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CD Rate Trends

Williamsport, Pennsylvania Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Williamsport, Pennsylvania CD rates range from 0.01% to 4.81% APY, verified by MonitorBankRates as of October 31, 2026. Current Williamsport, Pennsylvania CD rates include Citizens & Northern Bank C&NCitizens & Northern Bank C&N130 Court St, Williamsport, PA 17701A5.0 ★Texas Ratio: 10.85%Real return: +0.93%APY minus CPIRate verified Oct 31, 2026 offering Certificate of Deposit - 60 Months at 4.63% APY, First Harvest Federal Credit UnionFirst Harvest Federal Credit Union1935 E 3rd St, Williamsport, PA 17701A5.0 ★Texas Ratio: 8.18%Real return: +0.55%APY minus CPIRate verified Oct 31, 2026 offering 24 Month Business Share Certificate at 4.25% APY, Journey BankJourney Bank201 S Market St, Williamsport, PA 17702A+5.0 ★Texas Ratio: 4.57%Real return: +0.55%APY minus CPIRate verified Oct 31, 2026 offering 9 through 60 month Certificates of Deposit - 18 month at 4.25% APY, Service 1st Federal Credit UnionService 1st Federal Credit Union814 Westminster Dr, Williamsport, PA 17701A+5.0 ★Texas Ratio: 3.66%Real return: +0.30%APY minus CPIRate verified Oct 29, 2026 offering Certificates - 12 month at 4.00% APY, and M&T BankM&T Bank2001 W 4th St, Williamsport, PA 17701A+5.0 ★Texas Ratio: 4.11%Real return: +0.15%APY minus CPIRate verified Oct 31, 2026 offering 18 Month Select Certificate of Deposit at 3.85% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Williamsport has 238 local institutions in our database, with CD rates as high as 4.63% APY from Citizens & Northern Bank C&N at 130 Court St, Williamsport, PA 17701. 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 Williamsport, Pennsylvania & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Williamsport 3 Month CD Rates

Pennsylvania 3 Month CD Average1.82% APYNational 2.13%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
3 Month Business Share Certificate
$500
0.90% ▼ 0.92% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 0.92% below avgNationally 2.13%
Details

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

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 8 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
3 Month IRA Share Certificate
$500
0.90% ▼ 0.92% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 0.92% below avgNationally 2.13%
Details

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

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 9 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
3 Month Share Certificate
$500
0.90% ▼ 0.92% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 0.92% below avgNationally 2.13%
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
No change since Oct 14, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 14, 2026: 0.90% APYOct 14, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 3 Month IRA
$0
0.90% ▼ 0.92% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 0.92% below avgNationally 2.13%
Details

APY listed paid on $500 minimum balance

Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 20, 2026: 0.90% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 3 Month
$0
0.90% ▼ 0.92% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average1.82%▼ 0.92% below avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 20, 2026: 0.90% APYOct 20, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 3-Month
$0
0.70% ▼ 1.12% below Pennsylvania avg
View
▼
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
0.20%0.70%1.20%Oct 20, 2026: 0.70% APYOct 20, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 3 month
$0
0.50% ▼ 1.32% below Pennsylvania avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▼ 1.32% below avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
3 Month Personal Certificate of Deposit
$0
0.05% ▼ 1.77% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 1.79% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 1.80% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 1.81% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 3 Month
$0
4.31% ▲ 2.49% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average1.82%▲ 2.49% above avgNationally 2.13%
Details

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

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

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

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

Interest compounded daily; Minimum Deposit $500

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

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

Penalty for early withdrawal

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

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

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

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

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

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

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

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

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

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

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

Early withdrawal penalties apply

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

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

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

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

Certificates of Deposit - Effective Wednesday, October 28, 2026

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

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

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

Jumbo CD (Above $75,000)

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

Jumbo CDs (Above $75,000)

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

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

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

Dividend rate and APY fixed for the term of the account

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

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

Regular CD

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

Regular CDs

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

APY paid on $1,000 minimum balance

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

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

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

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

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

Balance: $75,000.00 and over

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

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

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

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

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

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

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

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

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

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

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

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

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

Balance: $10,000.00 - $74,999.99

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

Certificates of Deposit Promo Rates

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
Clarion County Community Bank
Institution Rating:
A4.8 ★Texas Ratio: 9.68%
3 Month Certificate of Deposit - With Relationship
$0
3.45% ▲ 1.63% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average1.82%▲ 1.63% above avgNationally 2.13%
Details

APY with relationship; $500 minimum deposit required to obtain APY

Rate History
No change since Oct 21, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 21, 2026: 3.45% APYOct 21, 2026Oct 31, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
3-month Certificate
$500
3.45% ▲ 1.63% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average1.82%▲ 1.63% above avgNationally 2.13%
Details

Rates valid as of October 26, 2026

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

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 31, 2026

Williamsport 6 Month CD Rates

Pennsylvania 6 Month CD Average2.85% APYNational 2.79%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$0
3.96% ▲ 1.11% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.11% above avgNationally 2.79%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Oct 20, 2026: 3.96% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$0
3.91% ▲ 1.07% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 1.07% above avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$0
3.75% ▲ 0.90% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 0.90% above avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 6 month
$0
3.75% ▲ 0.90% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 0.90% above avgNationally 2.79%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
IRA 6 month
$0
3.75% ▲ 0.90% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.85%▲ 0.90% above avgNationally 2.79%
Details

Penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$0
3.44% ▲ 0.59% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 0.59% above avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.44% APY · checked 4 times
2.94%3.44%3.94%Oct 20, 2026: 3.44% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$0
3.29% ▲ 0.44% above Pennsylvania avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 0.44% above avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Oct 20, 2026: 3.29% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
3 and 6 month Certificates of Deposit
$500
3.25% ▲ 0.40% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 0.40% above avgNationally 2.79%
Details

Balance: $50,000+

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
3 and 6 month Certificates of Deposit
$500
3.00% ▲ 0.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▲ 0.15% above avgNationally 2.79%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
6 Month Share Certificate
$500
3.00% ▲ 0.15% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.85%▲ 0.15% above avgNationally 2.79%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.00% APY · checked 10 times
2.50%3.00%3.50%Sep 12, 2026: 3.00% APYSep 12, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
3 and 6 month Certificates of Deposit
$500
2.75% ▼ 0.10% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 0.10% below avgNationally 2.79%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
3 and 6 month Certificates of Deposit
$500
1.00% ▼ 1.85% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 1.85% below avgNationally 2.79%
Details

Balance: $50,000+

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
6 Month Business Share Certificate
$500
0.90% ▼ 1.95% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 1.95% below avgNationally 2.79%
Details

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

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 8 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
6 Month IRA Share Certificate
$500
0.90% ▼ 1.95% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 1.95% below avgNationally 2.79%
Details

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

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 9 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
6 Month Share Certificate
$500
0.90% ▼ 1.95% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 1.95% below avgNationally 2.79%
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
No change since Oct 14, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 14, 2026: 0.90% APYOct 14, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 6 Month IRA
$0
0.90% ▼ 1.95% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 1.95% below avgNationally 2.79%
Details

APY listed paid on $500 minimum balance

Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 20, 2026: 0.90% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 6 Month
$0
0.90% ▼ 1.95% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 1.95% below avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 20, 2026: 0.90% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
3 and 6 month Certificates of Deposit
$500
0.75% ▼ 2.10% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.10% below avgNationally 2.79%
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Oct 14, 2026: 0.75% APYOct 14, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 6-Month
$0
0.70% ▼ 2.15% below Pennsylvania avg
View
▼
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
0.20%0.70%1.20%Oct 20, 2026: 0.70% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
3 and 6 month Certificates of Deposit
$500
0.50% ▼ 2.35% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.85%▼ 2.35% below avgNationally 2.79%
Details

Balance: $500 - $9,999.99

Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
6 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.80% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.82% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 6 Months
$250
0.03% ▼ 2.82% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.83% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 6 Months
$250
0.02% ▼ 2.83% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.84% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 6 Months
$250
0.01% ▼ 2.84% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 6 Month
$0
4.45% ▲ 1.61% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.61% above avgNationally 2.79%
Details

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Rate History
1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 19, 2026: 3.80% APYOct 14, 2026: 4.10% APYSep 19, 2026Oct 31, 2026
  • Oct 14, 20264.10%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 6 Months
$10,000
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
Rate4.06%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 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 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Business Certificate of Deposit - 6 Month
$500
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 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 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
Certificates of Deposit - 6 Month
$500
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details

Rate History
No change since Oct 21, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 21, 2026: 4.10% APYOct 21, 2026Oct 31, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
6 Month Share Certificate - Level 6
$100,000
4.10% ▲ 1.25% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.85%▲ 1.25% above avgNationally 2.79%
Details

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

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

A penalty will apply for early withdrawal

Rate History
No change since Oct 29, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 29, 2026: 4.06% APYOct 29, 2026Oct 31, 2026
Hometown Bank of PA
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
Certificate of Deposit - 6 months
$1,000
4.05% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average2.85%▲ 1.20% above avgNationally 2.79%
Details

Fixed Rate

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

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

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

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

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

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

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

Certificate Rates - Effective October 29, 2026

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

Fees:

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

Fees:; Minimum $500 required to open a CD

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026

Williamsport 12 Month CD Rates

Pennsylvania 12 Month CD Average3.05% APYNational 3.01%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$0
4.27% ▲ 1.22% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.22% above avgNationally 3.01%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.27% APY · checked 4 times
3.77%4.27%4.77%Oct 20, 2026: 4.27% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$0
4.22% ▲ 1.17% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.17% above avgNationally 3.01%
Details

Rate History
No change since Oct 20, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Oct 20, 2026: 4.22% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$0
4.06% ▲ 1.01% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.01% above avgNationally 3.01%
Details

Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Oct 20, 2026: 4.06% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 12 month
$500
4.00% ▲ 0.95% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 0.95% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 12 month
$0
4.00% ▲ 0.95% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 0.95% above avgNationally 3.01%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
IRA 12 month
$0
4.00% ▲ 0.95% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 0.95% above avgNationally 3.01%
Details

Penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$0
3.75% ▲ 0.70% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 0.70% above avgNationally 3.01%
Details

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 12 month
$500
3.75% ▲ 0.70% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 0.70% above avgNationally 3.01%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$0
3.60% ▲ 0.55% above Pennsylvania avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 0.55% above avgNationally 3.01%
Details

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
12 Month Share Certificate
$500
3.50% ▲ 0.45% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 0.45% above avgNationally 3.01%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 11 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
Share Certificate - 12 months
$500
3.50% ▲ 0.45% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.05%▲ 0.45% above avgNationally 3.01%
Details

Add 10BP over $25,000.00

Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 23, 2026: 3.50% APYOct 23, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Hybrid Advantage Certificate - 12 Month
$0
3.29% ▲ 0.24% above Pennsylvania avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.05%▲ 0.24% above avgNationally 3.01%
Details

Dividend rate may change quarterly; if balance falls below $5,000 the dividend rate changes to the current Regular Savings dividend rate; penalty for withdrawals exceeding one withdrawal per calendar quarter

Rate History
No change since Oct 13, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Oct 13, 2026: 3.29% APYOct 13, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
CD 12 Month
$0
3.25% ▲ 0.20% above Pennsylvania avg
View
▼
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
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 12 month
$500
3.25% ▲ 0.20% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 0.20% above avgNationally 3.01%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 12 month
$500
2.75% ▼ 0.30% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 0.30% below avgNationally 3.01%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
Promotional Certificate of Deposit - 12 Month No Penalty
$5,000
1.51% ▼ 1.54% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 1.54% below avgNationally 3.01%
Details

Balance: $5,000+; No penalty

Rate History
No change since Oct 20, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Oct 20, 2026: 1.51% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
12 Month Business Share Certificate
$500
0.90% ▼ 2.15% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.15% below avgNationally 3.01%
Details

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

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 8 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
12 Month IRA Share Certificate
$500
0.90% ▼ 2.15% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.15% below avgNationally 3.01%
Details

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

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 9 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
12 Month Share Certificate
$500
0.90% ▼ 2.15% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.15% below avgNationally 3.01%
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
No change since Oct 14, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 14, 2026: 0.90% APYOct 14, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 12 Month IRA
$0
0.90% ▼ 2.15% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.15% below avgNationally 3.01%
Details

APY listed paid on $500 minimum balance

Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 20, 2026: 0.90% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 12 Month
$0
0.90% ▼ 2.15% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▼ 2.15% below avgNationally 3.01%
Details

Rate History
No change since Oct 20, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 20, 2026: 0.90% APYOct 20, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 12-Month
$0
0.70% ▼ 2.35% below Pennsylvania avg
View
▼
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
0.20%0.70%1.20%Oct 20, 2026: 0.70% APYOct 20, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
12 Month Personal Certificate of Deposit
$0
0.05% ▼ 3.00% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$1,000
0.03% ▼ 3.02% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 12 Months
$250
0.03% ▼ 3.02% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$1,000
0.02% ▼ 3.03% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 12 Months
$250
0.02% ▼ 3.03% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 12 Months
$1,000
0.01% ▼ 3.04% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 12 Months
$250
0.01% ▼ 3.04% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
Atlantic Community Bankers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
CD 1 Year
$0
4.66% ▲ 1.61% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average3.05%▲ 1.61% above avgNationally 3.01%
Details

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

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

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

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

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

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

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

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

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

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

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

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

Dividend Rate 4.210%; APY 4.30%

Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 31, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
1 Year CD
$1,000
4.25% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Pennsylvania Average3.05%▲ 1.20% above avgNationally 3.01%
Details

Interest Compounded: Quarterly

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

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

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

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

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

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

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

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

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

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

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

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

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

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Oct 15, 2026 · 3.87% → 4.24% ▲ 0.37 pts · high 4.24% / low 3.87%
3.37%4.06%4.74%Oct 15, 2026: 3.87% APYOct 23, 2026: 4.24% APYOct 15, 2026Oct 31, 2026
  • Oct 23, 20264.24%▲ from 3.87%
  • Oct 15, 20263.87%first recorded
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Ladder CD 1 Year
$10,000
4.22% ▲ 1.17% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Pennsylvania Average3.05%▲ 1.17% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 21, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 21, 2026: 4.22% APYOct 21, 2026Oct 31, 2026
Iron Workers SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 12 Month
$250
4.20% ▲ 1.15% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.05%▲ 1.15% above avgNationally 3.01%
Details

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

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

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

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.20% ▲ 0.29 pts · high 4.20% / low 3.91%
3.41%4.06%4.70%Sep 14, 2026: 3.91% APYSep 18, 2026: 4.10% APYOct 23, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%▲ from 3.91%
  • Sep 14, 20263.91%first recorded

Williamsport 18 Month CD Rates

Pennsylvania 18 Month CD Average3.06% APYNational 2.91%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$0
4.37% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.31% above avgNationally 2.91%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$0
4.32% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.26% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Oct 20, 2026: 4.32% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 18 month
$500
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$0
4.16% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.16% APY · checked 4 times
3.66%4.16%4.66%Oct 20, 2026: 4.16% APYOct 20, 2026Oct 31, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2001 W 4th St, Williamsport, PA 17701
18 Month Select Certificate of Deposit
$1,000
3.85% ▲ 0.79% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.79% above avgNationally 2.91%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Rates may vary by ZIP code

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 31, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2001 W 4th St, Williamsport, PA 17701
18-Month M&T Select CD
$1,000
3.85% ▲ 0.79% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.79% above avgNationally 2.91%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 11 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$0
3.85% ▲ 0.79% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.79% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 18 month
$500
3.75% ▲ 0.69% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.69% above avgNationally 2.91%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$0
3.70% ▲ 0.64% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.64% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
18 Month Business Share Certificate
$500
3.60% ▲ 0.54% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.54% 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
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
18 Month IRA Share Certificate
$500
3.60% ▲ 0.54% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.54% 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
No change since Sep 18, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
18 Month Share Certificate
$500
3.60% ▲ 0.54% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.54% 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 · 3.54% → 3.60% ▲ 0.06 pts · high 3.60% / low 3.54%
3.04%3.57%4.10%Sep 24, 2026: 3.54% APYOct 14, 2026: 3.60% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20263.60%▲ from 3.54%
  • Sep 24, 20263.54%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 18 Month IRA
$0
3.60% ▲ 0.54% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.54% above avgNationally 2.91%
Details

APY listed paid on $500 minimum balance

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 18 Month
$0
3.60% ▲ 0.54% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.54% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
18 Month Share Certificate
$500
3.50% ▲ 0.44% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 0.44% above avgNationally 2.91%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 11 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
Share Certificate - 18 months
$500
3.50% ▲ 0.44% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 0.44% above avgNationally 2.91%
Details

Add 10BP over $25,000.00

Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 23, 2026: 3.50% APYOct 23, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 18 month
$500
3.25% ▲ 0.19% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 0.19% above avgNationally 2.91%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 18 month
$500
2.75% ▼ 0.31% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 0.31% below avgNationally 2.91%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
IRA Accounts - 18 month
$100
1.55% ▼ 1.51% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▼ 1.51% below avgNationally 2.91%
Details

Balance: $100.00 and over

Rate History
No change since Sep 8, 2026 · 1.55% APY · checked 10 times
1.05%1.55%2.05%Sep 8, 2026: 1.55% APYSep 8, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 18-Month
$0
0.95% ▼ 2.11% below Pennsylvania avg
View
▼
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
0.45%0.95%1.45%Oct 20, 2026: 0.95% APYOct 20, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 18 month
$0
0.90% ▼ 2.16% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▼ 2.16% below avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Oct 13, 2026: 0.90% APYOct 13, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
IRA 18 month
$0
0.90% ▼ 2.16% below Pennsylvania avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average3.06%▼ 2.16% below avgNationally 2.91%
Details

Penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Oct 15, 2026: 0.90% APYOct 15, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
18 Month Personal Certificate of Deposit
$0
0.05% ▼ 3.01% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 3.03% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 18 Months
$250
0.03% ▼ 3.03% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 3.04% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 18 Months
$250
0.02% ▼ 3.04% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 3.05% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 18 Months
$250
0.01% ▼ 3.05% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month SEP IRA Certificate
$0
4.50% ▲ 1.44% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.44% above avgNationally 2.91%
Details

IRA opened BEFORE November 1st, 2002

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

IRA opened BEFORE November 1st, 2002

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

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

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

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

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
18-Month CD
$25,000
4.35% ▲ 1.29% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.29% above avgNationally 2.91%
Details

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

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

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

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

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

Rate History
No change since Oct 20, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Oct 20, 2026: 4.33% APYOct 20, 2026Oct 31, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificate - 18-Month
$500
4.30% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average3.06%▲ 1.24% above avgNationally 2.91%
Details

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificate - 18 Month
$500
4.25% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average3.06%▲ 1.19% above avgNationally 2.91%
Details

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

Interest Compounded: Quarterly

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 20, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 20, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%first recorded

Williamsport 24 Month CD Rates

Pennsylvania 24 Month CD Average2.89% APYNational 2.91%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$0
4.42% ▲ 1.53% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.53% above avgNationally 2.91%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
3.92%4.42%4.92%Oct 20, 2026: 4.42% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$0
4.37% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.48% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
24 Month Business Share Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
24 Month IRA Share Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
24 Month Share Certificate
$500
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 24, 2026 · 4.17% → 4.25% ▲ 0.08 pts · high 4.25% / low 4.17%
3.67%4.21%4.75%Sep 24, 2026: 4.17% APYOct 14, 2026: 4.25% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20264.25%▲ from 4.17%
  • Sep 24, 20264.17%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 24 Month IRA
$0
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 24 Month
$0
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$0
4.22% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.33% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Oct 20, 2026: 4.22% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 24 month
$500
4.00% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.11% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$0
3.91% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$0
3.75% ▲ 0.86% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 0.86% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 24 month
$500
3.75% ▲ 0.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 0.86% above avgNationally 2.91%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 24 month
$500
3.25% ▲ 0.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 0.36% above avgNationally 2.91%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
24 Month Share Certificate
$500
3.25% ▲ 0.36% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 0.36% above avgNationally 2.91%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 11 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
Share Certificate - 24 months
$500
3.25% ▲ 0.36% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 0.36% above avgNationally 2.91%
Details

Add 10BP over $25,000.00

Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 24 month
$500
2.75% ▼ 0.14% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▼ 0.14% below avgNationally 2.91%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 24 month
$0
1.00% ▼ 1.89% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▼ 1.89% below avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
IRA 24 month
$0
1.00% ▼ 1.89% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.89%▼ 1.89% below avgNationally 2.91%
Details

Penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 15, 2026: 1.00% APYOct 15, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 24-Month
$0
0.95% ▼ 1.94% below Pennsylvania avg
View
▼
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
0.45%0.95%1.45%Oct 20, 2026: 0.95% APYOct 20, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
24 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.84% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$1,000
0.03% ▼ 2.86% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 24 Months
$250
0.03% ▼ 2.86% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$1,000
0.02% ▼ 2.87% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 24 Months
$250
0.02% ▼ 2.87% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 24 Months
$1,000
0.01% ▼ 2.88% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 24 Months
$250
0.01% ▼ 2.88% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
2 Year (24 Month) Adjustable CD
$5,000
4.73% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.65%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.84% above avgNationally 2.91%
Details

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

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

Rate History
No change since Oct 22, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 22, 2026: 4.44% APYOct 22, 2026Oct 31, 2026
Monet Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
24-Month CD
$25,000
4.40% ▲ 1.51% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.51% above avgNationally 2.91%
Details

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

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

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

Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 31, 2026
MERCK SHARP and DOHME Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo Certificates - 24-Month
$0
4.35% ▲ 1.46% above Pennsylvania avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Pennsylvania Average2.89%▲ 1.46% above avgNationally 2.91%
Details

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Rate History
No change since Oct 26, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 26, 2026: 4.28% APYOct 26, 2026Oct 31, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month CD
$1,000
4.25% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.89%▲ 1.36% above avgNationally 2.91%
Details

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

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

Interest Compounded: Quarterly

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

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

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

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

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

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

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

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

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

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

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

Rate History
2 changes since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 22, 2026: 4.15% APYOct 29, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.25%▲ from 4.15%
  • Sep 22, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Month Jumbo IRA Certificate
$100,000
4.21% ▲ 1.32% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.89%▲ 1.32% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 8, 2026 · 4.21% APY · checked 4 times
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 31, 2026

Williamsport 36 Month CD Rates

Pennsylvania 36 Month CD Average2.76% APYNational 2.82%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$0
4.52% ▲ 1.76% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.76% above avgNationally 2.82%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
4.02%4.52%5.02%Oct 20, 2026: 4.52% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 36 Months
$0
4.52% ▲ 1.76% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.76% above avgNationally 2.82%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.11% → 4.52% ▲ 0.41 pts · high 4.52% / low 4.11%
3.61%4.31%5.02%Sep 8, 2026: 4.11% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.52%▲ from 4.11%
  • Sep 8, 20264.11%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$0
4.47% ▲ 1.71% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.71% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.47% APY · checked 4 times
3.97%4.47%4.97%Oct 20, 2026: 4.47% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 36 Months
$0
4.47% ▲ 1.71% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.71% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
3.56%4.27%4.97%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.47% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.47%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$0
4.32% ▲ 1.56% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.56% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Oct 20, 2026: 4.32% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 36 Months
$0
4.32% ▲ 1.56% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.56% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
3.41%4.12%4.82%Sep 8, 2026: 3.91% APYOct 20, 2026: 4.32% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.32%▲ from 3.91%
  • Sep 8, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$0
4.01% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.25% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Oct 20, 2026: 4.01% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 36 Months
$0
4.01% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.25% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 3.60% → 4.01% ▲ 0.41 pts · high 4.01% / low 3.60%
3.10%3.80%4.51%Sep 8, 2026: 3.60% APYOct 20, 2026: 4.01% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.01%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 36 month
$500
4.00% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.24% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$0
3.85% ▲ 1.09% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.09% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 36 Months
$0
3.85% ▲ 1.09% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 1.09% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 3.44% → 3.85% ▲ 0.41 pts · high 3.85% / low 3.44%
2.94%3.64%4.35%Sep 8, 2026: 3.44% APYOct 20, 2026: 3.85% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20263.85%▲ from 3.44%
  • Sep 8, 20263.44%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 36 month
$500
3.75% ▲ 0.99% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 0.99% above avgNationally 2.82%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 36 month
$500
3.25% ▲ 0.49% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 0.49% above avgNationally 2.82%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
36 Month Share Certificate
$500
3.25% ▲ 0.49% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 0.49% above avgNationally 2.82%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 11 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
Share Certificate - 36 months
$500
3.25% ▲ 0.49% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.76%▲ 0.49% above avgNationally 2.82%
Details

Add 10BP over $25,000.00

Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 36 month
$0
3.00% ▲ 0.24% above Pennsylvania avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 0.24% above avgNationally 2.82%
Details

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
IRA 36 month
$0
3.00% ▲ 0.24% above Pennsylvania avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 0.24% above avgNationally 2.82%
Details

Penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
36 Month Business Share Certificate
$500
2.90% ▲ 0.14% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 0.14% above avgNationally 2.82%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 8 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
36 Month IRA Share Certificate
$500
2.90% ▲ 0.14% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 0.14% above avgNationally 2.82%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 9 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
36 Month Share Certificate
$500
2.90% ▲ 0.14% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 0.14% above avgNationally 2.82%
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 · 2.86% → 2.90% ▲ 0.04 pts · high 2.90% / low 2.86%
2.36%2.88%3.40%Sep 24, 2026: 2.86% APYOct 14, 2026: 2.90% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20262.90%▲ from 2.86%
  • Sep 24, 20262.86%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 36 Month IRA
$0
2.90% ▲ 0.14% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 0.14% above avgNationally 2.82%
Details

APY listed paid on $500 minimum balance

Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 20, 2026: 2.90% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 36 Month
$0
2.90% ▲ 0.14% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 0.14% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 20, 2026: 2.90% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 36 month
$500
2.75% ▼ 0.01% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 0.01% below avgNationally 2.82%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 36-Month
$0
1.01% ▼ 1.75% below Pennsylvania avg
View
▼
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
0.51%1.01%1.51%Oct 20, 2026: 1.01% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
IRA Accounts - 36 month
$100
0.85% ▼ 1.91% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 1.91% below avgNationally 2.82%
Details

Balance: $100.00 and over

Rate History
No change since Sep 8, 2026 · 0.85% APY · checked 10 times
0.35%0.85%1.35%Sep 8, 2026: 0.85% APYSep 8, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
36-month Flex Certificate of Deposit
$10,000
0.50% ▼ 2.26% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.26% below avgNationally 2.82%
Details

Balance: $250,000.01 and over

Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 14 times
0.00%0.50%1.00%Sep 8, 2026: 0.50% APYSep 8, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
36-month Flex Certificate of Deposit
$10,000
0.40% ▼ 2.36% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.36% below avgNationally 2.82%
Details

Balance: $100,000 - $250,000

Rate History
No change since Sep 8, 2026 · 0.40% APY · checked 14 times
0.00%0.45%0.90%Sep 8, 2026: 0.40% APYSep 8, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
36-month Flex Certificate of Deposit
$10,000
0.30% ▼ 2.46% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.46% below avgNationally 2.82%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 8, 2026 · 0.30% APY · checked 14 times
0.00%0.40%0.80%Sep 8, 2026: 0.30% APYSep 8, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
e-z Access Advantage CD 36 Months
$0
0.20% ▼ 2.56% below Pennsylvania avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.56% below avgNationally 2.82%
Details

Rate History
No change since Sep 8, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 8, 2026: 0.20% APYSep 8, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
36-month Flex Certificate of Deposit
$10,000
0.20% ▼ 2.56% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.56% below avgNationally 2.82%
Details

Balance: $20,000 - $24,999

Rate History
No change since Sep 8, 2026 · 0.20% APY · checked 14 times
0.00%0.35%0.70%Sep 8, 2026: 0.20% APYSep 8, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
36-month Flex Certificate of Deposit
$10,000
0.10% ▼ 2.66% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.66% below avgNationally 2.82%
Details

Balance: $15,000 - $19,999

Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 14 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
36 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.71% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
36-month Flex Certificate of Deposit
$10,000
0.05% ▼ 2.71% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.71% below avgNationally 2.82%
Details

Balance: $10,000 - $14,999

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 14 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.73% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 36 Months
$250
0.03% ▼ 2.73% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
36-month Flex Certificate of Deposit
$10,000
0.03% ▼ 2.73% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▼ 2.73% below avgNationally 2.82%
Details

Balance: Less than $10,000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.74% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 36 Months
$250
0.02% ▼ 2.74% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 36 Months
$1,000
0.01% ▼ 2.75% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 36 Months
$250
0.01% ▼ 2.75% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Year Adjustable CD
$1,000
4.81% ▲ 2.05% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.76%▲ 2.05% above avgNationally 2.82%
Details

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

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

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

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 31, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50% ▲ 1.74% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.74% above avgNationally 2.82%
Details

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

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

Rate History
No change since Oct 22, 2026 · 4.49% APY · checked 2 times
3.99%4.49%4.99%Oct 22, 2026: 4.49% APYOct 22, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45% ▲ 1.69% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.69% above avgNationally 2.82%
Details

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

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

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

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30% ▲ 1.54% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.76%▲ 1.54% above avgNationally 2.82%
Details

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

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

Minimum balance for all Certificates is $500.

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

Interest Compounded: Quarterly

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

Featured rate, $50,000 minimum

Rate History
2 changes since Sep 27, 2026 · 3.76% → 4.23% ▲ 0.47 pts · high 4.23% / low 3.76%
3.26%4.00%4.73%Sep 27, 2026: 3.76% APYOct 10, 2026: 3.86% APYOct 30, 2026: 4.23% APYSep 27, 2026Oct 31, 2026
  • Oct 30, 20264.23%▲ from 3.86%
  • Oct 10, 20263.86%▲ from 3.76%
  • Sep 27, 20263.76%first recorded

Williamsport 48 Month CD Rates

Pennsylvania 48 Month CD Average2.64% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.81%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 20, 2026: 4.58% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 48 Months
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.81%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
4.02%4.52%5.02%Oct 20, 2026: 4.52% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 48 Months
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
3.66%4.34%5.02%Sep 8, 2026: 4.16% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.52%▲ from 4.16%
  • Sep 8, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 48 Months
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
3.51%4.19%4.87%Sep 8, 2026: 4.01% APYOct 20, 2026: 4.37% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.37%▲ from 4.01%
  • Sep 8, 20264.01%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Oct 20, 2026: 4.06% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 48 Months
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 8, 2026: 3.70% APYOct 20, 2026: 4.06% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.06%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 48 month
$500
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 48 Months
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 3.55% → 3.91% ▲ 0.36 pts · high 3.91% / low 3.55%
3.05%3.73%4.41%Sep 8, 2026: 3.55% APYOct 20, 2026: 3.91% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20263.91%▲ from 3.55%
  • Sep 8, 20263.55%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 48 month
$500
3.75% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 1.11% above avgNationally 2.81%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 48 month
$500
3.25% ▲ 0.61% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.61% above avgNationally 2.81%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
48 Month Share Certificate
$500
3.25% ▲ 0.61% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 0.61% above avgNationally 2.81%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 11 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
Share Certificate - 48 months
$500
3.25% ▲ 0.61% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.64%▲ 0.61% above avgNationally 2.81%
Details

Add 10BP over $25,000.00

Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
48 Month Business Share Certificate
$500
2.90% ▲ 0.26% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.26% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 8 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
48 Month IRA Share Certificate
$500
2.90% ▲ 0.26% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.26% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 9 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
48 Month Share Certificate
$500
2.90% ▲ 0.26% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.26% above avgNationally 2.81%
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 · 2.86% → 2.90% ▲ 0.04 pts · high 2.90% / low 2.86%
2.36%2.88%3.40%Sep 24, 2026: 2.86% APYOct 14, 2026: 2.90% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20262.90%▲ from 2.86%
  • Sep 24, 20262.86%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 48 Month IRA
$0
2.90% ▲ 0.26% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.26% above avgNationally 2.81%
Details

APY listed paid on $500 minimum balance

Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 20, 2026: 2.90% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 48 Month
$0
2.90% ▲ 0.26% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 20, 2026: 2.90% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 48 month
$500
2.75% ▲ 0.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▲ 0.11% above avgNationally 2.81%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 48 month
$0
2.65% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 0.01% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 4 times
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
IRA 48 month
$0
2.65% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 0.01% above avgNationally 2.81%
Details

Penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 3 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 48-Month
$0
1.01% ▼ 1.63% below Pennsylvania avg
View
▼
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
0.51%1.01%1.51%Oct 20, 2026: 1.01% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
IRA Accounts - 48 month
$100
0.85% ▼ 1.79% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.64%▼ 1.79% below avgNationally 2.81%
Details

Balance: $100.00 and over

Rate History
No change since Sep 8, 2026 · 0.85% APY · checked 10 times
0.35%0.85%1.35%Sep 8, 2026: 0.85% APYSep 8, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
48 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.59% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.61% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 48 Months
$250
0.03% ▼ 2.61% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.62% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 48 Months
$250
0.02% ▼ 2.62% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 2.63% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 48 Months
$250
0.01% ▼ 2.63% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.96% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55% ▲ 1.91% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.91% above avgNationally 2.81%
Details

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

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

Rate History
No change since Oct 22, 2026 · 4.54% APY · checked 2 times
4.04%4.54%5.04%Oct 22, 2026: 4.54% APYOct 22, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.86% above avgNationally 2.81%
Details

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

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

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

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

Minimum balance for all Certificates is $500.

Rate History
No change since Oct 13, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Oct 13, 2026: 4.39% APYOct 13, 2026Oct 31, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Share Certificate
$0
4.28% ▲ 1.64% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.64%▲ 1.64% above avgNationally 2.81%
Details

Minimum balance for all Certificates is $500.

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

Interest Compounded: Quarterly

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

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

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

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

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

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

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

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

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

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

Minimum Opening Deposit $500.00

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

Bump-Up: 1

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

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026

Williamsport 60 Month CD Rates

Pennsylvania 60 Month CD Average2.74% APYNational 2.92%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$0
4.63% ▲ 1.89% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.89% above avgNationally 2.92%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.63% APY · checked 4 times
4.13%4.63%5.13%Oct 20, 2026: 4.63% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 60 Months
$0
4.63% ▲ 1.89% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.89% above avgNationally 2.92%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
3.77%4.45%5.13%Sep 8, 2026: 4.27% APYOct 20, 2026: 4.63% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.63%▲ from 4.27%
  • Sep 8, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$0
4.58% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.84% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 20, 2026: 4.58% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 60 Months
$0
4.58% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.84% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$0
4.42% ▲ 1.68% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.68% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
3.92%4.42%4.92%Oct 20, 2026: 4.42% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 60 Months
$0
4.42% ▲ 1.68% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.68% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
3.56%4.24%4.92%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.42% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.42%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$0
4.11% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.37% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Oct 20, 2026: 4.11% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 60 Months
$0
4.11% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.37% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 3.75% → 4.11% ▲ 0.36 pts · high 4.11% / low 3.75%
3.25%3.93%4.61%Sep 8, 2026: 3.75% APYOct 20, 2026: 4.11% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.11%▲ from 3.75%
  • Sep 8, 20263.75%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 60 month
$500
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$0
3.96% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.22% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Oct 20, 2026: 3.96% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
130 Court St, Williamsport, PA 17701
IRA CD 60 Months
$0
3.96% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.22% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
3.10%3.78%4.46%Sep 8, 2026: 3.60% APYOct 20, 2026: 3.96% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20263.96%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 60 month
$500
3.75% ▲ 1.01% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 1.01% above avgNationally 2.92%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 60 month
$500
3.25% ▲ 0.51% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.51% above avgNationally 2.92%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
60 Month Share Certificate
$500
3.25% ▲ 0.51% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 0.51% above avgNationally 2.92%
Details

Add 10BP over $25,000.00

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 11 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 31, 2026
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1640 High St, Williamsport, PA 17701
Share Certificate - 60 months
$500
3.25% ▲ 0.51% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Pennsylvania Average2.74%▲ 0.51% above avgNationally 2.92%
Details

Add 10BP over $25,000.00

Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
60 Month Business Share Certificate
$500
2.90% ▲ 0.16% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.16% above avgNationally 2.92%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 8 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
60 Month IRA Share Certificate
$500
2.90% ▲ 0.16% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.16% above avgNationally 2.92%
Details

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

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 9 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
60 Month Share Certificate
$500
2.90% ▲ 0.16% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.16% above avgNationally 2.92%
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 · 2.86% → 2.90% ▲ 0.04 pts · high 2.90% / low 2.86%
2.36%2.88%3.40%Sep 24, 2026: 2.86% APYOct 14, 2026: 2.90% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20262.90%▲ from 2.86%
  • Sep 24, 20262.86%first recorded
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
IRA Share Certificate - 60 Month IRA
$0
2.90% ▲ 0.16% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.16% above avgNationally 2.92%
Details

APY listed paid on $500 minimum balance

Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 20, 2026: 2.90% APYOct 20, 2026Oct 31, 2026
First Harvest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
1935 E 3rd St, Williamsport, PA 17701
Share Certificate - 60 Month
$0
2.90% ▲ 0.16% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.16% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Oct 20, 2026: 2.90% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 60 month
$500
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.92%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
Certificates - 60 month
$0
2.55% ▼ 0.19% below Pennsylvania avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▼ 0.19% below avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 2.55% APY · checked 4 times
2.05%2.55%3.05%Oct 13, 2026: 2.55% APYOct 13, 2026Oct 31, 2026
Service 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
814 Westminster Dr, Williamsport, PA 17701
IRA 60 month
$0
2.55% ▼ 0.19% below Pennsylvania avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▼ 0.19% below avgNationally 2.92%
Details

Penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 2.55% APY · checked 3 times
2.05%2.55%3.05%Oct 15, 2026: 2.55% APYOct 15, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 30 month
$500
1.45% ▼ 1.29% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.29% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 1.45% APY · checked 5 times
0.95%1.45%1.95%Oct 20, 2026: 1.45% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 15 month
$500
1.35% ▼ 1.39% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.39% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 1.35% APY · checked 5 times
0.85%1.35%1.85%Oct 20, 2026: 1.35% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 30 month
$500
1.35% ▼ 1.39% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.39% below avgNationally 2.92%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 1.35% APY · checked 5 times
0.85%1.35%1.85%Oct 20, 2026: 1.35% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 15 month
$500
1.25% ▼ 1.49% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.49% below avgNationally 2.92%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 20, 2026: 1.25% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 9 month
$500
1.15% ▼ 1.59% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.59% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 1.15% APY · checked 5 times
0.65%1.15%1.65%Oct 20, 2026: 1.15% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 30 month
$500
1.05% ▼ 1.69% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.69% below avgNationally 2.92%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 1.05% APY · checked 5 times
0.55%1.05%1.55%Oct 20, 2026: 1.05% APYOct 20, 2026Oct 31, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1732 E 3rd St, Williamsport, PA 17701
Certificate of Deposit - 60-Month
$0
1.01% ▼ 1.73% below Pennsylvania avg
View
▼
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
0.51%1.01%1.51%Oct 20, 2026: 1.01% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 9 month
$500
1.00% ▼ 1.74% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.74% below avgNationally 2.92%
Details

Balance: $10,000 - $49,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 15 month
$500
0.95% ▼ 1.79% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.79% below avgNationally 2.92%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 0.95% APY · checked 5 times
0.45%0.95%1.45%Oct 20, 2026: 0.95% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 30 month
$500
0.95% ▼ 1.79% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.79% below avgNationally 2.92%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 0.95% APY · checked 5 times
0.45%0.95%1.45%Oct 20, 2026: 0.95% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
IRA Accounts - 60 month
$100
0.90% ▼ 1.84% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.84% below avgNationally 2.92%
Details

Balance: $100.00 and over

Rate History
No change since Sep 8, 2026 · 0.90% APY · checked 10 times
0.40%0.90%1.40%Sep 8, 2026: 0.90% APYSep 8, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 15 month
$500
0.85% ▼ 1.89% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.89% below avgNationally 2.92%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Oct 20, 2026: 0.85% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 9 month
$500
0.75% ▼ 1.99% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 1.99% below avgNationally 2.92%
Details

Balance: $2,000 - $9,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Oct 20, 2026: 0.75% APYOct 20, 2026Oct 31, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
201 S Market St, Williamsport, PA 17702
9 through 60 month Certificates of Deposit - 9 month
$500
0.65% ▼ 2.09% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Pennsylvania Average2.74%▼ 2.09% below avgNationally 2.92%
Details

Balance: $500 - $1,999.99; $500 minimum deposit to open

Rate History
No change since Oct 20, 2026 · 0.65% APY · checked 5 times
0.15%0.65%1.15%Oct 20, 2026: 0.65% APYOct 20, 2026Oct 31, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
204 Hepburn St, Williamsport, PA 17701
60 Month Personal Certificate of Deposit
$0
0.05% ▼ 2.69% below Pennsylvania avg
View
▼
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
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 2.71% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 60 Months
$250
0.03% ▼ 2.71% below Pennsylvania avg
View
▼
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
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 2.72% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 20, 2026: 0.02% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 60 Months
$250
0.02% ▼ 2.72% below Pennsylvania avg
View
▼
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
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 2.73% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 31, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
137 W 4th St, Williamsport, PA 17701
IRA CD 60 Months
$250
0.01% ▼ 2.73% below Pennsylvania avg
View
▼
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
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.81% ▲ 2.07% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 2.07% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 13, 2026 · 4.66% APY · checked 4 times
4.16%4.66%5.16%Oct 13, 2026: 4.66% APYOct 13, 2026Oct 31, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.86% above avgNationally 2.92%
Details

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

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

Rate History
No change since Oct 22, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Oct 22, 2026: 4.59% APYOct 22, 2026Oct 31, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.56% ▲ 1.82% above Pennsylvania avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Pennsylvania Average2.74%▲ 1.82% above avgNationally 2.92%
Details

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

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

Rate History
No change since Oct 13, 2026 · 4.55% APY · checked 4 times
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 31, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Williamsport, Pennsylvania Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
Citizens & Northern Bank C&N
Certificate of Deposit - 60 Months
A 5.0 ★ TX: 10.85%
Min: $0
4.63%
Journey Bank
9 through 60 month Certificates of Deposit - 18 month
A+ 5.0 ★ TX: 4.57%
Min: $500
4.25%
M&T Bank
18 Month Select Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Truist
CD 12 Month
A+ 5.0 ★ TX: 2.87%
Min: $0
3.25%
Fulton Bank
Certificate of Deposit - 36-Month
A+ 5.0 ★ TX: 4.85%
Min: $0
1.01%
CU Top 5 Credit Union Rates
First Harvest Federal Credit Union
24 Month Business Share Certificate
A 5.0 ★ TX: 8.18%
Min: $500
4.25%
Service 1st Federal Credit Union
Certificates - 12 month
A+ 5.0 ★ TX: 3.66%
Min: $0
4.00%
West Branch Valley Federal Credit Union
12 Month Share Certificate
A+ 5.0 ★ TX: 1.38%
Min: $500
3.50%
Tendto Credit Union
Share Certificates - 60 month Certificate
A+ 5.0 ★ TX: 3.10%
Min: $0
4.81%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Williamsport, PA CD Rate Trends

Compare local Williamsport, PA CD rate quotes against the statewide average

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

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

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

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

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

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

PA CD Rate Forecast, Next 12 Months

Where are Pennsylvania CD rates headed through October 2027?

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

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

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

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

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

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

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What Your Savings Earn at PA CD Rates Today

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

CD Term PA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.816% $90.81 $181.61 $454.03 $908.05
6-Month CD 2.845% $142.25 $284.50 $711.25 $1,422.50
12-Month CD 3.046% $152.28 $304.56 $761.40 $1,522.80
18-Month CD 3.061% $153.04 $306.07 $765.18 $1,530.35
24-Month CD 2.886% $144.31 $288.62 $721.55 $1,443.10
36-Month CD 2.757% $137.83 $275.66 $689.15 $1,378.30
48-Month CD 2.636% $131.78 $263.55 $658.88 $1,317.75
60-Month CD 2.740% $137.01 $274.01 $685.03 $1,370.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
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Sample CD Ladder for Williamsport, Pennsylvania Savers

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

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

Ladder example uses equal $5,000 rungs and Pennsylvania average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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2,664
CD Rates
Tracked in Williamsport, Pennsylvania
49 Banks 81 Credit Unions

About Our Williamsport, Pennsylvania CD Rate Database

MonitorBankRates tracks 2,664 CD rates from 49 banks and 81 credit unions with locations in Williamsport, 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: Citizens & Northern Bank C&N offers a CD at 4.63% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Williamsport, Pennsylvania.

How to Find the Best CD Rates in Williamsport, Pennsylvania

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

To find the best APYs in Williamsport, Pennsylvania, start with credit unions and online-only banks: Williamsport, Pennsylvania has 81 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 Williamsport, 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 Williamsport, Pennsylvania: 130 institutions here report CD rates

Consider an Alternative If…

Williamsport, Pennsylvania Financial Snapshot

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

Population 65+
13.4%
National avg: 17.3%
Median Individual Earnings
$27,281
National avg: $47,340
Poverty Rate
25.4%
National avg: 11.1%
Unemployment Rate
6.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$83/yr
At PA 12-mo avg 3.046% APY

13.4% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s PA 12-month CD average of 3.046%, saving 10% of the local median salary ($2,728/year) and putting it in a CD would earn an additional $83 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 Williamsport, 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 Williamsport, 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 Williamsport, 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 Williamsport, Pennsylvania savers easier access to their funds. For example, Citizens & Northern Bank C&N is offering its Certificate of Deposit - 6 Months at 3.96% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Citizens & Northern Bank C&N is offering its Certificate of Deposit - 60 Months at 4.63% 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 Williamsport, 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 Williamsport, 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 Williamsport, 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 Williamsport, Pennsylvania

What are CD rates in Williamsport, Pennsylvania today?

Williamsport, Pennsylvania CD rates range from 0.01% to 4.81% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.63% APY at Citizens & Northern Bank C&N (Certificate of Deposit - 60 Months), 4.25% at First Harvest Federal Credit Union (24 Month Business Share Certificate) and 4.25% at Journey Bank (9 through 60 month Certificates of Deposit - 18 month), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Williamsport, Pennsylvania FDIC insured?

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

Here are recent top rates found for this area:
  • Citizens & Northern Bank C&N: 4.63% APY (Certificate of Deposit - 60 Months)
  • First Harvest Federal Credit Union: 4.25% APY (24 Month Business Share Certificate)
  • Journey Bank: 4.25% APY (9 through 60 month Certificates of Deposit - 18 month)
  • Service 1st Federal Credit Union: 4.00% APY (Certificates - 12 month)
  • M&T Bank: 3.85% APY (18 Month Select Certificate of Deposit)
  • West Branch Valley Federal Credit Union: 3.50% APY (12 Month Share Certificate)
  • Truist: 3.25% APY (CD 12 Month)
  • Fulton Bank: 1.01% APY (Certificate of Deposit - 36-Month)
  • PNC Bank: 0.03% APY (Certificate of Deposit - 12 Months)
  • First Northern Bank and Trust Company: 4.81% APY (3 Year Adjustable CD)
Rates reflect recent verified offers available in Williamsport, Pennsylvania. Last Updated: October 31, 2026

Williamsport, 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 Williamsport, Pennsylvania rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Williamsport, Pennsylvania CD Rates by Term

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

CD Calculators for Williamsport, Pennsylvania

Williamsport, Pennsylvania CD Calculator

At today’s PA top rate of 4.63% APY, a $10,000 deposit earns $463 in the first year. Enter your amount to see your exact return.

Williamsport, Pennsylvania CD Ladder

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

Early Withdrawal Penalty

Before locking into a Williamsport, Pennsylvania CD at 4.63% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Pennsylvania’s average 12-month CD is 3.046% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Williamsport, 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 Williamsport, 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 Williamsport, Pennsylvania. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in PA.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026

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