - 18 months
$500
3.91% ▲ 0.93% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.98%▲ 0.93% above avgNationally 2.87%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 90 Days; Junior Share Certificate minimum $250.00 (members 18 and under)

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 12, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
18 Month Certificate
$500
3.90% ▲ 0.92% above Pennsylvania avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.98%▲ 0.92% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 12, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
18 months Regular CDs
$0
3.87% ▲ 0.89% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 0.89% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
3.06%3.72%4.37%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.87% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
60 Westwood Rd, Pottsville, PA 17901 1834
IRA Certificates of Deposit - 18 months
$0
3.87% ▲ 0.89% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.98%▲ 0.89% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
3.06%3.72%4.37%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.87% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
213 Market St, Harrisburg, PA 17101
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.87% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 0.87% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 12, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
213 Market St, Harrisburg, PA 17101
18-Month M&T Select CD
$0
3.85% ▲ 0.87% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 0.87% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
18 Month Certificate of Deposit
$0
3.85% ▲ 0.87% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.98%▲ 0.87% above avgNationally 2.87%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded

Pennsylvania 24 Month CD Rates

MonitorBankRates Pennsylvania Average · 24 Month CD2.87% APY▼ 0.02% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Pennsylvania is 2.87% APY, compared with 2.88% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
2 Year (24 Month) Adjustable CD
$5,000
4.73% ▲ 1.86% above Pennsylvania avg
View
▼
Rate4.65%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.86% above avgNationally 2.88%
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
3.79%4.51%5.23%Sep 19, 2026: 4.29% APYOct 7, 2026: 4.73% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.73%▲ from 4.29%
  • Sep 19, 20264.29%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Month Certificate of Deposit
$0
4.42% ▲ 1.55% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.55% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 2 Year CD
$0
4.39% ▲ 1.52% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.52% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.13% → 4.39% ▲ 0.26 pts · high 4.39% / low 4.13%
3.63%4.26%4.89%Sep 14, 2026: 4.13% APYSep 24, 2026: 4.18% APYOct 8, 2026: 4.39% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.39%▲ from 4.18%
  • Sep 24, 20264.18%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Month Certificate of Deposit
$0
4.37% ▲ 1.50% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.50% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
24 Month IRA Certificate
$500
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Oct 4, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Oct 4, 2026: 4.20% APYOct 8, 2026: 4.30% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.30%▲ from 4.20%
  • Oct 4, 20264.20%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% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.43% 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%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
24 Month Share Certificate
$0
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Balance: $250,000.01+

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 12, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
5 Hillman Dr, Chadds Ford, PA 19317
24 MONTH Certificate
$0
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.30% ▲ 0.70 pts · high 4.30% / low 3.60%
2.90%3.95%5.00%Sep 14, 2026: 3.60% APYOct 5, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.30%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
24 Month CD
$0
4.28% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.28% APY · checked 3 times
3.78%4.28%4.78%Oct 9, 2026: 4.28% APYOct 9, 2026Oct 12, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
24 Month Business Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
24 Month IRA Share Certificate
$500
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

APY listed paid on $500 minimum balance.

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
24 Month Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
24-Month Share & IRA Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 12, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 24 Month
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 12, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
4099 William Penn Hwy, Monroeville, PA 15146
24-month CD
$1,000
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
24 Month Regular & IRA (Traditional & Roth) Certificate
$500
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 24 months
$500
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
24 Month Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Balance: $100,000-$250,000

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
24 Month Certificate of Deposit
$0
4.22% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.35% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.22% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
24 Month Jumbo IRA Certificate
$100,000
4.21% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.34% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.21% APY · checked 2 times
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 12, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
24 Month Jumbo Share Certificate
$100,000
4.21% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.34% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.21% APY · checked 2 times
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 12, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
24 Month IRA Certificate
$500
4.20% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 4, 2026: 4.20% APYOct 4, 2026Oct 12, 2026
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% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 12, 2026: 3.80% APYOct 8, 2026: 4.20% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.20%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
24 Month Share Certificate
$0
4.20% ▲ 1.33% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.33% above avgNationally 2.88%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 12, 2026
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1313 Liberty St, Franklin, PA 16323
24 Month SPECIAL Share Certificate
$1,000
4.19% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.32% above avgNationally 2.88%
Details

See footnote **

Rate History
No change since Oct 12, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 12, 2026: 4.19% APYOct 12, 2026Oct 12, 2026
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
550 Main St, Brockway, PA 15824
24 Month IRA Share Certificates
$500
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Dividend Period: Account's Term; Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
2.85%3.83%4.80%Sep 14, 2026: 3.50% APYSep 21, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 21, 20264.15%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Spirit Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
8535 New Falls Rd, Levittown, PA 19054 1601
2 Year Share Certificate / IRA Certificate
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
101 N 13th ST, Franklin, PA 16323 2343
IRA Share Certificate - 24 Month
$500
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
101 N 13th ST, Franklin, PA 16323 2343
Share Certificate - 24 Month
$500
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Jumbo Certificate
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
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%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYSep 22, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • 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%
335 Commerce Dr, Fort Washington, PA 19034 2701
Business 24-month Jumbo Certificate
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Oct 9, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 12, 2026
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
335 W Butler Ave, Chalfont, PA 18914
Jumbo Certificate 24-Month
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 6, 2026: 4.15% APYOct 6, 2026Oct 12, 2026
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
920 Peach St, Erie, PA 16501
2 Year CD
$10,000
4.11% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.87%▲ 1.24% above avgNationally 2.88%
Details

To qualify for the promotional rate, customers must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms ("CD Ladder"). Kicker rate is valid for initial term only.

Rate History
No change since Sep 30, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 30, 2026: 4.11% APYSep 30, 2026Oct 12, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
24 Month IRA Certificate
$500
4.11% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Sep 25, 2026: 4.11% APYSep 25, 2026Oct 12, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
700 REGIS AVE, PITTSBURGH, PA 15236 1425
24 Month Share Certificate
$500
4.11% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Sep 25, 2026: 4.11% APYSep 25, 2026Oct 12, 2026
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA 15213
2 Year Certificate of Deposit (CD)
$1,000
4.11% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 8, 2026: 4.11% APYOct 8, 2026Oct 12, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
24 Month IRA Certificate
$0
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 8, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1 CREDIT UNION WAY, GROVE CITY, PA 16127
24 Month Share Certificate - SPECIAL
$0
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 12, 2026: 4.00% APYOct 4, 2026: 4.10% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.10%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
24 Month Share Certificate
$0
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 12, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Bump-Up Certificate
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • 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%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Bump-Up IRA
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • 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%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Certificate
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • 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%
335 Commerce Dr, Fort Washington, PA 19034 2701
24-month Fixed-Rate IRA Only
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • 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%
335 Commerce Dr, Fort Washington, PA 19034 2701
Business 24-month Bump-Up Certificate
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 12, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
Business 24-month Bump-Up IRA
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 12, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
Business 24-month Certificate
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 12, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
Business 24-month Fixed-Rate IRA Only
$500
4.10% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 12, 2026
Community Connect Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1050 E Spring St, Titusville, PA 16354 7826
24 Months Share Certificate
$0
4.08% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
24 Month Certificate
$0
4.08% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.21% above avgNationally 2.88%
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%
3.11%3.84%4.58%Sep 14, 2026: 3.61% APYSep 20, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
  • Sep 20, 20264.08%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
24 Month IRA Certificate
$0
4.08% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.87%▲ 1.21% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 12, 2026

Pennsylvania 36 Month CD Rates

MonitorBankRates Pennsylvania Average · 36 Month CD2.75% APY▼ 0.02% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Pennsylvania is 2.75% APY, compared with 2.81% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
3 Year Adjustable CD
$1,000
4.81% ▲ 2.06% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 2.06% above avgNationally 2.81%
Details

See details. Not available for purchase effective June 7, 2022.

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 12, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4th Street And Lafayette Avenue, Palmerton, PA 18071
3 Year Adjustable IRA
$1,000
4.81% ▲ 2.06% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 2.06% above avgNationally 2.81%
Details

See details. Not available for purchase effective June 7, 2022.

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 12, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
4.52% ▲ 1.77% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.77% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month IRA CD
$0
4.52% ▲ 1.77% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.77% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
36 Month Share Certificate
$0
4.50% ▲ 1.75% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.75% above avgNationally 2.81%
Details

Balance: $250,000.01+

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
4.47% ▲ 1.72% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.72% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.47% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month IRA CD
$0
4.47% ▲ 1.72% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.72% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.47% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
36 Month Share Certificate
$0
4.45% ▲ 1.70% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.70% above avgNationally 2.81%
Details

Balance: $100,000-$250,000

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 12, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 3 Year CD
$0
4.44% ▲ 1.69% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.69% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.23% APYOct 8, 2026: 4.44% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.44%▲ from 4.23%
  • Sep 24, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
36 Month Share Certificate
$0
4.40% ▲ 1.65% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.65% above avgNationally 2.81%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
4.32% ▲ 1.57% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.57% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month IRA CD
$0
4.32% ▲ 1.57% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.57% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 2, 2026: 4.32% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
36 Month Share Certificate
$0
4.30% ▲ 1.55% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.55% above avgNationally 2.81%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 12, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
36 Month Traditional IRA Share Certificate
$0
4.28% ▲ 1.53% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.53% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.93%3.95%4.96%Sep 14, 2026: 3.61% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
36 Month Share Certificate
$0
4.18% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.43% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 4.18% ▲ 0.67 pts · high 4.18% / low 3.51%
2.83%3.84%4.85%Sep 14, 2026: 3.51% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA 15213
3 Year Certificate of Deposit (CD)
$1,000
4.16% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.41% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 8, 2026: 4.16% APYOct 8, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA 19044 2109
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.40% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.40% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 12, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1001 California Ave, Pittsburgh, PA 15290
3 Years Add-On Certificate
$0
4.15% ▲ 1.40% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.40% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
3 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.38% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA 19044 2109
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.35% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 12, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
36 Month Traditional or Roth IRA Certificate
$2,000
4.10% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 12, 2026
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1 CREDIT UNION WAY, GROVE CITY, PA 16127
36 Month Share Certificate - SPECIAL
$0
4.10% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 12, 2026: 4.00% APYOct 4, 2026: 4.10% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.10%▲ 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
36 Month IRA Certificate
$1,000
4.10% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 12, 2026
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
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 12, 2026: 3.95% APYOct 8, 2026: 4.10% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.10%▲ from 3.95%
  • Sep 12, 20263.95%first recorded
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4139 E State St, Hermitage, PA 16148 3402
36 Month Certificate
$0
4.10% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
3 Year IRA Certificate
$500
4.08% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.33% above avgNationally 2.81%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 18, 2026: 4.01% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.08%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
3 Year Term Certificate
$500
4.08% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.33% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 14, 2026: 4.01% APYOct 1, 2026: 4.06% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.08%▲ from 4.06%
  • Oct 1, 20264.06%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
36 Month IRA Certificate
$500
4.07% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
4.01% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.26% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 7, 2026: 4.01% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month IRA CD
$0
4.01% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.26% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.01% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
191 Chad Rd, Muncy, PA 17756 8146
Share Certificate - 36 months
$500
4.01% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.26% above avgNationally 2.81%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Junior Share Certificate minimum $250.00 (members 18 and under)

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 12, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
36 Month IRA Certificate
$0
4.01% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.26% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.81% → 4.01% ▲ 0.20 pts · high 4.01% / low 3.81%
3.31%3.91%4.51%Sep 14, 2026: 3.81% APYOct 8, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.01%▲ from 3.81%
  • Sep 14, 20263.81%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
232 East St, Bloomsburg, PA 17815
36 month Certificate of Deposit
$0
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.81%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
221 S York Rd, Hatboro, PA 19040
3 Year CD
$1,000
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
36 Month Regular & IRA (Traditional & Roth) Certificate
$500
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.81%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 36 months
$500
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
36 Month Certificates
$0
3.92% ▲ 1.17% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.17% above avgNationally 2.81%
Details

Balance: $75,000 and over

Rate History
No change since Sep 25, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 25, 2026: 3.92% APYSep 25, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
36 Month Certificates
$0
3.87% ▲ 1.12% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.12% above avgNationally 2.81%
Details

Balance: $50,000 - $74,999.99

Rate History
No change since Sep 25, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 25, 2026: 3.87% APYSep 25, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
36 Month Minimum Deposit Certificate
$125,000
3.87% ▲ 1.12% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 6, 2026: 3.87% APYOct 6, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
36 Month Minimum Deposit Share Certificate
$1,000
3.87% ▲ 1.12% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 6, 2026: 3.87% APYOct 6, 2026Oct 12, 2026
I B E W LOCAL 56
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
962 W 20TH ST, Erie, PA 16502 2401
36 Month Certificate
$50,000
3.86% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.11% above avgNationally 2.81%
Details

Balance: $50,000 min

Rate History
1 change since Sep 27, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 27, 2026: 3.76% APYOct 10, 2026: 3.86% APYSep 27, 2026Oct 12, 2026
  • Oct 10, 20263.86%▲ from 3.76%
  • Sep 27, 20263.76%first recorded
I B E W LOCAL 56
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
962 W 20TH ST, Erie, PA 16502 2401
Share Certificates - 36 Month
$50,000
3.86% ▲ 1.11% above Pennsylvania avg
View
▼
Rate3.81%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.11% above avgNationally 2.81%
Details

Pay monthly into Regular Share Account

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYOct 10, 2026: 3.86% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.86%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month Certificate of Deposit
$0
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYOct 7, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
36 Month IRA CD
$0
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
4255 E Main St, Belleville, PA 17004
36 Month Certificate
$0
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
920 Peach St, Erie, PA 16501
3 Year CD
$10,000
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.81%
Details

To qualify for the promotional rate, customers must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms ("CD Ladder"). Kicker rate is valid for initial term only.

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 12, 2026
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1601 Cherry St, Phila, PA 19102 1320
36-month Certificate/IRA
$0
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
I B E W LOCAL 56
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
962 W 20TH ST, Erie, PA 16502 2401
Share Certificates - 36 Month
$25,000
3.83% ▲ 1.08% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.08% above avgNationally 2.81%
Details

Pay monthly into Regular Share Account

Rate History
1 change since Sep 14, 2026 · 3.73% → 3.83% ▲ 0.10 pts · high 3.83% / low 3.73%
3.23%3.78%4.33%Sep 14, 2026: 3.73% APYOct 10, 2026: 3.83% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.83%▲ from 3.73%
  • Sep 14, 20263.73%first recorded
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1313 Liberty St, Franklin, PA 16323
25 - 36 Mos. Share Certificate
$500
3.82% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.07% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
36 Month Certificates
$0
3.82% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.07% above avgNationally 2.81%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 12, 2026

Pennsylvania 48 Month CD Rates

MonitorBankRates Pennsylvania Average · 48 Month CD2.65% APYUnchanged from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in Pennsylvania is 2.65% APY, compared with 2.81% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate
$0
4.60% ▲ 1.95% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.95% above avgNationally 2.81%
Details

Balance: $250,000.01+

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
4.58% ▲ 1.93% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.93% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month IRA CD
$0
4.58% ▲ 1.93% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.93% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate
$0
4.55% ▲ 1.90% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.90% above avgNationally 2.81%
Details

Balance: $100,000-$250,000

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
4.52% ▲ 1.87% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.87% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month IRA CD
$0
4.52% ▲ 1.87% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.87% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate
$0
4.50% ▲ 1.85% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.85% above avgNationally 2.81%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 12, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 4 Year CD
$0
4.49% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.65%▲ 1.84% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
3.73%4.36%4.99%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.28% APYOct 8, 2026: 4.49% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.49%▲ from 4.28%
  • Sep 24, 20264.28%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate
$0
4.40% ▲ 1.75% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.75% above avgNationally 2.81%
Details

Balance: $1,000-$9,999

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 12, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
48 Month Traditional IRA Share Certificate
$0
4.39% ▲ 1.74% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.39% ▲ 0.73 pts · high 4.39% / low 3.66%
2.93%4.02%5.11%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.39% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.39%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
4.37% ▲ 1.72% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.72% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month IRA CD
$0
4.37% ▲ 1.72% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.72% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 2, 2026: 4.37% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
48 Month Share Certificate
$0
4.28% ▲ 1.63% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.63% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
2.83%3.92%5.01%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.28%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA 15213
4 Year Certificate of Deposit (CD)
$2,000
4.21% ▲ 1.56% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.21% APY
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 12, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
48 Month IRA Certificate
$1,000
4.15% ▲ 1.50% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.50% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 12, 2026
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
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 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%
3.50%4.08%4.65%Sep 12, 2026: 4.00% APYOct 8, 2026: 4.15% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.15%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
4 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
3 - 4 Year CD
$500
4.10% ▲ 1.45% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 12, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
935 5th Ave, Ford City, PA 16226
3 - 4 Year Certificates of Deposit
$500
4.10% ▲ 1.45% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.45% above avgNationally 2.81%
Details

Bump-Up: 1

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 24, 2026Oct 12, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
4 Year IRA Certificate
$500
4.08% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.43% above avgNationally 2.81%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
3.54%4.06%4.58%Sep 18, 2026: 4.04% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.08%▲ from 4.04%
  • Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
4 Year Term Certificate
$500
4.08% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.43% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
3.54%4.06%4.59%Sep 14, 2026: 4.04% APYOct 1, 2026: 4.09% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.08%▼ from 4.09%
  • Oct 1, 20264.09%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
48 Month IRA Certificate
$500
4.07% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.65%▲ 1.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
4.06% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.41% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 7, 2026: 4.06% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month IRA CD
$0
4.06% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.41% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
191 Chad Rd, Muncy, PA 17756 8146
Share Certificate - 48 months
$500
4.06% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.65%▲ 1.41% above avgNationally 2.81%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Junior Share Certificate minimum $250.00 (members 18 and under)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 12, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
48 Month IRA Certificate
$0
4.01% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.81% → 4.01% ▲ 0.20 pts · high 4.01% / low 3.81%
3.31%3.91%4.51%Sep 14, 2026: 3.81% APYOct 8, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.01%▲ from 3.81%
  • Sep 14, 20263.81%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
232 East St, Bloomsburg, PA 17815
48 month Certificate of Deposit
$0
4.00% ▲ 1.35% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.35% above avgNationally 2.81%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
221 S York Rd, Hatboro, PA 19040
4 Year CD
$1,000
4.00% ▲ 1.35% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.65%▲ 1.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
48 Month Regular & IRA (Traditional & Roth) Certificate
$500
4.00% ▲ 1.35% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.35% above avgNationally 2.81%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 48 months
$500
4.00% ▲ 1.35% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.35% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
48 Month Certificates
$0
3.98% ▲ 1.33% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.33% above avgNationally 2.81%
Details

Balance: $75,000 and over

Rate History
No change since Sep 25, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 25, 2026: 3.98% APYSep 25, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
48 Month Certificates
$0
3.92% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.27% above avgNationally 2.81%
Details

Balance: $50,000 - $74,999.99

Rate History
No change since Sep 25, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 25, 2026: 3.92% APYSep 25, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
48 Month Minimum Deposit Certificate
$125,000
3.92% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 6, 2026: 3.92% APYOct 6, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
48 Month Minimum Deposit Share Certificate
$1,000
3.92% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 6, 2026: 3.92% APYOct 6, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month Certificate of Deposit
$0
3.91% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.26% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
48 Month IRA CD
$0
3.91% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.65%▲ 1.26% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.91% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1313 Liberty St, Franklin, PA 16323
37 - 48 Mos. Share Certificate
$500
3.87% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.65%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
48 Month Certificates
$0
3.87% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.22% above avgNationally 2.81%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 25, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 25, 2026: 3.87% APYSep 25, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
48 Month Minimum Deposit Certificate
$1,000
3.87% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 6, 2026: 3.87% APYOct 6, 2026Oct 12, 2026
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
920 Peach St, Erie, PA 16501
4 Year CD
$10,000
3.85% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.20% above avgNationally 2.81%
Details

To qualify for the promotional rate, customers must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms ("CD Ladder"). Kicker rate is valid for initial term only.

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 12, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA 16901
48 Month Certificate
$0
3.85% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.65%▲ 1.20% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.85% ▲ 0.24 pts · high 3.85% / low 3.61%
3.11%3.73%4.35%Sep 14, 2026: 3.61% APYSep 25, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.85%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2744 Century Blvd, Wyomissing, PA 19610
48 Month Certificates
$0
3.85% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.20% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Oct 12, 2026
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1601 Cherry St, Phila, PA 19102 1320
48-month Certificate/IRA
$0
3.85% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.20% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11 Meridian Blvd, Wyomissing, PA 19610
48 Month IRA Certificate
$500
3.85% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.65%▲ 1.20% above avgNationally 2.81%
Details

APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
48 Month CD
$0
3.81% ▲ 1.16% above Pennsylvania avg
View
▼
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
3.31%3.81%4.31%Oct 9, 2026: 3.81% APYOct 9, 2026Oct 12, 2026
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1600 Medical Dr, Pottstown, PA 19464 3242
48 Month Jumbo Certificate
$0
3.81% ▲ 1.16% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Pennsylvania Average2.65%▲ 1.16% above avgNationally 2.81%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 5 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 12, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
335 Commerce Dr, Fort Washington, PA 19034 2701
48-month Jumbo Certificate
$0
3.80% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYSep 22, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • 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%
335 Commerce Dr, Fort Washington, PA 19034 2701
Business 48-month Jumbo Certificate
$0
3.80% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 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
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 12, 2026
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1600 Medical Dr, Pottstown, PA 19464 3242
48 Month Regular Certificate
$0
3.76% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Pennsylvania Average2.65%▲ 1.11% above avgNationally 2.81%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
48 Month Share Certificate
$1,000
3.76% ▲ 1.11% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.65%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 12, 2026

Pennsylvania 60 Month CD Rates

MonitorBankRates Pennsylvania Average · 60 Month CD2.75% APYUnchanged from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Pennsylvania is 2.75% APY, compared with 2.90% nationally, as of October 12, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.81% ▲ 2.06% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 2.06% above avgNationally 2.90%
Details

Balance: $200,000 and over

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.81% ▲ 0.44 pts · high 4.81% / low 4.37%
3.87%4.59%5.31%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.81% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.81%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.66% ▲ 1.91% above Pennsylvania avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.91% above avgNationally 2.90%
Details

Balance: $125,000 - $199,999

Rate History
1 change since Sep 14, 2026 · 4.22% → 4.66% ▲ 0.44 pts · high 4.66% / low 4.22%
3.72%4.44%5.16%Sep 14, 2026: 4.22% APYOct 9, 2026: 4.66% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.66%▲ from 4.22%
  • Sep 14, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificate of Deposit
$0
4.63% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.88% above avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 7, 2026: 4.63% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month IRA CD
$0
4.63% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.88% above avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 2, 2026: 4.63% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4091 Mount Royal Blvd, Allison Park, PA 15101
Business 5 Year CD
$0
4.59% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.84% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 4.28% → 4.59% ▲ 0.31 pts · high 4.59% / low 4.28%
3.78%4.44%5.09%Sep 14, 2026: 4.28% APYSep 24, 2026: 4.33% APYOct 8, 2026: 4.59% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.59%▲ from 4.33%
  • Sep 24, 20264.33%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificate of Deposit
$0
4.58% ▲ 1.83% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.83% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month IRA CD
$0
4.58% ▲ 1.83% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.83% above avgNationally 2.90%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.56% ▲ 1.81% above Pennsylvania avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.81% above avgNationally 2.90%
Details

Balance: $75,000 - $124,999

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.56% ▲ 0.45 pts · high 4.56% / low 4.11%
3.61%4.34%5.06%Sep 14, 2026: 4.11% APYOct 9, 2026: 4.56% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.56%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.45% ▲ 1.70% above Pennsylvania avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.70% above avgNationally 2.90%
Details

Balance: $25,000 - $74,999

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.45% ▲ 0.44 pts · high 4.45% / low 4.01%
3.51%4.23%4.95%Sep 14, 2026: 4.01% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.45%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
60 Month Traditional IRA Share Certificate
$0
4.44% ▲ 1.69% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.44% ▲ 0.78 pts · high 4.44% / low 3.66%
2.88%4.05%5.22%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.44% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.44%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificate of Deposit
$0
4.42% ▲ 1.67% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.67% above avgNationally 2.90%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month IRA CD
$0
4.42% ▲ 1.67% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.67% above avgNationally 2.90%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.42% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
1129 State St, Erie, PA 16501 1911
60 month Certificate
$0
4.40% ▲ 1.65% above Pennsylvania avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.65% above avgNationally 2.90%
Details

Balance: $1,000 - $24,999

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.40% ▲ 0.44 pts · high 4.40% / low 3.96%
3.46%4.18%4.90%Sep 14, 2026: 3.96% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.40%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
60 Month Share Certificate
$0
4.33% ▲ 1.58% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.58% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.33% ▲ 0.78 pts · high 4.33% / low 3.56%
2.78%3.95%5.11%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.33% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.33%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
4415 5th Ave, Pittsburgh, PA 15213
5 Year Certificate of Deposit (CD)
$2,000
4.26% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.51% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.26% APY
3.76%4.26%4.76%Oct 8, 2026: 4.26% APYOct 8, 2026Oct 12, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
300 Spring Garden St, Philadelphia, PA 19123
60 Month Traditional or Roth IRA Certificate
$2,500
4.25% ▲ 1.50% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.50% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
2800 W Passyunk Ave, Philadelphia, PA 19145 5206
60 Month IRA Certificate
$1,000
4.20% ▲ 1.45% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.45% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 12, 2026
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% ▲ 1.45% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.45% above avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 12, 2026: 4.05% APYOct 8, 2026: 4.20% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.20%▲ from 4.05%
  • Sep 12, 20264.05%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificate of Deposit
$0
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.90%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 7, 2026: 4.11% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month IRA CD
$0
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.90%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 2, 2026: 4.11% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
191 Chad Rd, Muncy, PA 17756 8146
Share Certificate - 60 months
$500
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.90%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Junior Share Certificate minimum $250.00 (members 18 and under)

Rate History
No change since Oct 12, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 12, 2026: 4.11% APYOct 12, 2026Oct 12, 2026
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1402 Bywood Ave, Upper Darby, PA 19082
Share Certificate - 60 Months
$500
4.10% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
5 Year Jumbo and Jumbo IRA Certificate
$100,000
4.09% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.34% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
7500 Lindbergh Blvd, Philadelphia, PA 19176
60 Month IRA Certificate
$500
4.07% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.32% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
5 Year IRA Certificate
$500
4.04% ▲ 1.29% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.29% above avgNationally 2.90%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 18, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1510 Dekalb Pike, Blue Bell, PA 19422
5 Year Term Certificate
$500
4.04% ▲ 1.29% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.29% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 14, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
60 Month IRA Certificate
$0
4.01% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.26% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.81% → 4.01% ▲ 0.20 pts · high 4.01% / low 3.81%
3.31%3.91%4.51%Sep 14, 2026: 3.81% APYOct 8, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
  • Oct 8, 20264.01%▲ from 3.81%
  • Sep 14, 20263.81%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
232 East St, Bloomsburg, PA 17815
60 month Certificate of Deposit
$0
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.90%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
221 S York Rd, Hatboro, PA 19040
5 Year CD
$1,000
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
60 Month Regular & IRA (Traditional & Roth) Certificate
$500
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.90%
Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings. APY assumes dividends remain in account.

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6126 Hamilton Blvd Ste 102, Allentown, PA 18106
Regular & IRA (Traditional & Roth) - 60 months
$500
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
60 Month Certificates
$0
3.98% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.23% above avgNationally 2.90%
Details

Balance: $75,000 and over

Rate History
No change since Sep 25, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 25, 2026: 3.98% APYSep 25, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
60 Month Minimum Deposit Certificate
$125,000
3.97% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 6, 2026: 3.97% APYOct 6, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
60 Month Minimum Deposit Share Certificate
$1,000
3.97% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 6, 2026: 3.97% APYOct 6, 2026Oct 12, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month Certificate of Deposit
$0
3.96% ▲ 1.21% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.21% above avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
3.25%3.86%4.46%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.96% APYSep 18, 2026Oct 12, 2026
  • Oct 7, 20263.96%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
423 433 Reuter Boulevard, Towanda, PA 18848
60 Month IRA CD
$0
3.96% ▲ 1.21% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.21% above avgNationally 2.90%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
3.25%3.86%4.46%Sep 18, 2026: 3.75% APYOct 2, 2026: 3.96% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.96%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
17 East Ave, Wellsboro, PA 16901
60 Month Certificate
$0
3.95% ▲ 1.20% above Pennsylvania avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.20% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.95% ▲ 0.24 pts · high 3.95% / low 3.71%
3.21%3.83%4.45%Sep 14, 2026: 3.71% APYSep 25, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.95%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1313 Liberty St, Franklin, PA 16323
49 - 60 Mos. Share Certificate
$500
3.93% ▲ 1.18% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 12, 2026: 3.93% APYOct 12, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
60 Month Certificates
$0
3.92% ▲ 1.17% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.17% above avgNationally 2.90%
Details

Balance: $50,000 - $74,999.99

Rate History
No change since Sep 25, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 25, 2026: 3.92% APYSep 25, 2026Oct 12, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
60 Month Certificate
$0
3.92% ▲ 1.17% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.17% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
2307 Brown St, Philadelphia, PA 19130
60 Month IRA Certificate
$0
3.92% ▲ 1.17% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.17% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 12, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2154 E Lake Rd, Erie, PA 16511 1140
60 Month Minimum Deposit Certificate
$1,000
3.92% ▲ 1.17% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.17% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 6, 2026: 3.92% APYOct 6, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA 19044 2109
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.15% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 12, 2026
Discovery Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
2744 Century Blvd, Wyomissing, PA 19610
60 Month Certificates
$0
3.90% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.15% above avgNationally 2.90%
Details

Rate History
No change since Sep 21, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 21, 2026: 3.90% APYSep 21, 2026Oct 12, 2026
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
335 W Butler Ave, Chalfont, PA 18914
Jumbo Certificate 60-Month
$0
3.90% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.15% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 6, 2026: 3.90% APYOct 6, 2026Oct 12, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1550 Medical Dr, Pottstown, PA 19464 3225
60 Month Certificates
$0
3.87% ▲ 1.12% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Pennsylvania Average2.75%▲ 1.12% above avgNationally 2.90%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 25, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 25, 2026: 3.87% APYSep 25, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
314 Horsham Rd Ste D, Horsham, PA 19044 2109
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 12, 2026
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% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.90%
Details

Rate History
No change since Sep 15, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 15, 2026: 3.85% APYSep 15, 2026Oct 12, 2026
Ardent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1601 Cherry St, Phila, PA 19102 1320
60-month Certificate/IRA
$0
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
11 Meridian Blvd, Wyomissing, PA 19610
60 Month IRA Certificate
$500
3.85% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▲ 1.10% above avgNationally 2.90%
Details

APY1APY=Annual Percentage Yield. Rates are effective as of 10/1/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Pennsylvania Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
First Northern Bank and Trust Company
3 Year Adjustable CD
A+ 5.0 ★ TX: 5.78%
Min: $1,000
4.81%
Citizens & Northern Bank C&N
60 Month Certificate of Deposit
A 5.0 ★ TX: 10.85%
Min: $0
4.63%
Enterprise Bank Allison Park, PA
Business 5 Year CD
F 1.0 ★ TX: 80.27%
Min: $0
4.59%
Armstrong County Building and Loan Association
18 Month IRA Certificates SEP
A+ 5.0 ★ TX: 6.00%
Min: $0
4.50%
Unity Bank
18 Month CD
A 5.0 ★ TX: 9.27%
Min: $1,000
4.40%
CU Top 5 Credit Union Rates
Tendto Credit Union
60 month Certificate
A+ 5.0 ★ TX: 3.10%
Min: $0
4.81%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
ARC Federal Credit Union
60 Month Traditional IRA Share Certificate
A+ 5.0 ★ TX: 5.00%
Min: $0
4.44%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Franklin Mint Federal Credit Union
18 MONTH Certificate
A 5.0 ★ TX: 6.91%
Min: $0
4.35%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Pennsylvania CD Rate Trends

Compare local Pennsylvania CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Pennsylvania CD Trends
12-Month CD PA Avg
2.959%
Unchanged vs 7 days ago

Pennsylvania 12-month CD rates currently average 2.959% APY based on data from institutions in our monitoring network.

6-Month CD PA Avg
2.784%
▼ 0.031 vs 7 days ago

Pennsylvania 6-month CD rates fell 0.031 points over the past 7 days to 2.784% APY.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

PA CD Rate Forecast, Next 12 Months

Where are Pennsylvania CD rates headed through October 2027?

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

PA 12-Month Avg APY
2.959%
6-Month Forecast
2.959%
Range: 2.76%, 3.11%
12-Month Forecast
3.209%
Range: 3.01%, 3.36%

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

Spread model: The Pennsylvania 12-month CD average currently trades 1.42% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at PA CD Rates Today

Annual interest earnings at today’s Pennsylvania average APYs. State average used where available; national average as fallback.

CD Term PA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.801% $90.07 $180.14 $450.35 $900.70
6-Month CD 2.784% $139.20 $278.40 $696.00 $1,392.00
12-Month CD 2.959% $147.95 $295.91 $739.78 $1,479.55
18-Month CD 2.982% $149.09 $298.18 $745.45 $1,490.90
24-Month CD 2.865% $143.27 $286.54 $716.35 $1,432.70
36-Month CD 2.748% $137.38 $274.76 $686.90 $1,373.80
48-Month CD 2.645% $132.26 $264.51 $661.28 $1,322.55
60-Month CD 2.748% $137.42 $274.83 $687.08 $1,374.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Pennsylvania Savers

$25,000 split equally across 5 terms using today’s Pennsylvania average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit PA Avg APY Annual Earnings
1 3-Month CD $5,000 1.801% $90.07
2 6-Month CD $5,000 2.784% $139.20
3 12-Month CD $5,000 2.959% $147.95
4 24-Month CD $5,000 2.865% $143.27
5 36-Month CD $5,000 2.748% $137.38
Total ($25,000 invested) $25,000 2.631% blended $657.87/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.

Powered byMonitorBankRates
2,424
CD Rates
Tracked in Pennsylvania
52 Banks 95 Credit Unions

About Our Pennsylvania CD Rate Database

MonitorBankRates tracks 2,424 CD rates from 52 banks and 95 credit unions with locations in Pennsylvania, plus national online institutions available to Pennsylvania residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: First Northern Bank and Trust Company offers a CD at 4.81% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Pennsylvania.

How to Find the Best CD Rates in Pennsylvania

What to compare when shopping for a CD in Pennsylvania

To find the best APYs in Pennsylvania, start with credit unions and online-only banks: Pennsylvania has 95 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Pennsylvania

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Pennsylvania: 147 institutions here report CD rates

Consider an Alternative If…

Pennsylvania Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
19.5%
National avg: 17.3%
Median Individual Earnings
$46,676
National avg: $47,340
Poverty Rate
11.7%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$138/yr
At PA 12-mo avg 2.959% APY

19.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s PA 12-month CD average of 2.959%, saving 10% of the local median salary ($4,667/year) and putting it in a CD would earn an additional $138 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Pennsylvania

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 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 Pennsylvania

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Pennsylvania typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Pennsylvania as everywhere in the U.S.

Choosing a CD Term in Pennsylvania

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Pennsylvania savers easier access to their funds. For example, P.C. Federal Credit Union is offering its Level 6 - 6 month term at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Tendto Credit Union is offering its 60 month Certificate at 4.81% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Pennsylvania Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Pennsylvania saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Pennsylvania

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Pennsylvania CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Pennsylvania

Most CDs carry a fixed rate that is locked for the entire term, protecting a Pennsylvania depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Pennsylvania

Are CD rates in Pennsylvania FDIC insured?

Yes, most established banks in Pennsylvania are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Pennsylvania?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Pennsylvania.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Pennsylvania may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Pennsylvania?

Here are recent top rates found for this area:
  • First Northern Bank and Trust Company: 4.81% APY (3 Year Adjustable CD)
  • Tendto Credit Union: 4.81% APY (60 month Certificate)
  • Citizens & Northern Bank C&N: 4.63% APY (60 Month Certificate of Deposit)
  • Patriot Federal Credit Union: 4.60% APY (48 Month Share Certificate)
  • Enterprise Bank Allison Park, PA: 4.59% APY (Business 5 Year CD)
  • Armstrong County Building and Loan Association: 4.50% APY (18 Month IRA Certificates SEP)
  • ARC Federal Credit Union: 4.44% APY (60 Month Traditional IRA Share Certificate)
  • Unity Bank: 4.40% APY (18 Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • First Federal S&L of Greene Co: 4.35% APY (1 Year Certificate)
Rates reflect recent verified offers available in Pennsylvania. Last Updated: October 12, 2026

Pennsylvania CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Pennsylvania rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Pennsylvania CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Pennsylvania. Averages shown use the Pennsylvania state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Pennsylvania

Pennsylvania CD Calculator

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

Pennsylvania CD Ladder

PA CD rates currently range from 1.801% (3-month) to 2.748% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

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

CD vs. High-Yield Savings

Pennsylvania’s average 12-month CD is 2.959% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pennsylvania CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Pennsylvania directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Pennsylvania. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in PA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 12, 2026

Pennsylvania Rates & Resources

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Cities in Pennsylvania

  • Aaronsburg
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  • Franklintown
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  • Freeport
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  • Galeton
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  • Gordonville
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  • Gratz
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  • Great Bend
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  • Green Hills
  • Green Lane
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  • Greencastle
  • Greenock
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  • Grindstone
  • Grove City
  • Grover
  • Guys Mills
  • Gwynedd
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  • Hadley
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  • Hallam
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  • Hamburg
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  • Harford
  • Harleigh
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  • Harmony
  • Harrisburg
  • Harrison City
  • Harrison Valley
  • Harrisonville
  • Harrisville
  • Hartleton
  • Hartstown
  • Harveys Lake
  • Harwick
  • Hastings
  • Hatboro
  • Hatfield
  • Haverford
  • Havertown
  • Hawk Run
  • Hawley
  • Hawthorn
  • Haysville
  • Hazel Hurst
  • Hazleton
  • Hegins
  • Heidelberg
  • Heilwood
  • Hellertown
  • Hempfield
  • Hendersonville
  • Henryville
  • Hereford
  • Herman
  • Herminie
  • Hermitage
  • Herndon
  • Herrick Center
  • Hershey
  • Hesston
  • Hibbs
  • Hickory
  • Hidden Valley
  • Highspire
  • Hiller
  • Hilliards
  • Hillsdale
  • Hillsgrove
  • Hillsville
  • Hilltown
  • Holbrook
  • Holicong
  • Hollidaysburg
  • Hollsopple
  • Holmes
  • Holtwood
  • Home
  • Homer City
  • Homestead
  • Homewood
  • Honesdale
  • Honey Brook
  • Honey Grove
  • Hookstown
  • Hooversville
  • Hop Bottom
  • Hopeland
  • Hopewell
  • Hopwood
  • Horsham
  • Hostetter
  • Houston
  • Houtzdale
  • Howard
  • Hughestown
  • Hughesville
  • Hulmeville
  • Hummels Wharf
  • Hummelstown
  • Hunker
  • Hunlock Creek
  • Huntingdon
  • Huntingdon Valley
  • Huntington Mills
  • Hustontown
  • Hutchinson
  • Hyde
  • Hyde Park
  • Hydetown
  • Hyndman
  • Hyner
  • Ickesburg
  • Idaville
  • Imler
  • Immaculata
  • Imperial
  • Indian Head
  • Indian Lake
  • Indiana
  • Indianola
  • Industry
  • Ingomar
  • Ingram
  • Intercourse
  • Irvine
  • Irvona
  • Irwin
  • Isabella
  • Ivyland
  • Jackson
  • Jackson Center
  • Jacobs Creek
  • Jacobus
  • James City
  • James Creek
  • Jamestown
  • Jamison
  • Jeannette
  • Jeddo
  • Jefferson
  • Jefferson Hills
  • Jenkintown
  • Jenners
  • Jennerstown
  • Jermyn
  • Jerome
  • Jersey Mills
  • Jersey Shore
  • Jessup
  • Jim Thorpe
  • Joffre
  • Johnsonburg
  • Johnstown
  • Jones Mills
  • Jonestown
  • Josephine
  • Julian
  • Juneau
  • Junedale
  • Juniata Terrace
  • Kane
  • Kantner
  • Karns City
  • Karthaus
  • Keisterville
  • Kelayres
  • Kelton
  • Kemblesville
  • Kempton
  • Kenhorst
  • Kennerdell
  • Kennett Square
  • Kent
  • Kersey
  • Kimberton
  • King Of Prussia
  • Kingsley
  • Kingston
  • Kintnersville
  • Kinzers
  • Kirkwood
  • Kistler
  • Kittanning
  • Kleinfeltersville
  • Klingerstown
  • Knox
  • Knox Dale
  • Knoxville
  • Koppel
  • Kossuth
  • Kreamer
  • Kresgeville
  • Kulpmont
  • Kulpsville
  • Kunkletown
  • Kutztown
  • Kylertown
  • La Belle
  • La Jose
  • La Plume
  • Laceyville
  • Lackawaxen
  • Lafayette Hill
  • Laflin
  • Lahaska
  • Lairdsville
  • Lake Ariel
  • Lake City
  • Lake Como
  • Lake Harmony
  • Lake Lynn
  • Lake Winola
  • Lakeville
  • Lakewood
  • Lamar
  • Lamartine
  • Lampeter
  • Lancaster
  • Landenberg
  • Landingville
  • Landisburg
  • Landisville
  • Lanesboro
  • Langeloth
  • Langhorne
  • Langhorne Manor
  • Lansdale
  • Lansdowne
  • Lanse
  • Lansford
  • Laporte
  • Larimer
  • Larksville
  • Latrobe
  • Lattimer Mines
  • Laughlintown
  • Laurel Mountain
  • Laurel Run
  • Laureldale
  • Laurelton
  • Laurys Station
  • Lavelle
  • Lawn
  • Lawrence
  • Lawrenceville
  • Lawton
  • Le Raysville
  • Lebanon
  • Leck Kill
  • Leckrone
  • Lecontes Mills
  • Lederach
  • Leechburg
  • Leeper
  • Leesport
  • Leetsdale
  • Lehigh Valley
  • Lehighton
  • Lehman
  • Leisenring
  • Lemasters
  • Lemont
  • Lemont Furnace
  • Lemoyne
  • Lenhartsville
  • Lenni
  • Lenoxville
  • Leola
  • Leroy
  • Levittown
  • Lewis Run
  • Lewisberry
  • Lewisburg
  • Lewistown
  • Lewisville
  • Liberty
  • Library
  • Lickingville
  • Light Street
  • Ligonier
  • Lilly
  • Limekiln
  • Limeport
  • Limestone
  • Lincoln
  • Lincoln University
  • Linden
  • Line Lexington
  • Linesville
  • Lionville
  • Listie
  • Lititz
  • Little Meadows
  • Littlestown
  • Liverpool
  • Llewellyn
  • Lock Haven
  • Locust Gap
  • Locustdale
  • Loganton
  • Loganville
  • Long Branch
  • Long Pond
  • Lopez
  • Lorain
  • Loretto
  • Lost Creek
  • Lowber
  • Lower Burrell
  • Loyalhanna
  • Loysburg
  • Loysville
  • Lucernemines
  • Lucinda
  • Ludlow
  • Lumberville
  • Lurgan
  • Luthersburg
  • Luxor
  • Luzerne
  • Lykens
  • Lyndell
  • Lyndora
  • Lyon Station
  • Lyons
  • Mackeyville
  • Macungie
  • Madera
  • Madison
  • Madisonburg
  • Mahaffey
  • Mahanoy City
  • Mahanoy Plane
  • Mainesburg
  • Mainland
  • Malvern
  • Mammoth
  • Manchester
  • Manheim
  • Manns Choice
  • Manor
  • Manorville
  • Mansfield
  • Mapleton
  • Mapleton Depot
  • Mar Lin
  • Marble
  • Marchand
  • Marcus Hook
  • Marianna
  • Marienville
  • Marietta
  • Marion
  • Marion Center
  • Marion Heights
  • Marklesburg
  • Markleton
  • Markleysburg
  • Mars
  • Marshalls Creek
  • Marsteller
  • Martin
  • Martindale
  • Martins Creek
  • Martinsburg
  • Mary D
  • Marysville
  • Masontown
  • Matamoras
  • Mather
  • Mattawana
  • Maxatawny
  • Mayfield
  • Mayport
  • Maytown
  • Mcadoo
  • McAlisterville
  • McClellandtown
  • McClure
  • McConnellsburg
  • McConnellstown
  • McDonald
  • McElhattan
  • McEwensville
  • McGrann
  • McIntyre
  • McKean
  • McKees Rocks
  • McKeesport
  • McKnightstown
  • McSherrystown
  • McVeytown
  • Meadow Lands
  • Meadville
  • Mechanicsburg
  • Mechanicsville
  • Media
  • Mehoopany
  • Melcroft
  • Mendenhall
  • Menges Mills
  • Mentcle
  • Mercer
  • Mercersburg
  • Merion Station
  • Merrittstown
  • Mertztown
  • Meshoppen
  • Mexico
  • Meyersdale
  • Middleburg
  • Middlebury Center
  • Middleport
  • Middletown
  • Midland
  • Midway
  • Mifflin
  • Mifflinburg
  • Mifflintown
  • Mifflinville
  • Milan
  • Milanville
  • Mildred
  • Milesburg
  • Milford
  • Milford Square
  • Mill Creek
  • Mill Hall
  • Mill Run
  • Mill Village
  • Millbourne
  • Millersburg
  • Millerstown
  • Millersville
  • Millerton
  • Millheim
  • Millmont
  • Millrift
  • Mills
  • Millsboro
  • Millvale
  • Millville
  • Milnesville
  • Milroy
  • Milton
  • Mineral Point
  • Mineral Springs
  • Minersville
  • Mingoville
  • Minisink Hills
  • Miquon
  • Modena
  • Mohnton
  • Mohrsville
  • Monaca
  • Monessen
  • Monocacy Station
  • Monongahela
  • Monroe
  • Monroeton
  • Monroeville
  • Mont Alto
  • Mont Clare
  • Montandon
  • Montgomery
  • Montgomeryville
  • Montoursville
  • Montrose
  • Moosic
  • Morann
  • Morgan
  • Morgantown
  • Morris
  • Morris Run
  • Morrisdale
  • Morrisville
  • Morton
  • Moscow
  • Moshannon
  • Mount Aetna
  • Mount Bethel
  • Mount Braddock
  • Mount Carbon
  • Mount Carmel
  • Mount Gretna
  • Mount Holly Springs
  • Mount Jewett
  • Mount Joy
  • Mount Morris
  • Mount Oliver
  • Mount Penn
  • Mount Pleasant
  • Mount Pleasant Mills
  • Mount Pocono
  • Mount Union
  • Mount Wolf
  • Mountain Top
  • Mountainhome
  • Mountville
  • Muhlenberg
  • Muir
  • Muncy
  • Muncy Valley
  • Munhall
  • Munson
  • Murrysville
  • Muse
  • Myerstown
  • Nanticoke
  • Nanty Glo
  • Narberth
  • Narvon
  • Natrona Heights
  • Nazareth
  • Needmore
  • Neelyton
  • Neffs
  • Nelson
  • Nemacolin
  • Nescopeck
  • Nesquehoning
  • New Albany
  • New Alexandria
  • New Baltimore
  • New Beaver
  • New Bedford
  • New Berlin
  • New Berlinville
  • New Bethlehem
  • New Bloomfield
  • New Brighton
  • New Britain
  • New Buffalo
  • New Castle
  • New Centerville
  • New Columbia
  • New Columbus
  • New Cumberland
  • New Derry
  • New Eagle
  • New Enterprise
  • New Florence
  • New Freedom
  • New Freeport
  • New Galilee
  • New Geneva
  • New Germantown
  • New Holland
  • New Hope
  • New Kensington
  • New Kingstown
  • New Lebanon
  • New London
  • New Milford
  • New Millport
  • New Morgan
  • New Oxford
  • New Paris
  • New Park
  • New Philadelphia
  • New Providence
  • New Ringgold
  • New Salem
  • New Stanton
  • New Tripoli
  • New Washington
  • New Wilmington
  • Newburg
  • Newell
  • Newfoundland
  • Newmanstown
  • Newport
  • Newry
  • Newton Hamilton
  • Newtown
  • Newtown Square
  • Newville
  • Nicholson
  • Nicktown
  • Nineveh
  • Nisbet
  • Normalville
  • Norristown
  • North Apollo
  • North Belle Vernon
  • North Bend
  • North Braddock
  • North Catasauqua
  • North Charleroi
  • North East
  • North Irwin
  • North Springfield
  • North Versailles
  • North Wales
  • North Washington
  • North York
  • Northampton
  • Northern Cambria
  • Northpoint
  • Northumberland
  • Norvelt
  • Norwood
  • Nottingham
  • Noxen
  • Nu Mine
  • Nuangola
  • Numidia
  • Nuremberg
  • Oak Ridge
  • Oakdale
  • Oakland
  • Oakland Mills
  • Oakmont
  • Oaks
  • Ohiopyle
  • Ohioville
  • Oil City
  • Oklahoma
  • Olanta
  • Old Forge
  • Old Zionsville
  • Oley
  • Oliveburg
  • Oliver
  • Olyphant
  • Oneida
  • Ono
  • Orangeville
  • Orbisonia
  • Orefield
  • Oreland
  • Orrstown
  • Orrtanna
  • Orson
  • Orviston
  • Orwigsburg
  • Osceola
  • Osceola Mills
  • Osterburg
  • Oswayo
  • Ottsville
  • Oxford
  • Paint
  • Palm
  • Palmerton
  • Palmyra
  • Palo Alto
  • Paoli
  • Paradise
  • Pardeesville
  • Parker
  • Parker Ford
  • Parkesburg
  • Parkhill
  • Parkside
  • Parryville
  • Patterson Heights
  • Patton
  • Paupack
  • Paxinos
  • Paxtang
  • Paxtonville
  • Peach Bottom
  • Peach Glen
  • Peckville
  • Pen Argyl
  • Penbrook
  • Penfield
  • Penn
  • Penn Lake Park
  • Penn Run
  • Penndel
  • Penns Creek
  • Penns Park
  • Pennsburg
  • Pennsbury Village
  • Pennsylvania Furnace
  • Penryn
  • Pequea
  • Perkasie
  • Perkiomenville
  • Perry
  • Perryopolis
  • Petersburg
  • Petrolia
  • Philadelphia
  • Philipsburg
  • Phoenixville
  • Picture Rocks
  • Pillow
  • Pine Bank
  • Pine Forge
  • Pine Grove
  • Pine Grove Mills
  • Pineville
  • Pipersville
  • Pitcairn
  • Pitman
  • Pittsburgh
  • Pittsfield
  • Pittston
  • Plainfield
  • Platea
  • Pleasant Hall
  • Pleasant Hills
  • Pleasant Mount
  • Pleasant Unity
  • Pleasantville
  • Plum
  • Plumstead
  • Plumsteadville
  • Plumville
  • Plymouth
  • Plymouth Meeting
  • Pocono Lake
  • Pocono Lake Preserve
  • Pocono Manor
  • Pocono Pines
  • Pocono Summit
  • Pocopson
  • Point Marion
  • Point Pleasant
  • Polk
  • Pomeroy
  • Port Allegany
  • Port Carbon
  • Port Clinton
  • Port Matilda
  • Port Royal
  • Port Trevorton
  • Port Vue
  • Portage
  • Porters Sideling
  • Portersville
  • Portland
  • Potter
  • Pottersdale
  • Potts Grove
  • Pottstown
  • Pottsville
  • Poyntelle
  • Presto
  • Preston Park
  • Pricedale
  • Primos
  • Pringle
  • Prompton
  • Prospect
  • Prospect Park
  • Prosperity
  • Pulaski
  • Punxsutawney
  • Quakake
  • Quakertown
  • Quarryville
  • Quecreek
  • Queen
  • Quentin
  • Quincy
  • Railroad
  • Rainsburg
  • Ralston
  • Ramey
  • Rankin
  • Ransom
  • Ravine
  • Reading
  • Reamstown
  • Rebersburg
  • Rebuck
  • Rector
  • Red Hill
  • Red Lion
  • Reeders
  • Reedsville
  • Refton
  • Rehrersburg
  • Reinholds
  • Renfrew
  • Reno
  • Renovo
  • Republic
  • Revere
  • Revloc
  • Rew
  • Rexmont
  • Reynoldsville
  • Rheems
  • Rices Landing
  • Riceville
  • Richboro
  • Richeyville
  • Richfield
  • Richland
  • Richlandtown
  • Riddlesburg
  • Ridgway
  • Ridley Park
  • Riegelsville
  • Rillton
  • Rimersburg
  • Ringgold
  • Ringtown
  • Riverside
  • Rixford
  • Roaring Branch
  • Roaring Spring
  • Robertsdale
  • Robeson
  • Robesonia
  • Robinson
  • Rochester
  • Rochester Mills
  • Rock Glen
  • Rockhill
  • Rockhill Furnace
  • Rockledge
  • Rockton
  • Rockwood
  • Rogersville
  • Rome
  • Ronco
  • Ronks
  • Roscoe
  • Rose Valley
  • Roseto
  • Roseville
  • Rossiter
  • Rosslyn Farms
  • Rossville
  • Roulette
  • Rouseville
  • Rouzerville
  • Rowland
  • Roxbury
  • Royalton
  • Royersford
  • Ruffs Dale
  • Rural Ridge
  • Rural Valley
  • Rushland
  • Rushville
  • Russell
  • Russellton
  • Rutledge
  • S.N.P.J.
  • Sabinsville
  • Sacramento
  • Sadsburyville
  • Saegertown
  • Sagamore
  • Saint Benedict
  • Saint Boniface
  • Saint Clair
  • Saint Clairsville
  • Saint Johns
  • Saint Lawrence
  • Saint Marys
  • Saint Michael
  • Saint Peters
  • Saint Petersburg
  • Saint Thomas
  • Salford
  • Salfordville
  • Salina
  • Salisbury
  • Salix
  • Salladasburg
  • Salona
  • Saltillo
  • Saltsburg
  • Sandy Lake
  • Sandy Ridge
  • Sankertown
  • Sarver
  • Sassamansville
  • Saxonburg
  • Saxton
  • Saylorsburg
  • Sayre
  • Scalp Level
  • Scenery Hill
  • Schaefferstown
  • Schellsburg
  • Schenley
  • Schnecksville
  • Schuylkill
  • Schuylkill Haven
  • Schwenksville
  • Sciota
  • Scotland
  • Scotrun
  • Scottdale
  • Scranton
  • Seanor
  • Selinsgrove
  • Sellersville
  • Seltzer
  • Seminole
  • Seneca
  • Seven Fields
  • Seven Springs
  • Seven Valleys
  • Seward
  • Sewickley
  • Sewickley Heights
  • Sewickley Hills
  • Shade Gap
  • Shady Grove
  • Shamokin
  • Shamokin Dam
  • Shanksville
  • Sharon
  • Sharon Hill
  • Sharpsburg
  • Sharpsville
  • Shartlesville
  • Shavertown
  • Shawanese
  • Shawnee On Delaware
  • Shawville
  • Sheakleyville
  • Sheffield
  • Shelocta
  • Shenandoah
  • Sheppton
  • Shermans Dale
  • Shickshinny
  • Shillington
  • Shinglehouse
  • Shippensburg
  • Shippenville
  • Shippingport
  • Shiremanstown
  • Shirleysburg
  • Shoemakersville
  • Shohola
  • Shrewsbury
  • Shunk
  • Sidman
  • Sigel
  • Silver Spring
  • Silverdale
  • Sinking Spring
  • Sinnamahoning
  • Sipesville
  • Six Mile Run
  • Skippack
  • Skytop
  • Slate Run
  • Slatedale
  • Slatington
  • Slickville
  • Sligo
  • Slippery Rock
  • Slovan
  • Smethport
  • Smicksburg
  • Smithfield
  • Smithmill
  • Smithton
  • Smock
  • Smokerun
  • Smoketown
  • Snow Shoe
  • Snydersburg
  • Snydertown
  • Solebury
  • Somerset
  • Soudersburg
  • Souderton
  • South Bethlehem
  • South Buffalo
  • South Canaan
  • South Coatesville
  • South Connellsville
  • South Fayette
  • South Fork
  • South Gibson
  • South Greensburg
  • South Heights
  • South Londonderry
  • South Montrose
  • South Mountain
  • South New Castle
  • South Renovo
  • South Sterling
  • South Waverly
  • South Whitehall
  • South Williamsport
  • Southampton
  • Southeastern
  • Southmont
  • Southview
  • Southwest
  • Southwest Greensburg
  • Spangler
  • Spartansburg
  • Speers
  • Spinnerstown
  • Spraggs
  • Sprankle Mills
  • Spring Church
  • Spring City
  • Spring Creek
  • Spring Glen
  • Spring Grove
  • Spring House
  • Spring Mills
  • Spring Mount
  • Spring Run
  • Springboro
  • Springdale
  • Springfield
  • Springs
  • Springtown
  • Springville
  • Sproul
  • Spruce Creek
  • Stahlstown
  • Star Junction
  • Starford
  • Starlight
  • Starrucca
  • State College
  • State Line
  • Steelton
  • Steelville
  • Sterling
  • Stevens
  • Stevensville
  • Stewartstown
  • Stillwater
  • Stockdale
  • Stockertown
  • Stoneboro
  • Stony Run
  • Stoystown
  • Strabane
  • Strasburg
  • Strattanville
  • Strausstown
  • Strongstown
  • Stroudsburg
  • Stump Creek
  • Sturgeon
  • Sugar Grove
  • Sugar Notch
  • Sugar Run
  • Sugarcreek
  • Sugarloaf
  • Summerdale
  • Summerhill
  • Summerville
  • Summit Hill
  • Summit Station
  • Sumneytown
  • Sunbury
  • Suplee
  • Susquehanna
  • Susquehanna Depot
  • Sutersville
  • Swarthmore
  • Sweet Valley
  • Swengel
  • Swiftwater
  • Swissvale
  • Swoyersville
  • Sybertsville
  • Sycamore
  • Sykesville
  • Sylvania
  • Tafton
  • Talmage
  • Tamaqua
  • Tamiment
  • Tannersville
  • Tarentum
  • Tarrs
  • Tatamy
  • Taylor
  • Taylorstown
  • Telford
  • Temple
  • Templeton
  • Terre Hill
  • Thomasville
  • Thompson
  • Thompsontown
  • Thornburg
  • Thorndale
  • Thornton
  • Three Springs
  • Throop
  • Tidioute
  • Timblin
  • Tioga
  • Tiona
  • Tionesta
  • Tipton
  • Tire Hill
  • Titusville
  • Tobyhanna
  • Todd
  • Topton
  • Torrance
  • Toughkenamon
  • Towanda
  • Tower City
  • Townville
  • Trafford
  • Trainer
  • Transfer
  • Trappe
  • Treichlers
  • Tremont
  • Tresckow
  • Trevorton
  • Trexlertown
  • Trout Run
  • Troutville
  • Troxelville
  • Troy
  • Trumbauersville
  • Tullytown
  • Tunkhannock
  • Tunnelhill
  • Turbotville
  • Turkey City
  • Turtle Creek
  • Turtlepoint
  • Tuscarora
  • Twilight
  • Twin Rocks
  • Tyler Hill
  • Tylersburg
  • Tylersport
  • Tylersville
  • Tyrone
  • Uledi
  • Ulster
  • Ulysses
  • Union City
  • Union Dale
  • Uniontown
  • Unionville
  • United
  • Unity House
  • Unityville
  • University Park
  • Upland
  • Upper Black Eddy
  • Upper Darby
  • Upper Uwchlan
  • Upperstrasburg
  • Ursina
  • Utica
  • Uwchland
  • Valencia
  • Valier
  • Valley Forge
  • Valley View
  • Valley-Hi
  • Van Voorhis
  • Vanderbilt
  • Vandergrift
  • Vandling
  • Venango
  • Venetia
  • Venus
  • Verona
  • Versailles
  • Vestaburg
  • Vicksburg
  • Villa Maria
  • Villanova
  • Vintondale
  • Virginville
  • Volant
  • Vowinckel
  • Wagontown
  • Wall
  • Wallaceton
  • Wallingford
  • Walnut Bottom
  • Walnutport
  • Walston
  • Waltersburg
  • Wampum
  • Wapwallopen
  • Warfordsburg
  • Warminster
  • Warren
  • Warren Center
  • Warrendale
  • Warrington
  • Warrior Run
  • Warriors Mark
  • Washington
  • Washington Boro
  • Washington Crossing
  • Washingtonville
  • Waterfall
  • Waterford
  • Waterville
  • Watson
  • Watsontown
  • Wattsburg
  • Waverly
  • Waymart
  • Wayne
  • Waynesboro
  • Waynesburg
  • Weatherly
  • Webster
  • Weedville
  • Weikert
  • Weissport
  • Wellersburg
  • Wells Tannery
  • Wellsboro
  • Wellsville
  • Wendel
  • Wernersville
  • Wesleyville
  • West Alexander
  • West Brownsville
  • West Chester
  • West Conshohocken
  • West Decatur
  • West Easton
  • West Elizabeth
  • West Finley
  • West Grove
  • West Hazleton
  • West Hickory
  • West Homestead
  • West Kittanning
  • West Lebanon
  • West Leechburg
  • West Leisenring
  • West Liberty
  • West Mayfield
  • West Middlesex
  • West Middletown
  • West Mifflin
  • West Milton
  • West Newton
  • West Pittsburg
  • West Pittston
  • West Point
  • West Reading
  • West Salisbury
  • West Springfield
  • West Sunbury
  • West View
  • West Willow
  • West Wyoming
  • West York
  • Westfield
  • Westland
  • Westline
  • Westmont
  • Westmoreland City
  • Weston
  • Westover
  • Westport
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