Warminster, Pennsylvania Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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.
Warminster, Pennsylvania CD rates range from 0.01% to 4.81% APY, verified by MonitorBankRates as of October 31, 2026. Current Warminster, Pennsylvania CD rates include TD BankTD Bank450 York Rd, Warminster, PA 18974A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 31, 2026 offering 24 Month TD Choice CD at 4.30% APY, Freedom Credit UnionFreedom Credit Union626 Jacksonville Rd, Warminster, PA 18974 4862A+5.0 ★Texas Ratio: 3.02%Real return: +0.58%APY minus CPIRate verified Oct 29, 2026 offering 24 Month Certificate of Deposit at 4.28% APY, Hatboro Federal SavingsHatboro Federal Savings609 York Rd, Warminster, PA 18974A+5.0 ★Texas Ratio: 2.15%Real return: +0.55%APY minus CPIRate verified Oct 27, 2026 offering 1 Year CD at 4.25% APY, American Heritage Federal Credit UnionAmerican Heritage Federal Credit Union10000 Anns Choice Way, Warminster, PA 18974A5.0 ★Texas Ratio: 9.33%Real return: +0.50%APY minus CPIRate verified Oct 28, 2026 offering 12 Month IRA Certificate at 4.20% APY, and Santander BankSantander Bank952 W Street Rd, Warminster, PA 18974A5.0 ★Texas Ratio: 8.00%Real return: +0.30%APY minus CPIRate verified Oct 31, 2026 offering 18-Month CD at 4.00% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Warminster has 204 local institutions in our database, with CD rates as high as 4.30% APY from TD Bank at 450 York Rd, Warminster, PA 18974. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Pennsylvania area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026
Compare Best CD Rates in Warminster, Pennsylvania & the Surrounding Area
Warminster 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
3 Month Certificate
$0
3.65%
▲ 1.83% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.83% above avgNationally 2.13%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 3.65% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
3 Month Bonus Business Certificate
$500
3.55%
▲ 1.73% above Pennsylvania avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.73% above avgNationally 2.13%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.50%; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 28, 2026 · 3.55% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
3 Month Business Certificate
$500
3.50%
▲ 1.68% above Pennsylvania avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Dividend rate 3.45%; minimum $500 to open and earn standard APY; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
3 Month Jumbo Certificates
$0
3.05%
▲ 1.23% above Pennsylvania avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.23% above avgNationally 2.13%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.008%
Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 3 month
$0
3.05%
▲ 1.23% above Pennsylvania avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.23% above avgNationally 2.13%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
- Oct 23, 20263.05%▲ from 2.80%
- Sep 16, 20262.80%first recorded
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
3 Month Growth CD
$500
3.00%
▲ 1.18% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.18% above avgNationally 2.13%
Details
Compounded interest; Apply Online
Rate History
1 change since Sep 24, 2026 · 0.20% → 3.00% ▲ 2.80 pts · high 3.00% / low 0.20%
- Oct 31, 20263.00%▲ from 0.20%
- Sep 24, 20260.20%first recorded
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
3 Month Income CD
$5,000
2.96%
▲ 1.14% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.14% above avgNationally 2.13%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
1 change since Sep 24, 2026 · 0.20% → 2.96% ▲ 2.76 pts · high 2.96% / low 0.20%
- Oct 31, 20262.96%▲ from 0.20%
- Sep 24, 20260.20%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 3 Month
$0
2.80%
▲ 0.98% above Pennsylvania avg
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 0.98% above avgNationally 2.13%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 2.80% APY · checked 2 times
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 3 Month
$500
2.75%
▲ 0.93% above Pennsylvania avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 0.93% above avgNationally 2.13%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
3 Month TD Choice CD
$250
2.00%
▲ 0.18% above Pennsylvania avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 0.18% above avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
3 Month TD Choice CD
$250
1.99%
▲ 0.17% above Pennsylvania avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 0.17% above avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 3-Month
$0
0.70%
▼ 1.12% below Pennsylvania avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 1.12% below avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 0.70% APY · checked 3 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
90-Day CD
$0
0.10%
▼ 1.72% below Pennsylvania avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 1.72% below avgNationally 2.13%
Details
Minimum balance to obtain Annual Percentage Yield: $500
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
3 Month Personal Certificate of Deposit
$0
0.05%
▼ 1.77% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 1.77% below avgNationally 2.13%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.79% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 1.79% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.80% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 1.80% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.81% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 1.81% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 3 Month
$0
4.31%
▲ 2.49% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average1.82%▲ 2.49% above avgNationally 2.13%
Details
A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
1 change since Oct 22, 2026 · 4.32% → 4.31% ▼ 0.01 pts · high 4.32% / low 4.31%
- Oct 30, 20264.31%▼ from 4.32%
- Oct 22, 20264.32%first recorded
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
3-Month CD
$25,000
4.10%
▲ 2.28% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.28% above avgNationally 2.13%
Details
Estimated earnings: $252; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio
Rate History
No change since Oct 31, 2026 · 4.10% APY
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Certificate of Deposit - 90 Day
$500
4.10%
▲ 2.28% above Pennsylvania avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.28% above avgNationally 2.13%
Details
Interest compounded daily; Minimum Deposit $500
Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 3 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10%
▲ 2.28% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.28% above avgNationally 2.13%
Details
Rate History
No change since Oct 28, 2026 · 4.10% APY
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Business Share Certificate
$500
4.00%
▲ 2.18% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.18% above avgNationally 2.13%
Details
Penalty for early withdrawal
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
Share Certificate - 3 months
$0
4.00%
▲ 2.18% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.18% above avgNationally 2.13%
Details
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3 Month Share/IRA Certificate
$500
4.00%
▲ 2.18% above Pennsylvania avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 2.18% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96%
▲ 2.14% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.14% above avgNationally 2.13%
Details
APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only
Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
- Oct 26, 20263.96%▲ from 3.70%
- Oct 7, 20263.70%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Share Certificate
$500
3.90%
▲ 2.08% above Pennsylvania avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.08% above avgNationally 2.13%
Details
Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 3 times
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 3 months
$500
3.90%
▲ 2.08% above Pennsylvania avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 2.08% above avgNationally 2.13%
Details
Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 3 times
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
3-month CD
$0
3.85%
▲ 2.03% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 2.03% above avgNationally 2.13%
Details
No minimum deposit to open; minimum balance to earn stated APY is $500.00; APY accurate as of 9/25/2026; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
Certificate of Deposit - 3 Month
$0
3.75%
▲ 1.93% above Pennsylvania avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details
Early withdrawal penalties apply
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Business Certificate of Deposit - 3 Months
$2,000
3.75%
▲ 1.93% above Pennsylvania avg
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details
Rates effective as of 09/22/2026; Rates may change after the account is opened; Early withdrawal penalties may be imposed
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 6 times
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
Certificate of Deposit - 3 Months
$0
3.75%
▲ 1.93% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 6 times
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month CD
$5,000
3.75%
▲ 1.93% above Pennsylvania avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details
Certificates of Deposit - Effective Wednesday, October 28, 2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 5 times
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Preferred Certificates - 3 months
$0
3.75%
▲ 1.93% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.93% above avgNationally 2.13%
Details
Accounts: Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; Minimum balance requirement $100.00
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit - Jumbo CD
$500
3.71%
▲ 1.89% above Pennsylvania avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.89% above avgNationally 2.13%
Details
Jumbo CD (Above $75,000)
Rate History
No change since Oct 26, 2026 · 3.71% APY · checked 2 times
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate of Deposit - 3 months (90 Days)
$500
3.71%
▲ 1.89% above Pennsylvania avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.89% above avgNationally 2.13%
Details
Jumbo CDs (Above $75,000)
Rate History
No change since Oct 26, 2026 · 3.71% APY · checked 2 times
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
3-Month Certificate
$500
3.70%
▲ 1.88% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.88% above avgNationally 2.13%
Details
APY up to 3.70%; Regular and IRA Certificates; $500.00 minimum balance required to earn the stated APY
Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 9 times
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Certificate - 3 Months
$500
3.70%
▲ 1.88% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.88% above avgNationally 2.13%
Details
Dividend rate and APY fixed for the term of the account
Rate History
No change since Oct 23, 2026 · 3.70% APY · checked 2 times
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
IRA Certificate - 3 Months
$500
3.70%
▲ 1.88% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.88% above avgNationally 2.13%
Details
Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 4 times
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit - Regular CD
$500
3.67%
▲ 1.85% above Pennsylvania avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.85% above avgNationally 2.13%
Details
Regular CD
Rate History
No change since Oct 26, 2026 · 3.67% APY · checked 2 times
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
IRA Certificate of Deposit - 3 months (90 Days)
$500
3.67%
▲ 1.85% above Pennsylvania avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.85% above avgNationally 2.13%
Details
Regular CDs
Rate History
No change since Oct 26, 2026 · 3.67% APY · checked 2 times
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Nonpreferred Certificate
$0
3.65%
▲ 1.83% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.83% above avgNationally 2.13%
Details
Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational; APY fixed to maturity; early withdrawal penalty applies
Rate History
No change since Oct 23, 2026 · 3.65% APY · checked 2 times
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificate of Deposit
$0
3.60%
▲ 1.78% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.78% above avgNationally 2.13%
Details
Effective 10/20/2026; APY based on semi-annual compounding; substantial penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 10 times
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.60%
▲ 1.78% above Pennsylvania avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.78% above avgNationally 2.13%
Details
Balance: $75,000.00 and over
Rate History
1 change since Oct 13, 2026 · 3.70% → 3.60% ▼ 0.10 pts · high 3.70% / low 3.60%
- Oct 26, 20263.60%▼ from 3.70%
- Oct 13, 20263.70%first recorded
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3 Month CD
$1,000
3.50%
▲ 1.68% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Maximum deposit $250,000 when opened online; $500,000 when opened in the branch; Visit a branch
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 14, 20263.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Share Certificate
$500
3.50%
▲ 1.68% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Share Certificates require a minimum opening deposit of $500.00; Description:
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Month Regular / IRA
$500
3.50%
▲ 1.68% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 10 times
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Jumbo Certificate 3 Month
$10,000
3.50%
▲ 1.68% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 8 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 3 MONTH
$0
3.50%
▲ 1.68% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.50%
▲ 1.68% above Pennsylvania avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Balance: $10,000.00 - $74,999.99
Rate History
1 change since Oct 13, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50%
- Oct 26, 20263.50%▼ from 3.60%
- Oct 13, 20263.60%first recorded
3Hill Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate of Deposit
$0
3.50%
▲ 1.68% above Pennsylvania avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average1.82%▲ 1.68% above avgNationally 2.13%
Details
Certificates of Deposit Promo Rates
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Warminster 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
6 Month Certificate of Deposit
$500
4.12%
▲ 1.28% above Pennsylvania avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.28% above avgNationally 2.79%
Details
Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.12% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
CD - 6 mos.
$500
4.12%
▲ 1.28% above Pennsylvania avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.28% above avgNationally 2.79%
Details
Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.12% APY · checked 2 times
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
6 Month Certificate
$0
3.85%
▲ 1.01% above Pennsylvania avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.01% above avgNationally 2.79%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
6 Month Bonus Business Certificate
$500
3.65%
▲ 0.80% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 0.80% above avgNationally 2.79%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.59%; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 28, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
6 Month Business Certificate
$500
3.60%
▲ 0.75% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 0.75% above avgNationally 2.79%
Details
Dividend rate 3.55%; minimum $500 to open and earn standard APY; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
6 Month Growth CD
$500
3.25%
▲ 0.40% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 0.40% above avgNationally 2.79%
Details
Compounded interest; Apply Online
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 31, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
6 Month Income CD
$5,000
3.20%
▲ 0.36% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 0.36% above avgNationally 2.79%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
1 change since Sep 24, 2026 · 2.96% → 3.20% ▲ 0.24 pts · high 3.20% / low 2.96%
- Oct 31, 20263.20%▲ from 2.96%
- Sep 24, 20262.96%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
6 Month Jumbo Certificates
$0
3.10%
▲ 0.25% above Pennsylvania avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 0.25% above avgNationally 2.79%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.057%
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 6 month
$0
3.10%
▲ 0.25% above Pennsylvania avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 0.25% above avgNationally 2.79%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85%
- Oct 23, 20263.10%▲ from 2.85%
- Sep 16, 20262.85%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 6 Month
$0
2.85%
At Pennsylvania avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%At the averageNationally 2.79%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 2.85% APY · checked 2 times
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 6 Month
$500
2.75%
▼ 0.10% below Pennsylvania avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 0.10% below avgNationally 2.79%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
6 Month TD Choice CD
$250
2.00%
▼ 0.85% below Pennsylvania avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 0.85% below avgNationally 2.79%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
6 Month TD Choice CD
$250
1.99%
▼ 0.86% below Pennsylvania avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 0.86% below avgNationally 2.79%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 6-Month
$0
0.70%
▼ 2.15% below Pennsylvania avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.15% below avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 0.70% APY · checked 3 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
6 Month Certificate
$0
0.65%
▼ 2.20% below Pennsylvania avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.85%▼ 2.20% below avgNationally 2.79%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 0.65% APY · checked 6 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
6 Month IRA Certificate
$0
0.65%
▼ 2.20% below Pennsylvania avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.85%▼ 2.20% below avgNationally 2.79%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 0.65% APY · checked 7 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
6-Month Certificate of Deposit
$0
0.15%
▼ 2.70% below Pennsylvania avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.70% below avgNationally 2.79%
Details
Minimum Balance to Obtain Annual Percentage Yield: $500
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 9 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
6 Month TD No Catch CD
$0
0.05%
▼ 2.80% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.80% below avgNationally 2.79%
Details
6 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
6 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.80% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.80% below avgNationally 2.79%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.82% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.82% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 6 Months
$250
0.03%
▼ 2.82% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.82% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.83% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.83% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 6 Months
$250
0.02%
▼ 2.83% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.83% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 2.84% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.84% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 6 Months
$250
0.01%
▼ 2.84% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.84% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 6 Month
$0
4.45%
▲ 1.61% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.61% above avgNationally 2.79%
Details
A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
2 changes since Oct 22, 2026 · 4.46% → 4.45% ▼ 0.01 pts · high 4.46% / low 4.44%
- Oct 30, 20264.45%▲ from 4.44%
- Oct 26, 20264.44%▼ from 4.46%
- Oct 22, 20264.46%first recorded
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
6-Month CD
$25,000
4.25%
▲ 1.40% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.40% above avgNationally 2.79%
Details
Estimated earnings: $526; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio
Rate History
No change since Oct 31, 2026 · 4.25% APY
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6-Month CD
$25,000
4.25%
▲ 1.40% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.40% above avgNationally 2.79%
Details
Rate History
No change since Oct 28, 2026 · 4.25% APY
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
6 Month Share Certificate - Level 6
$100,000
4.25%
▲ 1.40% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.40% above avgNationally 2.79%
Details
Printed label repeated for Level 6 6 month term; row 1 of 2
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
6 Month CD
$0
4.23%
▲ 1.39% above Pennsylvania avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.85%▲ 1.39% above avgNationally 2.79%
Details
Rate History
1 change since Oct 22, 2026 · 4.18% → 4.23% ▲ 0.05 pts · high 4.23% / low 4.18%
- Oct 27, 20264.23%▲ from 4.18%
- Oct 22, 20264.18%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
6 Month CD Promo
$1,000
4.20%
▲ 1.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.36% above avgNationally 2.79%
Details
Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 4 times
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Promotion Certificate of Deposit - 6 Month CD
$1,000
4.20%
▲ 1.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.36% above avgNationally 2.79%
Details
Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 4 times
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Certificate of Deposit - 6 Month
$0
4.14%
▲ 1.29% above Pennsylvania avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.29% above avgNationally 2.79%
Details
Compounding: At maturity; Early Withdrawal Penalty: 3 months interest
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 Month CD
$500
4.10%
▲ 1.25% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details
APYs accurate as of October 13, 2026; APYs available for American Bank personal and business accounts; $500 minimum deposit to open a CD account
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 14, 20264.10%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 6 Months
$10,000
4.10%
▲ 1.25% above Pennsylvania avg
▼
Rate4.06%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details
Special offer; $10,000 New Money
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Business Certificate of Deposit - 6 Month
$500
4.10%
▲ 1.25% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details
Minimum deposit for certificates of deposit is $500.00; early withdrawal penalty applies
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Certificates of Deposit - 6 Month
$500
4.10%
▲ 1.25% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details
Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 3 times
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
6 Month Share Certificate - Level 6
$100,000
4.10%
▲ 1.25% above Pennsylvania avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details
Printed label repeated for Level 6 6 month term; row 2 of 2
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
North Penn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month Share Certificate
$0
4.06%
▲ 1.21% above Pennsylvania avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 1.21% above avgNationally 2.79%
Details
A penalty will apply for early withdrawal
Rate History
No change since Oct 29, 2026 · 4.06% APY
Clarion County Community Bank
Institution Rating:
A4.8 ★Texas Ratio: 9.68%
Regular Certificate of Deposit - 6 Month
$500
4.05%
▲ 1.20% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details
Rate History
No change since Oct 31, 2026 · 4.05% APY
Hometown Bank of PA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Certificate of Deposit - 6 months
$1,000
4.05%
▲ 1.20% above Pennsylvania avg
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details
Fixed Rate
Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 2 times
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
Certificates of Deposit - 6 Month
$10,000
4.05%
▲ 1.20% above Pennsylvania avg
▼
Rate3.98%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details
Minimum to open: $10,000.00; Penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Share Certificate
$500
4.05%
▲ 1.20% above Pennsylvania avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details
Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 6 months
$500
4.05%
▲ 1.20% above Pennsylvania avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details
Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 3 times
Mercer County Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 Month CD
$500
4.04%
▲ 1.19% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.19% above avgNationally 2.79%
Details
Certificate Rates - Effective October 29, 2026
Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 1, 20264.04%▲ from 3.79%
- Sep 30, 20263.79%first recorded
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
IRA 6 Month Time Deposit
$0
4.00%
▲ 1.15% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details
Fees:
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
Parke Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Time Deposit - 6 Months
$500
4.00%
▲ 1.15% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details
Fees:; Minimum $500 required to open a CD
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
Ameriserv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
CD/IRA - 6-Month Promotion
$5,000
4.00%
▲ 1.15% above Pennsylvania avg
▼
Rate3.96%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details
$5,000 deposit must be new money not already on deposit at AmeriServ Bank
Rate History
No change since Oct 31, 2026 · 4.00% APY
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 Month
$1,000
4.00%
▲ 1.15% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details
Minimum Balance to Avoid Service Charge: $1,000.00; Penalties apply for early withdrawal.
Rate History
1 change since Oct 20, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 31, 20264.00%▲ from 3.65%
- Oct 20, 20263.65%first recorded
Allegent Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
6 Month Special Promo - Youth Share Certificate
$100
4.00%
▲ 1.15% above Pennsylvania avg
▼
Rate3.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 1.15% above avgNationally 2.79%
Details
6-month Youth certificate promo; primary account owner must be under 18; minimum balance of $100.00 must be maintained to maturity to earn the stated APY; $250,000 maximum investment per member; penalty for early withdrawal may reduce earnings
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
Warminster 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
609 York Rd, Warminster, PA 18974
1 Year CD
$1,000
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
Interest Compounded: Quarterly
Rate History
1 change since Sep 20, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 14, 20264.25%▲ from 3.75%
- Sep 20, 20263.75%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
12 Month IRA Certificate
$0
4.20%
▲ 1.15% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details
IRA Certificate; 12-month 4.20% APY available for Term Share IRA(s) only with a minimum balance of $1,000; penalty may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.20% ▲ 0.29 pts · high 4.20% / low 3.91%
- Oct 23, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
12 Month Certificate of Deposit
$500
4.17%
▲ 1.12% above Pennsylvania avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.12% above avgNationally 3.01%
Details
Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.17% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
CD - 12 mos.
$500
4.17%
▲ 1.12% above Pennsylvania avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.12% above avgNationally 3.01%
Details
Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.17% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
12 Month TD Choice CD
$250
4.15%
▲ 1.10% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.10% above avgNationally 3.01%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
12 Month TD Choice CD
$250
4.14%
▲ 1.09% above Pennsylvania avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.09% above avgNationally 3.01%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
12 Month Certificate
$0
4.10%
▲ 1.05% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.05% above avgNationally 3.01%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
12 Month Bonus Business Certificate
$500
3.65%
▲ 0.60% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 0.60% above avgNationally 3.01%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.59%; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 28, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
12 Month Business Certificate
$500
3.60%
▲ 0.55% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 0.55% above avgNationally 3.01%
Details
Dividend rate 3.55%; minimum $500 to open and earn standard APY; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
824 E Street Rd, Warminster, PA 18974
1 Year Online CD
$0
3.25%
▲ 0.20% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 0.20% above avgNationally 3.01%
Details
Interest rate 3.20%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 11 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
CD 12 Month
$0
3.25%
▲ 0.20% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 0.20% above avgNationally 3.01%
Details
Balance: $100,000 and above; special rate on select new CD accounts
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 3 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
1 Year Jumbo Certificates
$0
3.20%
▲ 0.15% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 0.15% above avgNationally 3.01%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.154%
Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 1 year
$0
3.20%
▲ 0.15% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 0.15% above avgNationally 3.01%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00%
- Oct 23, 20263.20%▲ from 3.00%
- Sep 16, 20263.00%first recorded
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 12 Month
$500
3.00%
▼ 0.05% below Pennsylvania avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 0.05% below avgNationally 3.01%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 1 Year
$0
2.95%
▼ 0.10% below Pennsylvania avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▼ 0.10% below avgNationally 3.01%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 2.95% APY · checked 2 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
12 Month Certificate
$0
0.75%
▼ 2.30% below Pennsylvania avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average3.05%▼ 2.30% below avgNationally 3.01%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 6 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
12 Month IRA Time Deposit
$0
0.75%
▼ 2.30% below Pennsylvania avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average3.05%▼ 2.30% below avgNationally 3.01%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 7 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 12-Month
$0
0.70%
▼ 2.35% below Pennsylvania avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.35% below avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 0.70% APY · checked 3 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
12 Month Flex 12 CD
$250
0.25%
▼ 2.80% below Pennsylvania avg
▼
Rate0.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.80% below avgNationally 3.01%
Details
Growth CD; Apply Online; $250.00 minimum Flex 12 Growth CD
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 7 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
12 Month Growth CD
$500
0.25%
▼ 2.80% below Pennsylvania avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.80% below avgNationally 3.01%
Details
Compounded interest; Apply Online
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
12 Month Income CD
$5,000
0.25%
▼ 2.80% below Pennsylvania avg
▼
Rate0.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.80% below avgNationally 3.01%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
12-Month CD
$0
0.25%
▼ 2.80% below Pennsylvania avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.80% below avgNationally 3.01%
Details
Minimum Balance to Obtain Annual Percentage Yield: $500
Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
12 Month TD IRA Add-Vantage CD
$0
0.05%
▼ 3.00% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.00% below avgNationally 3.01%
Details
12 Month TD IRA Add-Vantage CD; IRA certificate
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 9 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
12 Month TD No Catch CD
$0
0.05%
▼ 3.00% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.00% below avgNationally 3.01%
Details
12 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
12 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.00% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.00% below avgNationally 3.01%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 12 Months
$1,000
0.03%
▼ 3.02% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.02% below avgNationally 3.01%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 12 Months
$250
0.03%
▼ 3.02% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.02% below avgNationally 3.01%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 12 Months
$1,000
0.02%
▼ 3.03% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.03% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 12 Months
$250
0.02%
▼ 3.03% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.03% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 12 Months
$1,000
0.01%
▼ 3.04% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.04% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 12 Months
$250
0.01%
▼ 3.04% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 3.04% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 1 Year
$0
4.66%
▲ 1.61% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.61% above avgNationally 3.01%
Details
A minimum balance of $100,000 is required for ACBB CDs; rates subject to change based on market conditions and availability
Rate History
2 changes since Oct 22, 2026 · 4.67% → 4.66% ▼ 0.01 pts · high 4.67% / low 4.65%
- Oct 30, 20264.66%▲ from 4.65%
- Oct 26, 20264.65%▼ from 4.67%
- Oct 22, 20264.67%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
1 Year (12 Month) Adjustable CD
$5,000
4.44%
▲ 1.39% above Pennsylvania avg
▼
Rate4.37%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.39% above avgNationally 3.01%
Details
Adjustable rate; Open account in person; see Determination of Rate and Schedule of Service Fees
Rate History
1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09%
- Oct 7, 20264.44%▲ from 4.09%
- Sep 19, 20264.09%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
1 Year CD
$0
4.39%
▲ 1.34% above Pennsylvania avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.05%▲ 1.34% above avgNationally 3.01%
Details
Rate History
No change since Oct 22, 2026 · 4.39% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.30% above Pennsylvania avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
12-Month CD
$25,000
4.35%
▲ 1.30% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details
Estimated earnings: $1,088; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio
Rate History
No change since Oct 31, 2026 · 4.35% APY
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
Certificate of Deposit - 1 Year
$0
4.35%
▲ 1.30% above Pennsylvania avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details
Compounding: Semi-annually; Early Withdrawal Penalty: 3 months interest; IRAs available in this term
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 4 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12-Month CD
$25,000
4.35%
▲ 1.30% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
Inspire Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificates - 12 Month Certificate
$500
4.35%
▲ 1.30% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.30% above avgNationally 3.01%
Details
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 3 times
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Share Certificate 12 Months
$0
4.30%
▲ 1.25% above Pennsylvania avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.25% above avgNationally 3.01%
Details
Dividend Rate 4.210%; APY 4.30%
Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 12 Months
$0
4.27%
▲ 1.22% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.22% above avgNationally 3.01%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.27% APY · checked 4 times
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Share Certificate - New Money Special
$50,000
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
SPECIAL: $50,000 or more new money; New Money Certificate Special; Minimum deposit of $50,000 in new money required to earn 4.25% APY; Early withdrawal penalties apply
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
New Money Certificate Special - 12 Months
$50,000
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
New money special; $50,000 or more new money; minimum deposit of $50,000 in new money required to earn 4.25% APY; maximum $1 million total deposits under this promotion, $250,000 per household; transfers from existing Penlanco FCU accounts or certificates do not qualify
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 12-Month
$500
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 15, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%▲ from 3.85%
- Sep 12, 20263.85%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 12-Month
$500
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
1-Year CD Special
$1,000
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
For a limited time; dividends posted annually; offer may end without notice
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 4 times
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Certificate of Deposit - 1 Year - Promo
$1,000
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
Promo; Certificates of Deposit (effective as of September 23, 2026)
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
U S Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA 1 Year Starter Add-On Certificate
$0
4.25%
▲ 1.20% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details
Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
12 Month Certificate
$500
4.24%
▲ 1.19% above Pennsylvania avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 1.19% above avgNationally 3.01%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
1 change since Oct 15, 2026 · 3.87% → 4.24% ▲ 0.37 pts · high 4.24% / low 3.87%
- Oct 23, 20264.24%▲ from 3.87%
- Oct 15, 20263.87%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 12 Months
$0
4.22%
▲ 1.17% above Pennsylvania avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.17% above avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 4.22% APY · checked 4 times
Warminster 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
18 Month TD Choice CD
$250
4.25%
▲ 1.19% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
609 York Rd, Warminster, PA 18974
18 Month CD
$1,000
4.25%
▲ 1.19% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Interest Compounded: Quarterly
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
18 Month TD Choice CD
$250
4.24%
▲ 1.18% above Pennsylvania avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.18% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
18 Month Certificate of Deposit
$500
4.22%
▲ 1.16% above Pennsylvania avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details
Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.22% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
CD - 18 mos.
$500
4.22%
▲ 1.16% above Pennsylvania avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.16% above avgNationally 2.91%
Details
Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.22% APY · checked 2 times
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
18 Month Legacy Club Certificate
$0
4.20%
▲ 1.14% above Pennsylvania avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.14% above avgNationally 2.91%
Details
Legacy Club; APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
18 Month Certificate
$0
4.10%
▲ 1.04% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.04% above avgNationally 2.91%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
952 W Street Rd, Warminster, PA 18974
18-Month CD
$500
4.00%
▲ 0.94% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.94% above avgNationally 2.91%
Details
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, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 8 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
18 Month Bonus Business Certificate
$500
3.70%
▲ 0.64% above Pennsylvania avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 0.64% above avgNationally 2.91%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.64%; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 28, 2026 · 3.70% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
18 Month Business Certificate
$500
3.65%
▲ 0.59% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 0.59% above avgNationally 2.91%
Details
Dividend rate 3.59%; minimum $500 to open and earn standard APY; early withdrawal penalty 90 days of dividends
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 3 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
18 Month Jumbo Certificates
$0
3.30%
▲ 0.24% above Pennsylvania avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 0.24% above avgNationally 2.91%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.251%
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 18 month
$0
3.30%
▲ 0.24% above Pennsylvania avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 0.24% above avgNationally 2.91%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15%
- Oct 23, 20263.30%▲ from 3.15%
- Sep 16, 20263.15%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 18 Month
$0
3.05%
▼ 0.01% below Pennsylvania avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▼ 0.01% below avgNationally 2.91%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.05% APY · checked 2 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
18 Month Growth CD
$500
2.50%
▼ 0.56% below Pennsylvania avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 0.56% below avgNationally 2.91%
Details
Compounded interest; Apply Online
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 10 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
18 Month Income CD
$5,000
2.47%
▼ 0.59% below Pennsylvania avg
▼
Rate2.47%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 0.59% below avgNationally 2.91%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
No change since Sep 24, 2026 · 2.47% APY · checked 10 times
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 18 Month
$500
2.10%
▼ 0.96% below Pennsylvania avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 0.96% below avgNationally 2.91%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 2.10% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 18-Month
$0
0.95%
▼ 2.11% below Pennsylvania avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 2.11% below avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 0.95% APY · checked 3 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
18 Month Certificate
$0
0.85%
▼ 2.21% below Pennsylvania avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average3.06%▼ 2.21% below avgNationally 2.91%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 0.85% APY · checked 6 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
18 Month Fixed IRA
$0
0.85%
▼ 2.21% below Pennsylvania avg
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average3.06%▼ 2.21% below avgNationally 2.91%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 0.85% APY · checked 7 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
18-Month CD
$0
0.35%
▼ 2.71% below Pennsylvania avg
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 2.71% below avgNationally 2.91%
Details
Minimum Balance to Obtain Annual Percentage Yield: $500
Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
18 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.01% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 3.01% below avgNationally 2.91%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.03% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 3.03% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 18 Months
$250
0.03%
▼ 3.03% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 3.03% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.04% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 3.04% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 18 Months
$250
0.02%
▼ 3.04% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 3.04% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.05% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 3.05% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 18 Months
$250
0.01%
▼ 3.05% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 3.05% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month SEP IRA Certificate
$0
4.50%
▲ 1.44% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.44% above avgNationally 2.91%
Details
IRA opened BEFORE November 1st, 2002
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 14, 20264.50%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month Traditional IRA Certificate
$0
4.50%
▲ 1.44% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.44% above avgNationally 2.91%
Details
IRA opened BEFORE November 1st, 2002
Rate History
1 change since Sep 19, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 14, 20264.50%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
18 Month CD Promo
$1,000
4.40%
▲ 1.34% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.34% above avgNationally 2.91%
Details
Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 4 times
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Promotion Certificate of Deposit - 18 Month CD
$1,000
4.40%
▲ 1.34% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.34% above avgNationally 2.91%
Details
Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.37%
▲ 1.31% above Pennsylvania avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.31% above avgNationally 2.91%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
18-Month CD
$25,000
4.35%
▲ 1.29% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.29% above avgNationally 2.91%
Details
Estimated earnings: $1,649; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio
Rate History
No change since Oct 31, 2026 · 4.35% APY
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
18-Month CD
$25,000
4.35%
▲ 1.29% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.29% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.35% APY
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 18 MONTH
$0
4.35%
▲ 1.29% above Pennsylvania avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.29% above avgNationally 2.91%
Details
Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 4 times
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
IRA Certificate - 18 Month
$500
4.33%
▲ 1.27% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.27% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.33% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.32%
▲ 1.26% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.26% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 18-Month
$500
4.30%
▲ 1.24% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 15, 20264.30%▲ from 4.05%
- Sep 20, 20264.05%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 18-Month
$500
4.30%
▲ 1.24% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo HSA Certificate - 18 Months - Special Relationship
$50,000
4.30%
▲ 1.24% above Pennsylvania avg
▼
Rate4.24%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details
Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.20% → 4.30% ▲ 1.10 pts · high 4.30% / low 3.20%
- Oct 26, 20264.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo IRA Certificate - 18 Months - Special Relationship
$0
4.30%
▲ 1.24% above Pennsylvania avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details
Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
MC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Jumbo Share Certificates - 18 Months - Special Relationship
$50,000
4.30%
▲ 1.24% above Pennsylvania avg
▼
Rate4.24%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details
Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27%
▲ 1.21% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.06%▲ 1.21% above avgNationally 2.91%
Details
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 3 times
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 1.21% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.06%▲ 1.21% above avgNationally 2.91%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 3 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month CD
$1,000
4.25%
▲ 1.19% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
First Keystone Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
Certificate of Deposit - 18 Months
$1,000
4.25%
▲ 1.19% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
First Keystone Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
Fixed Rate CD - 18 Months
$1,000
4.25%
▲ 1.19% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
9 through 60 month Certificates of Deposit - 18 month
$500
4.25%
▲ 1.19% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Balance: $50,000+; $500 minimum deposit to open
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 5 times
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificate - 18 Month
$500
4.25%
▲ 1.19% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Share Certificate
$500
4.25%
▲ 1.19% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details
Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
Warminster 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
24 Month TD Choice CD
$250
4.30%
▲ 1.41% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
24 Month TD Choice CD
$250
4.29%
▲ 1.40% above Pennsylvania avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.40% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
24 Month Certificate of Deposit
$500
4.28%
▲ 1.39% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.39% above avgNationally 2.91%
Details
Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.28% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
CD - 24 mos.
$500
4.28%
▲ 1.39% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.39% above avgNationally 2.91%
Details
Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 4.28% APY · checked 2 times
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
609 York Rd, Warminster, PA 18974
2 Year CD
$1,000
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Interest Compounded: Quarterly
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
24 Month Certificate
$0
4.10%
▲ 1.21% above Pennsylvania avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.21% above avgNationally 2.91%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
24 Month Bonus Business Certificate
$500
3.80%
▲ 0.91% above Pennsylvania avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 0.91% above avgNationally 2.91%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.74%; early withdrawal penalty 180 days of dividends
Rate History
No change since Oct 28, 2026 · 3.80% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
24 Month Business Certificate
$500
3.75%
▲ 0.86% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 0.86% above avgNationally 2.91%
Details
Dividend rate 3.69%; minimum $500 to open and earn standard APY; early withdrawal penalty 180 days of dividends
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
2 Year Jumbo Certificates
$0
3.35%
▲ 0.46% above Pennsylvania avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 0.46% above avgNationally 2.91%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.300%
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 2 year
$0
3.35%
▲ 0.46% above Pennsylvania avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 0.46% above avgNationally 2.91%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 23, 20263.35%▲ from 3.25%
- Sep 16, 20263.25%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 2 Year
$0
3.10%
▲ 0.21% above Pennsylvania avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 0.21% above avgNationally 2.91%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.10% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
824 E Street Rd, Warminster, PA 18974
2 Year Online CD
$0
3.00%
▲ 0.11% above Pennsylvania avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 0.11% above avgNationally 2.91%
Details
Interest rate 2.96%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 11 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
24 Month Growth CD
$500
2.25%
▼ 0.64% below Pennsylvania avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 0.64% below avgNationally 2.91%
Details
Compounded interest; Apply Online
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 10 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
24 Month Income CD
$5,000
2.23%
▼ 0.66% below Pennsylvania avg
▼
Rate2.23%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 0.66% below avgNationally 2.91%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
No change since Sep 24, 2026 · 2.23% APY · checked 10 times
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 24 Month
$500
2.10%
▼ 0.79% below Pennsylvania avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 0.79% below avgNationally 2.91%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 2.10% APY · checked 4 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
24 Month Certificate
$0
1.00%
▼ 1.89% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.89%▼ 1.89% below avgNationally 2.91%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
24 Month IRA
$0
1.00%
▼ 1.89% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.89%▼ 1.89% below avgNationally 2.91%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 7 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 24-Month
$0
0.95%
▼ 1.94% below Pennsylvania avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 1.94% below avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 0.95% APY · checked 3 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
Certificate of Deposit - 24-Month
$0
0.40%
▼ 2.49% below Pennsylvania avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.49% below avgNationally 2.91%
Details
Minimum Balance to Obtain Annual Percentage Yield: $500
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
24 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.84% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.84% below avgNationally 2.91%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 2.86% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.86% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 24 Months
$250
0.03%
▼ 2.86% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.86% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 2.87% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.87% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 24 Months
$250
0.02%
▼ 2.87% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.87% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 2.88% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.88% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 24 Months
$250
0.01%
▼ 2.88% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 2.88% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
2 Year (24 Month) Adjustable CD
$5,000
4.73%
▲ 1.84% above Pennsylvania avg
▼
Rate4.65%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.84% above avgNationally 2.91%
Details
Adjustable rate; Open account in person; see Determination of Rate and Schedule of Service Fees
Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
- Oct 7, 20264.73%▲ from 4.29%
- Sep 19, 20264.29%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
2 Year CD
$0
4.44%
▲ 1.55% above Pennsylvania avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.89%▲ 1.55% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.42%
▲ 1.53% above Pennsylvania avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.53% above avgNationally 2.91%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
24-Month CD
$25,000
4.40%
▲ 1.51% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.51% above avgNationally 2.91%
Details
Estimated earnings: $2,248; Minimum deposit $25,000 to open online; Not available to residents of Texas or Ohio
Rate History
No change since Oct 31, 2026 · 4.40% APY
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24-Month CD
$25,000
4.40%
▲ 1.51% above Pennsylvania avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.51% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.40% APY
Inspire Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificates - 24 Month Certificate
$500
4.40%
▲ 1.51% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.51% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.37%
▲ 1.48% above Pennsylvania avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.48% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
MERCK SHARP and DOHME Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo Certificates - 24-Month
$0
4.35%
▲ 1.46% above Pennsylvania avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.89%▲ 1.46% above avgNationally 2.91%
Details
Dividend Rate and APY as printed; rates effective as of 10/21/2026
Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 26, 20264.35%▲ from 4.15%
- Sep 18, 20264.15%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 24-Month
$500
4.30%
▲ 1.41% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details
Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 15, 20264.30%▲ from 4.05%
- Sep 20, 20264.05%▲ from 3.90%
- Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 24-Month
$500
4.30%
▲ 1.41% above Pennsylvania avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30%
▲ 1.41% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details
Balance: $250,000.01+; Dividend Earnings: $24,409.71; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 6 times
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 24 MONTH
$0
4.30%
▲ 1.41% above Pennsylvania avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.41% above avgNationally 2.91%
Details
Minimum deposit $500 consumers, $1,000 business/organizational, $250 under 18; penalty may be imposed for early withdrawal
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 4 times
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Business Share Certificate
$500
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Listed APY paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
- Sep 24, 20264.25%▲ from 3.15%
- Sep 18, 20263.15%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month IRA Share Certificate
$500
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
IRA; APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account
Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
- Sep 24, 20264.25%▲ from 3.15%
- Sep 18, 20263.15%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Share Certificate
$500
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
APY listed paid on $500 minimum balance; must open with $500 new money or have a First Harvest Checking Account; auto-renews at maturity
Rate History
1 change since Sep 24, 2026 · 4.17% → 4.25% ▲ 0.08 pts · high 4.25% / low 4.17%
- Oct 14, 20264.25%▲ from 4.17%
- Sep 24, 20264.17%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
IRA Share Certificate - 24 Month IRA
$0
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
APY listed paid on $500 minimum balance; Must open with $500 minimum in new money or have a First Harvest Checking Account
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
Share Certificate - 24 Month
$0
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Must open with $500 minimum in new money or have a First Harvest Checking Account
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month CD
$1,000
4.25%
▲ 1.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 13 times
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
24 Month CD
$0
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Rate History
1 change since Oct 15, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 23, 20264.25%▲ from 4.00%
- Oct 15, 20264.00%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Share Certificate
$500
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Certificate - 24 months
$500
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Regular & IRA (Traditional & Roth); penalty may be imposed for withdrawals before maturity
Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25%
▲ 1.36% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Balance: $100,000-$250,000; Dividend Earnings: $8,855.36; Dividend Earnings based on minimum tier balance; Rates effective as of September 15, 2026; Savings Certificate, Traditional IRA or Roth IRA options
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 6 times
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA 24 Month Certificate
$500
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
Share Certificate - 24 Month
$500
4.25%
▲ 1.36% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details
Rate History
1 change since Oct 9, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 26, 20264.25%▲ from 4.15%
- Oct 9, 20264.15%first recorded
Warminster 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
609 York Rd, Warminster, PA 18974
3 Year CD
$1,000
4.25%
▲ 1.49% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.76%▲ 1.49% above avgNationally 2.82%
Details
Interest Compounded: Quarterly
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
36 Month Certificate
$0
4.01%
▲ 1.25% above Pennsylvania avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.25% above avgNationally 2.82%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 4.01% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
36 Month Certificate of Deposit
$500
3.81%
▲ 1.05% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.05% above avgNationally 2.82%
Details
Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.81% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
CD - 36 mos.
$500
3.81%
▲ 1.05% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.05% above avgNationally 2.82%
Details
Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.81% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
36 Month Bonus Business Certificate
$500
3.80%
▲ 1.04% above Pennsylvania avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.04% above avgNationally 2.82%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.74%; early withdrawal penalty 365 days of dividends
Rate History
No change since Oct 28, 2026 · 3.80% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
36 Month Business Certificate
$500
3.75%
▲ 0.99% above Pennsylvania avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 0.99% above avgNationally 2.82%
Details
Dividend rate 3.69%; minimum $500 to open and earn standard APY; early withdrawal penalty 365 days of dividends
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
3 Year Jumbo Certificates
$0
3.45%
▲ 0.69% above Pennsylvania avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 0.69% above avgNationally 2.82%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.397%
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 3 year
$0
3.45%
▲ 0.69% above Pennsylvania avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 0.69% above avgNationally 2.82%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
- Oct 23, 20263.45%▲ from 3.35%
- Sep 16, 20263.35%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 3 Year
$0
3.20%
▲ 0.44% above Pennsylvania avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 0.44% above avgNationally 2.82%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.20% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
824 E Street Rd, Warminster, PA 18974
3 Year Online CD
$0
2.75%
▼ 0.01% below Pennsylvania avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 0.01% below avgNationally 2.82%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 36 Month
$500
2.10%
▼ 0.66% below Pennsylvania avg
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 0.66% below avgNationally 2.82%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 2.10% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
3 Year TD Choice CD
$250
2.00%
▼ 0.76% below Pennsylvania avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 0.76% below avgNationally 2.82%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
3 Year TD Choice CD
$250
1.99%
▼ 0.77% below Pennsylvania avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 0.77% below avgNationally 2.82%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 36-Month
$0
1.01%
▼ 1.75% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 1.75% below avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 1.01% APY · checked 3 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
36 Month Growth CD
$500
1.00%
▼ 1.76% below Pennsylvania avg
▼
Rate0.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 1.76% below avgNationally 2.82%
Details
Compounded interest; Apply Online
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 10 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
36 Month Certificate
$0
1.00%
▼ 1.76% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.76%▼ 1.76% below avgNationally 2.82%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
36 Month IRA
$0
1.00%
▼ 1.76% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.76%▼ 1.76% below avgNationally 2.82%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 7 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
36 Month Income CD
$5,000
0.99%
▼ 1.77% below Pennsylvania avg
▼
Rate0.99%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 1.77% below avgNationally 2.82%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
No change since Sep 24, 2026 · 0.99% APY · checked 10 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
Certificate of Deposit - 36 Month
$0
0.55%
▼ 2.21% below Pennsylvania avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.21% below avgNationally 2.82%
Details
Standard Rates; Minimum Balance to Obtain Annual Percentage Yield
Rate History
No change since Oct 20, 2026 · 0.55% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
36 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.71% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.71% below avgNationally 2.82%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.73% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.73% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 36 Months
$250
0.03%
▼ 2.73% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.73% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.74% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.74% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 36 Months
$250
0.02%
▼ 2.74% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.74% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 2.75% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.75% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 36 Months
$250
0.01%
▼ 2.75% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.75% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Year Adjustable CD
$1,000
4.81%
▲ 2.05% above Pennsylvania avg
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 2.05% above avgNationally 2.82%
Details
Adjustable rate; Not available for purchase effective June 7, 2022; see Schedule of Service Fees
Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
- Oct 4, 20264.81%▲ from 4.29%
- Sep 27, 20264.29%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Year Adjustable IRA
$1,000
4.81%
▲ 2.05% above Pennsylvania avg
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 2.05% above avgNationally 2.82%
Details
Adjustable rate; Not available for purchase effective June 7, 2022; see Schedule of Service Fees
Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
- Oct 4, 20264.81%▲ from 4.29%
- Sep 27, 20264.29%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.52%
▲ 1.76% above Pennsylvania avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.76% above avgNationally 2.82%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.52%
▲ 1.76% above Pennsylvania avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.76% above avgNationally 2.82%
Details
$100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.11% → 4.52% ▲ 0.41 pts · high 4.52% / low 4.11%
- Oct 20, 20264.52%▲ from 4.11%
- Sep 8, 20264.11%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50%
▲ 1.74% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.74% above avgNationally 2.82%
Details
Balance: $250,000.01+; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 6 times
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
3 Year CD
$0
4.49%
▲ 1.73% above Pennsylvania avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.76%▲ 1.73% above avgNationally 2.82%
Details
Rate History
No change since Oct 22, 2026 · 4.49% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.47%
▲ 1.71% above Pennsylvania avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.71% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.47% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.47%
▲ 1.71% above Pennsylvania avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.71% above avgNationally 2.82%
Details
Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
- Oct 20, 20264.47%▲ from 4.06%
- Sep 8, 20264.06%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45%
▲ 1.69% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.69% above avgNationally 2.82%
Details
Balance: $100,000-$250,000; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 6 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40%
▲ 1.64% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.64% above avgNationally 2.82%
Details
Balance: $10,000-$24,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 6 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.32%
▲ 1.56% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.56% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.32%
▲ 1.56% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.56% above avgNationally 2.82%
Details
Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
- Oct 20, 20264.32%▲ from 3.91%
- Sep 8, 20263.91%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30%
▲ 1.54% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.54% above avgNationally 2.82%
Details
Balance: $1,000-$9,999; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 6 times
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Traditional IRA Share Certificate
$0
4.28%
▲ 1.52% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.52% above avgNationally 2.82%
Details
Minimum balance for all Certificates is $500.
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
36 Month Certificate
$0
4.23%
▲ 1.47% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.47% above avgNationally 2.82%
Details
Featured rate, $50,000 minimum
Rate History
2 changes since Sep 27, 2026 · 3.76% → 4.23% ▲ 0.47 pts · high 4.23% / low 3.76%
- Oct 30, 20264.23%▲ from 3.86%
- Oct 10, 20263.86%▲ from 3.76%
- Sep 27, 20263.76%first recorded
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
Share Certificate - 36 Month
$50,000
4.23%
▲ 1.47% above Pennsylvania avg
▼
Rate4.16%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.47% above avgNationally 2.82%
Details
Pay monthly into Regular Share Account; $50,000 minimum deposit
Rate History
No change since Oct 30, 2026 · 4.23% APY
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Term Share Certificate
$1,000
4.21%
▲ 1.45% above Pennsylvania avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.45% above avgNationally 2.82%
Details
Rate History
1 change since Oct 22, 2026 · 3.74% → 4.21% ▲ 0.47 pts · high 4.21% / low 3.74%
- Oct 28, 20264.21%▲ from 3.74%
- Oct 22, 20263.74%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
36 Month Traditional IRA Share Certificate
$1,000
4.21%
▲ 1.45% above Pennsylvania avg
▼
Rate4.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.45% above avgNationally 2.82%
Details
Rate History
1 change since Oct 22, 2026 · 3.74% → 4.21% ▲ 0.47 pts · high 4.21% / low 3.74%
- Oct 28, 20264.21%▲ from 3.74%
- Oct 22, 20263.74%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Month Jumbo IRA Certificate
$100,000
4.20%
▲ 1.44% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.44% above avgNationally 2.82%
Details
Penalty for early withdrawal may apply; Rates in effect 10/19/2026
Rate History
1 change since Oct 8, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 23, 20264.20%▲ from 3.70%
- Oct 8, 20263.70%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
36 Month Jumbo Share Certificate
$0
4.20%
▲ 1.44% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 1.44% above avgNationally 2.82%
Details
Deposit rates in effect 10/19/2026
Rate History
1 change since Sep 25, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 23, 20264.20%▲ from 3.70%
- Sep 25, 20263.70%first recorded
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
Share Certificate - 36 Month
$25,000
4.19%
▲ 1.43% above Pennsylvania avg
▼
Rate4.13%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.43% above avgNationally 2.82%
Details
Pay monthly into Regular Share Account; $25,000 minimum deposit
Rate History
No change since Oct 30, 2026 · 4.19% APY
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Share Certificate
$0
4.18%
▲ 1.42% above Pennsylvania avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.42% above avgNationally 2.82%
Details
Minimum balance for all Certificates is $500.
Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 3 times
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit - 3 year
$1,000
4.16%
▲ 1.40% above Pennsylvania avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.40% above avgNationally 2.82%
Details
Rate History
No change since Oct 23, 2026 · 4.16% APY · checked 2 times
I B E W Local 56 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.76%
36 Month Certificate
$0
4.16%
▲ 1.40% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.76%▲ 1.40% above avgNationally 2.82%
Details
Featured rate, $1,000 minimum
Rate History
2 changes since Sep 27, 2026 · 3.70% → 4.16% ▲ 0.46 pts · high 4.16% / low 3.70%
- Oct 30, 20264.16%▲ from 3.80%
- Oct 10, 20263.80%▲ from 3.70%
- Sep 27, 20263.70%first recorded
Warminster 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
609 York Rd, Warminster, PA 18974
4 Year CD
$1,000
4.25%
▲ 1.61% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Interest Compounded: Quarterly
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
48 Month Certificate
$0
4.01%
▲ 1.37% above Pennsylvania avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.37% above avgNationally 2.81%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 4.01% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
48 Month Certificate of Deposit
$500
3.81%
▲ 1.17% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.17% above avgNationally 2.81%
Details
Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.81% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
CD - 48 mos.
$500
3.81%
▲ 1.17% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.17% above avgNationally 2.81%
Details
Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.81% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
48 Month Bonus Business Certificate
$500
3.65%
▲ 1.01% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.01% above avgNationally 2.81%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.59%; early withdrawal penalty 365 days of dividends
Rate History
No change since Oct 28, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
48 Month Business Certificate
$500
3.60%
▲ 0.96% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 0.96% above avgNationally 2.81%
Details
Dividend rate 3.55%; minimum $500 to open and earn standard APY; early withdrawal penalty 365 days of dividends
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
4 Year Jumbo Certificates
$0
3.50%
▲ 0.86% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 0.86% above avgNationally 2.81%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.445%
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 4 year
$0
3.50%
▲ 0.86% above Pennsylvania avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 0.86% above avgNationally 2.81%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 23, 20263.50%▲ from 3.40%
- Sep 16, 20263.40%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 4 Year
$0
3.25%
▲ 0.61% above Pennsylvania avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 0.61% above avgNationally 2.81%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
824 E Street Rd, Warminster, PA 18974
4 Year Online CD
$0
2.75%
▲ 0.11% above Pennsylvania avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.11% above avgNationally 2.81%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
4 Year TD Choice CD
$0
1.99%
▼ 0.65% below Pennsylvania avg
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 0.65% below avgNationally 2.81%
Details
No Longer for Sale
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 48 Month
$500
1.60%
▼ 1.04% below Pennsylvania avg
▼
Rate1.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 1.04% below avgNationally 2.81%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 1.60% APY · checked 4 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
48 Month Growth CD
$500
1.10%
▼ 1.54% below Pennsylvania avg
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 1.54% below avgNationally 2.81%
Details
Compounded interest; Apply Online
Rate History
No change since Sep 24, 2026 · 1.10% APY · checked 10 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
48 Month Income CD
$5,000
1.09%
▼ 1.55% below Pennsylvania avg
▼
Rate1.09%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 1.55% below avgNationally 2.81%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
No change since Sep 24, 2026 · 1.09% APY · checked 10 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 48-Month
$0
1.01%
▼ 1.63% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 1.63% below avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 1.01% APY · checked 3 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
48 Month Certificate
$0
1.00%
▼ 1.64% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.64%▼ 1.64% below avgNationally 2.81%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
48 Month IRA
$0
1.00%
▼ 1.64% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.64%▼ 1.64% below avgNationally 2.81%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 7 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
48-Month Certificate of Deposit
$0
0.80%
▼ 1.84% below Pennsylvania avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 1.84% below avgNationally 2.81%
Details
Minimum Balance to Obtain Annual Percentage Yield: $500
Rate History
No change since Sep 9, 2026 · 0.80% APY · checked 10 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
48 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.59% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 2.59% below avgNationally 2.81%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.61% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 2.61% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 48 Months
$250
0.03%
▼ 2.61% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 2.61% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.62% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 2.62% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 48 Months
$250
0.02%
▼ 2.62% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 2.62% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.63% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 2.63% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 48 Months
$250
0.01%
▼ 2.63% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 2.63% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60%
▲ 1.96% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.96% above avgNationally 2.81%
Details
Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 6 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.58%
▲ 1.94% above Pennsylvania avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.81%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.58%
▲ 1.94% above Pennsylvania avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.81%
Details
$100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
- Oct 20, 20264.58%▲ from 4.22%
- Sep 8, 20264.22%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55%
▲ 1.91% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.91% above avgNationally 2.81%
Details
Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 6 times
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
4 Year CD
$0
4.54%
▲ 1.90% above Pennsylvania avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.64%▲ 1.90% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.52%
▲ 1.88% above Pennsylvania avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.52%
▲ 1.88% above Pennsylvania avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
- Oct 20, 20264.52%▲ from 4.16%
- Sep 8, 20264.16%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50%
▲ 1.86% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.86% above avgNationally 2.81%
Details
Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 6 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40%
▲ 1.76% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.76% above avgNationally 2.81%
Details
Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026
Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 6 times
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Traditional IRA Share Certificate
$0
4.39%
▲ 1.75% above Pennsylvania avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.75% above avgNationally 2.81%
Details
Minimum balance for all Certificates is $500.
Rate History
No change since Oct 13, 2026 · 4.39% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.37%
▲ 1.73% above Pennsylvania avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.37%
▲ 1.73% above Pennsylvania avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
- Oct 20, 20264.37%▲ from 4.01%
- Sep 8, 20264.01%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Share Certificate
$0
4.28%
▲ 1.64% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.64% above avgNationally 2.81%
Details
Minimum balance for all Certificates is $500.
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 3 times
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
48 Month Term Share Certificate
$1,000
4.25%
▲ 1.61% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Rate History
1 change since Oct 22, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79%
- Oct 28, 20264.25%▲ from 3.79%
- Oct 22, 20263.79%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
48 Month Traditional IRA Share Certificate
$1,000
4.25%
▲ 1.61% above Pennsylvania avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.61% above avgNationally 2.81%
Details
Rate History
1 change since Oct 22, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79%
- Oct 28, 20264.25%▲ from 3.79%
- Oct 22, 20263.79%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificate of Deposit - 4 year
$2,000
4.21%
▲ 1.57% above Pennsylvania avg
▼
Rate4.15%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.57% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.21% APY · checked 2 times
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 48-Month
$1,000
4.15%
▲ 1.51% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.51% above avgNationally 2.81%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 20, 20264.15%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificate - 48-Month
$1,000
4.15%
▲ 1.51% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 1.51% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.13%
▲ 1.49% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.49% above avgNationally 2.81%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
- Oct 14, 20264.13%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 4 Years
$100,000
4.13%
▲ 1.49% above Pennsylvania avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.49% above avgNationally 2.81%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.13% APY · checked 3 times
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
CD Specials - 3 - 4 Year CD
$500
4.10%
▲ 1.46% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.46% above avgNationally 2.81%
Details
Minimum Opening Deposit $500.00
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 4 times
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
Certificates of Deposit - 3 - 4 Years
$500
4.10%
▲ 1.46% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.46% above avgNationally 2.81%
Details
Bump-Up: 1
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificate
$500
4.08%
▲ 1.44% above Pennsylvania avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.81%
Details
Penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 4 Years
$500
4.08%
▲ 1.44% above Pennsylvania avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.81%
Details
$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading
Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 4 Years
$500
4.08%
▲ 1.44% above Pennsylvania avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.81%
Details
Term Certificates $500 and Above; Penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
Warminster 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
609 York Rd, Warminster, PA 18974
5 Year CD
$1,000
4.25%
▲ 1.51% above Pennsylvania avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.74%▲ 1.51% above avgNationally 2.92%
Details
Interest Compounded: Quarterly
Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
10000 Anns Choice Way, Warminster, PA 18974
60 Month Certificate
$0
4.01%
▲ 1.27% above Pennsylvania avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.92%
Details
APY paid on $1,000 minimum balance
Rate History
No change since Oct 23, 2026 · 4.01% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
60 Month Certificate of Deposit
$500
3.81%
▲ 1.07% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.07% above avgNationally 2.92%
Details
Minimum $250 for Youth CD (25 or younger); Penalty required for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.81% APY · checked 2 times
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
626 Jacksonville Rd, Warminster, PA 18974 4862
CD - 60 mos.
$500
3.81%
▲ 1.07% above Pennsylvania avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.07% above avgNationally 2.92%
Details
Minimum $250 for Youth CD (25 or younger); Dividend rate and APY fixed for term; penalty for early withdrawal
Rate History
No change since Oct 26, 2026 · 3.81% APY · checked 2 times
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
60 Month Bonus Business Certificate
$500
3.65%
▲ 0.91% above Pennsylvania avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 0.91% above avgNationally 2.92%
Details
Bonus rate for deposits of $75,000 or more; dividend rate 3.59%; early withdrawal penalty 365 days of dividends
Rate History
No change since Oct 28, 2026 · 3.65% APY
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
836 W Street Rd, Warminster, PA 18974
60 Month Business Certificate
$500
3.60%
▲ 0.86% above Pennsylvania avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 0.86% above avgNationally 2.92%
Details
Dividend rate 3.55%; minimum $500 to open and earn standard APY; early withdrawal penalty 365 days of dividends
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
5 Year Jumbo Certificates
$0
3.55%
▲ 0.81% above Pennsylvania avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 0.81% above avgNationally 2.92%
Details
Jumbo Certificates $50,000 Minimum; Dividend Rate 3.494%
Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 4 times
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
IRA Certificates - 5 year
$0
3.55%
▲ 0.81% above Pennsylvania avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 0.81% above avgNationally 2.92%
Details
$1,000 Minimum
Rate History
1 change since Sep 16, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
- Oct 23, 20263.55%▲ from 3.50%
- Sep 16, 20263.50%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
505 W Street Rd, Warminster, PA 18974 3212
Certificate - 5 Year
$0
3.30%
▲ 0.56% above Pennsylvania avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 0.56% above avgNationally 2.92%
Details
Balance: $1,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.30% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
824 E Street Rd, Warminster, PA 18974
5 Year Online CD
$0
2.75%
▲ 0.01% above Pennsylvania avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.92%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
824 E Street Rd, Warminster, PA 18974
Online CD - 5 Year
$0
2.75%
▲ 0.01% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.92%
Details
Online CD; Open online; APY accurate as of 07/28/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
5 Year TD Choice CD
$250
2.00%
▼ 0.74% below Pennsylvania avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 0.74% below avgNationally 2.92%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
450 York Rd, Warminster, PA 18974
5 Year TD Choice CD
$250
1.99%
▼ 0.75% below Pennsylvania avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 0.75% below avgNationally 2.92%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
First Bank (NJ)
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
356 York Rd, Warminster, PA 18974
Certificate of Deposit - 60 Month
$500
1.60%
▼ 1.14% below Pennsylvania avg
▼
Rate1.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.14% below avgNationally 2.92%
Details
Regular & IRA CD; Monthly Service Fees: N/A
Rate History
No change since Oct 20, 2026 · 1.60% APY · checked 4 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
60 Month Growth CD
$500
1.25%
▼ 1.49% below Pennsylvania avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.49% below avgNationally 2.92%
Details
Compounded interest; Apply Online
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 10 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
60 Month Certificate
$0
1.25%
▼ 1.49% below Pennsylvania avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.74%▼ 1.49% below avgNationally 2.92%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 6 times
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
601 Louis Dr, Warminster, PA 18974
60 Month IRA
$0
1.25%
▼ 1.49% below Pennsylvania avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.74%▼ 1.49% below avgNationally 2.92%
Details
Crediting Frequency: End Of Month
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 7 times
QNB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
1402 W Street Rd, Warminster, PA 18974
60 Month Income CD
$5,000
1.24%
▼ 1.50% below Pennsylvania avg
▼
Rate1.24%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.50% below avgNationally 2.92%
Details
Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table
Rate History
No change since Sep 24, 2026 · 1.24% APY · checked 10 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
603 York Rd, Warminster, PA 18974
Certificate of Deposit - 60-Month
$0
1.01%
▼ 1.73% below Pennsylvania avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.73% below avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 1.01% APY · checked 3 times
First National Bank & Trust Co of Newtown
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
910 W Street Rd, Warminster, PA 18974
Certificate of Deposit - 60-Month
$0
0.95%
▼ 1.79% below Pennsylvania avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.79% below avgNationally 2.92%
Details
Minimum Balance to Obtain Annual Percentage Yield: $500
Rate History
No change since Oct 14, 2026 · 0.95% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
320 W Street Rd, Warminster, PA 18974
60 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.69% below Pennsylvania avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.69% below avgNationally 2.92%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 2.71% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.71% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 60 Months
$250
0.03%
▼ 2.71% below Pennsylvania avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.71% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 2.72% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.72% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 60 Months
$250
0.02%
▼ 2.72% below Pennsylvania avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.72% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 2.73% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.73% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
521 York Rd, Warminster, PA 18974
IRA CD 60 Months
$250
0.01%
▼ 2.73% below Pennsylvania avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.73% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.81%
▲ 2.07% above Pennsylvania avg
▼
Rate4.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 2.07% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.81% APY · checked 4 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.66%
▲ 1.92% above Pennsylvania avg
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.92% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.66% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.63%
▲ 1.89% above Pennsylvania avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.89% above avgNationally 2.92%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.63% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.63%
▲ 1.89% above Pennsylvania avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.89% above avgNationally 2.92%
Details
$100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
- Oct 20, 20264.63%▲ from 4.27%
- Sep 8, 20264.27%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60%
▲ 1.86% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.86% above avgNationally 2.92%
Details
Balance: $250,000.01 and over; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.60% APY · checked 4 times
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
5 Year CD
$0
4.59%
▲ 1.85% above Pennsylvania avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average2.74%▲ 1.85% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.59% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.58%
▲ 1.84% above Pennsylvania avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.84% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.58%
▲ 1.84% above Pennsylvania avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.84% above avgNationally 2.92%
Details
Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
- Oct 20, 20264.58%▲ from 4.22%
- Sep 8, 20264.22%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.56%
▲ 1.82% above Pennsylvania avg
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.82% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.56% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55%
▲ 1.81% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.81% above avgNationally 2.92%
Details
Balance: $100,000-$250,000; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.55% APY · checked 4 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50%
▲ 1.76% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.76% above avgNationally 2.92%
Details
Balance: $10,000-$24,999; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 4 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.45%
▲ 1.71% above Pennsylvania avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.71% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 4 times
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
60 Month Traditional IRA Share Certificate
$0
4.44%
▲ 1.70% above Pennsylvania avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.70% above avgNationally 2.92%
Details
Minimum balance for all Certificates is $500.
Rate History
No change since Oct 13, 2026 · 4.44% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.42%
▲ 1.68% above Pennsylvania avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.68% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.42%
▲ 1.68% above Pennsylvania avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.68% above avgNationally 2.92%
Details
Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
- Oct 20, 20264.42%▲ from 4.06%
- Sep 8, 20264.06%first recorded
Inspire Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
Share Certificates - 60 Month Certificate
$500
4.40%
▲ 1.66% above Pennsylvania avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 3 times
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40%
▲ 1.66% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.92%
Details
Balance: $1,000-$9,999; Rates effective as of September 16, 2026
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.40%
▲ 1.66% above Pennsylvania avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
60 Month Share Certificate
$0
4.33%
▲ 1.59% above Pennsylvania avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.59% above avgNationally 2.92%
Details
Minimum balance for all Certificates is $500.
Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 3 times
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
60 Month Jumbo IRA Certificate
$100,000
4.30%
▲ 1.56% above Pennsylvania avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.56% above avgNationally 2.92%
Details
Penalty for early withdrawal may apply; Rates in effect 10/19/2026
Rate History
1 change since Oct 8, 2026 · 3.75% → 4.30% ▲ 0.55 pts · high 4.30% / low 3.75%
- Oct 23, 20264.30%▲ from 3.75%
- Oct 8, 20263.75%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
60 Month Jumbo Share Certificate
$0
4.30%
▲ 1.56% above Pennsylvania avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.56% above avgNationally 2.92%
Details
Deposit rates in effect 10/19/2026
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.30% ▲ 0.55 pts · high 4.30% / low 3.75%
- Oct 23, 20264.30%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month Term Share Certificate
$1,000
4.28%
▲ 1.54% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.54% above avgNationally 2.92%
Details
Rate History
1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85%
- Oct 28, 20264.28%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month Traditional IRA Share Certificate
$1,000
4.28%
▲ 1.54% above Pennsylvania avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 1.54% above avgNationally 2.92%
Details
Rate History
1 change since Oct 22, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85%
- Oct 28, 20264.28%▲ from 3.85%
- Oct 22, 20263.85%first recorded
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Warminster, PA CD Rate Trends
Compare local Warminster, PA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD PA Avg
3.046%
▲ 0.045 vs 7 days ago
Pennsylvania 12-month CD rates rose 0.045 points over the past 7 days to 3.046% APY.
6-Month CD PA Avg
2.845%
▲ 0.051 vs 7 days ago
Pennsylvania 6-month CD rates rose 0.051 points over the past 7 days to 2.845% APY.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
PA CD Rate Forecast, Next 12 Months
Where are Pennsylvania CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
PA 12-Month Avg APY
3.046%
6-Month Forecast
3.046%
Range: 2.85%, 3.20%
12-Month Forecast
3.296%
Range: 3.10%, 3.45%
Powered by
MonitorBankRates
What Your Savings Earn at PA CD Rates Today
Annual interest earnings at today’s Pennsylvania average APYs. State average used where available; national average as fallback.
| CD Term | PA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.816% | $90.81 | $181.61 | $454.03 | $908.05 |
| 6-Month CD | 2.845% | $142.25 | $284.50 | $711.25 | $1,422.50 |
| 12-Month CD | 3.046% | $152.28 | $304.56 | $761.40 | $1,522.80 |
| 18-Month CD | 3.061% | $153.04 | $306.07 | $765.18 | $1,530.35 |
| 24-Month CD | 2.886% | $144.31 | $288.62 | $721.55 | $1,443.10 |
| 36-Month CD | 2.757% | $137.83 | $275.66 | $689.15 | $1,378.30 |
| 48-Month CD | 2.636% | $131.78 | $263.55 | $658.88 | $1,317.75 |
| 60-Month CD | 2.740% | $137.01 | $274.01 | $685.03 | $1,370.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Warminster, Pennsylvania Savers
$25,000 split equally across 5 terms using today’s Pennsylvania average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | PA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.816% | $90.81 |
| 2 | 6-Month CD | $5,000 | 2.845% | $142.25 |
| 3 | 12-Month CD | $5,000 | 3.046% | $152.28 |
| 4 | 24-Month CD | $5,000 | 2.886% | $144.31 |
| 5 | 36-Month CD | $5,000 | 2.757% | $137.83 |
| Total ($25,000 invested) | $25,000 | 2.670% blended | $667.48/yr | |
Ladder example uses equal $5,000 rungs and Pennsylvania average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Powered byMonitorBankRates
2,664
CD Rates
Tracked in Warminster, Pennsylvania
Tracked in Warminster, Pennsylvania
53 Banks
80 Credit Unions
About Our Warminster, Pennsylvania CD Rate Database
MonitorBankRates tracks 2,664 CD rates from 53 banks and 80 credit unions with locations in Warminster, 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: TD Bank offers a CD at 4.30% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Warminster, Pennsylvania.
How to Find the Best CD Rates in Warminster, Pennsylvania
What to compare when shopping for a CD in Warminster, Pennsylvania
To find the best APYs in Warminster, Pennsylvania, start with credit unions and online-only banks: Warminster, Pennsylvania has 80 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 Warminster, 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 Warminster, Pennsylvania: 133 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Warminster, Pennsylvania savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Warminster, Pennsylvania money market rates
Pennsylvania Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
19.5%
National avg: 17.3%
Median Individual Earnings
$46,676
National avg: $47,340
Poverty Rate
11.7%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$142/yr
At PA 12-mo avg 3.046% APY
19.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s PA 12-month CD average of 3.046%, saving 10% of the local median salary ($4,667/year) and putting it in a CD would earn an additional $142 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Warminster, Pennsylvania
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Warminster, 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 Warminster, Pennsylvania as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Warminster, Pennsylvania savers easier access to their funds. For example, Freedom Credit Union is offering its 6 Month Certificate of Deposit at 4.12% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hatboro Federal Savings is offering its 5 Year CD at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
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 Warminster, Pennsylvania saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Warminster, Pennsylvania CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a Warminster, 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 Warminster, Pennsylvania
What are CD rates in Warminster, Pennsylvania today?
Warminster, Pennsylvania CD rates range from 0.01% to 4.81% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.30% APY at TD Bank (24 Month TD Choice CD), 4.28% at Freedom Credit Union (24 Month Certificate of Deposit) and 4.25% at Hatboro Federal Savings (1 Year CD), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Warminster, Pennsylvania FDIC insured?
Yes, most established banks in Warminster, 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 Warminster, 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 Warminster, 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 Warminster, 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 Warminster, Pennsylvania?
Here are recent top rates found for this area:
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- Freedom Credit Union: 4.28% APY (24 Month Certificate of Deposit)
- Hatboro Federal Savings: 4.25% APY (1 Year CD)
- American Heritage Federal Credit Union: 4.20% APY (12 Month IRA Certificate)
- Santander Bank: 4.00% APY (18-Month CD)
- Citadel Federal Credit Union: 3.80% APY (24 Month Bonus Business Certificate)
- Police And Fire Federal Credit Union: 3.55% APY (5 Year Jumbo Certificates)
- Citizens Access: 3.25% APY (1 Year Online CD)
- Truist: 3.25% APY (CD 12 Month)
- QNB Bank: 3.25% APY (6 Month Growth CD)
Rates reflect recent verified offers available in Warminster, Pennsylvania. Last Updated: October 31, 2026
Warminster, 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 Warminster, Pennsylvania rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Warminster, Pennsylvania
Warminster, Pennsylvania CD Calculator
At today’s PA top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Warminster, Pennsylvania CD LadderPA CD rates currently range from 1.816% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Warminster, Pennsylvania CD at 4.30% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsPennsylvania’s average 12-month CD is 3.046% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Warminster, 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 Warminster, 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 Warminster, Pennsylvania. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026
Warminster, Pennsylvania Rates & Resources
Warminster, Pennsylvania Mortgage Rates
Warminster, Pennsylvania Refinance Rates
Warminster, Pennsylvania Home Equity Loan Rates
Warminster, Pennsylvania Savings Rates
Warminster, Pennsylvania Money Market Rates
Warminster, Pennsylvania Checking Rates
Warminster, Pennsylvania Auto Loan Rates
Warminster, Pennsylvania Personal Loan Rates
Warminster, Pennsylvania Homeowners Insurance
Warminster, Pennsylvania Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking