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CD Rate Trends

York, Pennsylvania Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

York, Pennsylvania CD rates range from 0.01% to 4.81% APY, verified by MonitorBankRates as of October 13, 2026. Current York, Pennsylvania CD rates include Citizens & Northern Bank C&NCitizens & Northern Bank C&N2951 Whiteford Rd, York, PA 17402A5.0 ★Texas Ratio: 10.85%Real return: +1.83%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.63% APY, Santander BankSantander Bank100 N Northern Way, York, PA 17402A5.0 ★Texas Ratio: 8.00%Real return: +1.20%APY minus CPI (February 2026) offering 18-Month CD at 4.00% APY, Northwest Bank Warren, PANorthwest Bank Warren, PA3649 E Market St, York, PA 17402A+5.0 ★Texas Ratio: 3.99%Real return: +1.20%APY minus CPI (February 2026) offering 12-month CD at 4.00% APY, York Educational Federal Credit UnionYork Educational Federal Credit Union1601 S Queen St, York, PA 17403 4630A+5.0 ★Texas Ratio: 0.67%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Special CD Rate at 4.00% APY, and HERITAGE VALLEYHERITAGE VALLEY2400 Pleasant Valley Rd, York, PA 17402 9624A5.0 ★Texas Ratio: 7.26%Real return: +1.15%APY minus CPI (February 2026) offering 12 Month Heritage Gold Certificate at 3.95% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

York has 308 local institutions in our database, with CD rates as high as 4.63% APY from Citizens & Northern Bank C&N at 2951 Whiteford Rd, York, PA 17402. 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 13, 2026

Compare Best CD Rates in York, Pennsylvania & the Surrounding Area

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

York 3 Month CD Rates

Pennsylvania 3 Month CD Average1.79% APYNational 2.09%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2801 E Market St, York, PA 17402
3 Month CD
$500
2.00% ▲ 0.21% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
90 Day Share Certificates
$0
2.00% ▲ 0.21% above Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 90 Days
$0
2.00% ▲ 0.21% above Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 0.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
3 Month Certificates & IRA Certificates
$0
1.50% ▼ 0.29% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▼ 0.29% below avgNationally 2.09%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
3 Month Share Certificates
$500
1.50% ▼ 0.29% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average1.79%▼ 0.29% below avgNationally 2.09%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
3 Month Certificate
$500
1.30% ▼ 0.49% below Pennsylvania avg
View
▼
Rate1.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.49% below avgNationally 2.09%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 1.30% APY · checked 4 times
0.80%1.30%1.80%Sep 12, 2026: 1.30% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 3 Month
$500
1.30% ▼ 0.49% below Pennsylvania avg
View
▼
Rate1.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.49% below avgNationally 2.09%
Details

Balance: $1,000,000.00 or more

Rate History
No change since Sep 25, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Sep 25, 2026: 1.30% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
3 Month Certificate
$500
1.25% ▼ 0.54% below Pennsylvania avg
View
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.54% below avgNationally 2.09%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 4, 2026: 1.25% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 3 Month
$500
1.25% ▼ 0.54% below Pennsylvania avg
View
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.54% below avgNationally 2.09%
Details

Balance: $100,000.00 - $499,999.99

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
3 Month Certificate
$500
1.15% ▼ 0.64% below Pennsylvania avg
View
▼
Rate1.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.64% below avgNationally 2.09%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.15% APY · checked 4 times
0.65%1.15%1.65%Sep 12, 2026: 1.15% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 3 Month
$500
1.15% ▼ 0.64% below Pennsylvania avg
View
▼
Rate1.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.64% below avgNationally 2.09%
Details

Balance: $75,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 25, 2026: 1.15% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
3 Month Certificate
$500
1.05% ▼ 0.74% below Pennsylvania avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.74% below avgNationally 2.09%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.05% APY · checked 4 times
0.55%1.05%1.55%Sep 12, 2026: 1.05% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 3 Month
$500
1.05% ▼ 0.74% below Pennsylvania avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.74% below avgNationally 2.09%
Details

Balance: $50,000.00 - $74,999.99

Rate History
No change since Sep 25, 2026 · 1.05% APY · checked 3 times
0.55%1.05%1.55%Sep 25, 2026: 1.05% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
3 Month Certificate
$500
1.00% ▼ 0.79% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.79% below avgNationally 2.09%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 3 Month
$500
1.00% ▼ 0.79% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.79% below avgNationally 2.09%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
3 Month Certificate
$500
0.95% ▼ 0.84% below Pennsylvania avg
View
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.84% below avgNationally 2.09%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 0.95% APY · checked 4 times
0.45%0.95%1.45%Sep 12, 2026: 0.95% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 3 Month
$500
0.95% ▼ 0.84% below Pennsylvania avg
View
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▼ 0.84% below avgNationally 2.09%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 0.95% APY · checked 3 times
0.45%0.95%1.45%Sep 25, 2026: 0.95% APYSep 25, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
3 Month Certificate
$0
0.70% ▼ 1.09% below Pennsylvania avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▼ 1.09% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.73% below Pennsylvania avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▼ 1.73% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.73% below Pennsylvania avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▼ 1.73% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.74% below Pennsylvania avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▼ 1.74% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
3 Month Certificate of Deposit
$0
0.03% ▼ 1.76% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▼ 1.76% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
3 Month Certificate of Deposit
$0
0.02% ▼ 1.77% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▼ 1.77% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
3 Month Certificate of Deposit
$0
0.01% ▼ 1.78% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▼ 1.78% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Business Certificates
$0
4.00% ▲ 2.21% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Share & IRA Share Certificate
$500
4.00% ▲ 2.21% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.21% above avgNationally 2.09%
Details

Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share/IRA Certificate - 3 Months
$500
4.00% ▲ 2.21% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 2.21% above avgNationally 2.09%
Details

$500 minimum deposit to open account and earn APY

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Regular & IRA Certificate
$500
3.90% ▲ 2.11% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.11% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 3 months
$500
3.90% ▲ 2.11% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.11% above avgNationally 2.09%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 14, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
90 Day CD
$0
3.80% ▲ 2.01% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 2.01% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Month Certificate
$0
3.75% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.96% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 MONTH CD
$5,000
3.75% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.96% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Traditional Preferred Certificates
$0
3.75% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.96% above avgNationally 2.09%
Details

Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates of Deposit - Jumbo CDs
$0
3.71% ▲ 1.92% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.92% above avgNationally 2.09%
Details

Jumbo CDs (Above $75,000); no additional deposits after opening; penalty for early withdrawal; certificate renews automatically

Rate History
No change since Oct 13, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 13, 2026: 3.71% APYOct 13, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit
$500
3.71% ▲ 1.92% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.92% above avgNationally 2.09%
Details

Jumbo CD (Above $75,000)

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.71% ▼ 0.05 pts · high 3.76% / low 3.71%
3.21%3.74%4.26%Sep 14, 2026: 3.76% APYOct 13, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.71%▼ from 3.76%
  • Sep 14, 20263.76%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
3-Month Certificate
$0
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

APY up to; Share Certificates require a minimum balance of $500.00 to earn the stated APY; Regular and IRA Certificates

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 14, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
IRA Certificate - 3 Months
$500
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

As of November 6, 2025; dividend rate and APY fixed for the term of the account

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 14, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

Balance: $75,000.00 and over

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates of Deposit - Regular CDs
$500
3.67% ▲ 1.88% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.88% above avgNationally 2.09%
Details

Minimum deposit of $500 required to open a Certificate of Deposit; no additional deposits after opening; penalty for early withdrawal; certificate renews automatically

Rate History
No change since Oct 13, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit
$500
3.67% ▲ 1.88% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.88% above avgNationally 2.09%
Details

Regular CD

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.67% ▼ 0.09 pts · high 3.76% / low 3.67%
3.17%3.72%4.26%Sep 14, 2026: 3.76% APYOct 13, 2026: 3.67% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.67%▼ from 3.76%
  • Sep 14, 20263.76%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 3 Month
$0
3.65% ▲ 1.86% above Pennsylvania avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational
$0
3.65% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Nonpreferred; APY fixed to maturity; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Traditional Nonpreferred Certificates - 3 months
$0
3.65% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational; APY fixed to maturity

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificate of Deposit
$0
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
3 Month CD
$500
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 15, 2026: 3.60% APYSep 15, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Balance: $10,000.00 - $74,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3 Month Bonus Certificate
$75,000
3.55% ▲ 1.76% above Pennsylvania avg
View
▼
Rate3.50%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026

York 6 Month CD Rates

Pennsylvania 6 Month CD Average2.77% APYNational 2.77%▼ 0.03% 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%
2951 Whiteford Rd, York, PA 17402
6 Month Certificate of Deposit
$0
3.96% ▲ 1.19% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.19% above avgNationally 2.77%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 18, 2026: 3.80% APYOct 7, 2026: 3.96% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.96%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
6 Month Certificate of Deposit
$0
3.91% ▲ 1.14% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.14% above avgNationally 2.77%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75%
3.25%3.83%4.41%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.91%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
6 Month Certificate of Deposit
$0
3.75% ▲ 0.98% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 0.98% above avgNationally 2.77%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 18, 2026: 3.60% APYOct 7, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.75%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
6 Month Certificate of Deposit
$0
3.44% ▲ 0.67% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 0.67% above avgNationally 2.77%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.29% → 3.44% ▲ 0.15 pts · high 3.44% / low 3.29%
2.79%3.37%3.94%Sep 18, 2026: 3.29% APYOct 7, 2026: 3.44% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.44%▲ from 3.29%
  • Sep 18, 20263.29%first recorded
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
6 Month Heritage Gold Certificate
$0
3.40% ▲ 0.63% above Pennsylvania avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▲ 0.63% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 14, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
6 Month Certificates & IRA Certificates
$0
3.35% ▲ 0.58% above Pennsylvania avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.58% above avgNationally 2.77%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
6 Month Share Certificates
$500
3.35% ▲ 0.58% above Pennsylvania avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▲ 0.58% above avgNationally 2.77%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
6 Month Regular & IRA Certificates
$0
3.35% ▲ 0.58% above Pennsylvania avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▲ 0.58% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
6 Month Certificate of Deposit
$0
3.29% ▲ 0.52% above Pennsylvania avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 0.52% above avgNationally 2.77%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.14% → 3.29% ▲ 0.15 pts · high 3.29% / low 3.14%
2.64%3.22%3.79%Sep 18, 2026: 3.14% APYOct 7, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.29%▲ from 3.14%
  • Sep 18, 20263.14%first recorded
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
6 Month Share Certificates
$0
3.00% ▲ 0.23% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.23% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 6 Months
$0
3.00% ▲ 0.23% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 0.23% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2801 E Market St, York, PA 17402
6 Month CD
$500
2.25% ▼ 0.52% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 0.52% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
PACE Resources Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
445 W PHILADELPHIA ST, YORK, PA 17401
Share Certificate - 6 Month
$500
2.00% ▼ 0.77% below Pennsylvania avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▼ 0.77% below avgNationally 2.77%
Details

Maximum: $250,000; IRA Accounts are only available in a 12 Month or 24 Month Term

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
6 Month Share Certificates
$500
1.56% ▼ 1.21% below Pennsylvania avg
View
▼
Rate1.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▼ 1.21% below avgNationally 2.77%
Details

Balance: $100,001 & Up

Rate History
No change since Oct 6, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 6, 2026: 1.56% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
6 Month Share Certificates
$500
1.46% ▼ 1.31% below Pennsylvania avg
View
▼
Rate1.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▼ 1.31% below avgNationally 2.77%
Details

Balance: $50,001 - $100,000

Rate History
No change since Oct 6, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 6, 2026: 1.46% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
6 Month Share Certificates
$500
1.36% ▼ 1.41% below Pennsylvania avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▼ 1.41% below avgNationally 2.77%
Details

Balance: $10,001 - $50,000

Rate History
No change since Oct 6, 2026 · 1.36% APY · checked 2 times
0.86%1.36%1.86%Oct 6, 2026: 1.36% APYOct 6, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
6 Month Certificate
$500
1.35% ▼ 1.42% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.42% below avgNationally 2.77%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 1.35% APY · checked 4 times
0.85%1.35%1.85%Sep 12, 2026: 1.35% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 6 Month
$500
1.35% ▼ 1.42% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.42% below avgNationally 2.77%
Details

Balance: $1,000,000.00 or more

Rate History
No change since Sep 25, 2026 · 1.35% APY · checked 3 times
0.85%1.35%1.85%Sep 25, 2026: 1.35% APYSep 25, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
6 Month Share Certificates
$500
1.31% ▼ 1.46% below Pennsylvania avg
View
▼
Rate1.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▼ 1.46% below avgNationally 2.77%
Details

Balance: $500 - $10,000

Rate History
No change since Oct 6, 2026 · 1.31% APY · checked 2 times
0.81%1.31%1.81%Oct 6, 2026: 1.31% APYOct 6, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
6 Month Certificate
$500
1.30% ▼ 1.47% below Pennsylvania avg
View
▼
Rate1.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.47% below avgNationally 2.77%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Oct 4, 2026: 1.30% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 6 Month
$500
1.30% ▼ 1.47% below Pennsylvania avg
View
▼
Rate1.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.47% below avgNationally 2.77%
Details

Balance: $100,000.00 - $499,999.99

Rate History
No change since Sep 25, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Sep 25, 2026: 1.30% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
6 Month Certificate
$500
1.20% ▼ 1.57% below Pennsylvania avg
View
▼
Rate1.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.57% below avgNationally 2.77%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.20% APY · checked 4 times
0.70%1.20%1.70%Sep 12, 2026: 1.20% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 6 Month
$500
1.20% ▼ 1.57% below Pennsylvania avg
View
▼
Rate1.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.57% below avgNationally 2.77%
Details

Balance: $75,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 25, 2026: 1.20% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
6 Month Certificate
$500
1.10% ▼ 1.67% below Pennsylvania avg
View
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.67% below avgNationally 2.77%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.10% APY · checked 4 times
0.60%1.10%1.60%Sep 12, 2026: 1.10% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 6 Month
$500
1.10% ▼ 1.67% below Pennsylvania avg
View
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.67% below avgNationally 2.77%
Details

Balance: $50,000.00 - $74,999.99

Rate History
No change since Sep 25, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Sep 25, 2026: 1.10% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
6 Month Certificate
$500
1.05% ▼ 1.72% below Pennsylvania avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.72% below avgNationally 2.77%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.05% APY · checked 4 times
0.55%1.05%1.55%Sep 12, 2026: 1.05% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 6 Month
$500
1.05% ▼ 1.72% below Pennsylvania avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.72% below avgNationally 2.77%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 25, 2026 · 1.05% APY · checked 3 times
0.55%1.05%1.55%Sep 25, 2026: 1.05% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
6 Month Certificate
$500
1.00% ▼ 1.77% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.77% below avgNationally 2.77%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 6 Month
$500
1.00% ▼ 1.77% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 1.77% below avgNationally 2.77%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 14, 2026
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA 17403 4630
6 Month Share Certificate
$0
0.75% ▼ 2.02% below Pennsylvania avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▼ 2.02% below avgNationally 2.77%
Details

Dividends compounded monthly

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
6 Month Certificate
$0
0.70% ▼ 2.07% below Pennsylvania avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 2.07% below avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
6 month Standard Fixed Rate
$2,500
0.06% ▼ 2.71% below Pennsylvania avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 2.71% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
6 month Standard Interest Rate
$2,500
0.06% ▼ 2.71% below Pennsylvania avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 2.71% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
6 month Standard Fixed Rate
$2,500
0.05% ▼ 2.72% below Pennsylvania avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 2.72% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
6 Month Certificate of Deposit
$0
0.03% ▼ 2.74% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 2.74% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
6 Month Certificate of Deposit
$0
0.02% ▼ 2.75% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 2.75% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
6 Month Certificate of Deposit
$0
0.01% ▼ 2.76% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▼ 2.76% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
Level 6 - 6 month term
$100,000
4.25% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▲ 1.48% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 14, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
6 Month CD
$1,000
4.20% ▲ 1.43% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.43% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
6 Month Certificate
$0
4.14% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.37% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 3 months interest

Rate History
No change since Sep 19, 2026 · 4.14% APY · checked 7 times
3.64%4.14%4.64%Sep 19, 2026: 4.14% APYSep 19, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 6 Month CD
$0
4.13% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.36% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 24, 2026: 4.02% APYOct 8, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.13%▲ from 4.02%
  • Sep 24, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 Month CD
$0
4.12% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.77%▲ 1.35% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 4.12% APY · checked 3 times
3.62%4.12%4.62%Oct 9, 2026: 4.12% APYOct 9, 2026Oct 14, 2026
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Certificates of Deposit - Regular and IRAs
$10,000
4.10% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.06%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▲ 1.33% above avgNationally 2.77%
Details

New Money

Rate History
No change since Oct 11, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 11, 2026: 4.10% APYOct 11, 2026Oct 14, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
6 Month Certificate
$0
4.10% ▲ 1.33% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▲ 1.33% above avgNationally 2.77%
Details

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 14, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
Level 6 - 6 month term
$100,000
4.10% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▲ 1.33% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 14, 2026
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
6 Month Certificate of Deposit
$0
4.05% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.28% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Regular & IRA Certificate
$500
4.05% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.28% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 6 months
$500
4.05% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.28% above avgNationally 2.77%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 14, 2026
MERCER COUNTY COMMUNITY
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 MONTH CD
$500
4.04% ▲ 1.27% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.77%▲ 1.27% above avgNationally 2.77%
Details

Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 30, 2026: 3.79% APYOct 1, 2026: 4.04% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20264.04%▲ from 3.79%
  • Sep 30, 20263.79%first recorded
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Business Certificates
$0
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026

York 12 Month CD Rates

Pennsylvania 12 Month CD Average2.96% APYNational 2.99%▼ 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%
2951 Whiteford Rd, York, PA 17402
12 Month Certificate of Deposit
$0
4.27% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.31% above avgNationally 2.99%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.27% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.27%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
12 Month Certificate of Deposit
$0
4.22% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.26% above avgNationally 2.99%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.22% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
12 Month Certificate of Deposit
$0
4.06% ▲ 1.10% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.10% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 7, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3649 E Market St, York, PA 17402
12-month CD
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Open online today.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA 17403 4630
12 Month Special CD Rate
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Special CD Rate: 12-months; Dividends compounded quarterly

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
12 Month Heritage Gold Certificate
$0
3.95% ▲ 0.99% above Pennsylvania avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 0.99% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
12 Month Regular & IRA Certificates
$0
3.90% ▲ 0.94% above Pennsylvania avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
12 Month Certificate of Deposit
$0
3.75% ▲ 0.79% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 18, 2026: 3.55% APYOct 7, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.75%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
12 Month Share Certificates
$0
3.75% ▲ 0.79% above Pennsylvania avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
IRA Share Certificates - 12 Months
$0
3.75% ▲ 0.79% above Pennsylvania avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 12 Months
$0
3.75% ▲ 0.79% above Pennsylvania avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
12 Month Certificate of Deposit
$0
3.60% ▲ 0.64% above Pennsylvania avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 0.64% above avgNationally 2.99%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 18, 2026: 3.39% APYOct 7, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.60%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
12 Month Certificates & IRA Certificates
$0
3.55% ▲ 0.59% above Pennsylvania avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 0.59% above avgNationally 2.99%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
12 Month Share Certificates
$500
3.45% ▲ 0.49% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 0.49% above avgNationally 2.99%
Details

A penalty may be imposed for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25%
2.75%3.35%3.95%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.45%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2990 E Market St, York, PA 17402
1 Year Online CD
$0
3.25% ▲ 0.29% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 0.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2508 Eastern Blvd, York, PA 17402
12-month CD
$0
3.25% ▲ 0.29% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 0.29% above avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
12 Month Share Certificates
$500
3.14% ▲ 0.18% above Pennsylvania avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 0.18% above avgNationally 2.99%
Details

Balance: $100,001 & Up

Rate History
No change since Oct 6, 2026 · 3.14% APY · checked 2 times
2.64%3.14%3.64%Oct 6, 2026: 3.14% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
12 Month Share Certificates
$500
3.04% ▲ 0.08% above Pennsylvania avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▲ 0.08% above avgNationally 2.99%
Details

Balance: $50,001 - $100,000

Rate History
No change since Oct 6, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 6, 2026: 3.04% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
12 Month Share Certificates
$500
2.94% ▼ 0.02% below Pennsylvania avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▼ 0.02% below avgNationally 2.99%
Details

Balance: $10,001 - $50,000

Rate History
No change since Oct 6, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Oct 6, 2026: 2.94% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
12 Month Share Certificates
$500
2.89% ▼ 0.07% below Pennsylvania avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.96%▼ 0.07% below avgNationally 2.99%
Details

Balance: $500 - $10,000

Rate History
No change since Oct 6, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 6, 2026: 2.89% APYOct 6, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2801 E Market St, York, PA 17402
1 Year CD
$500
2.00% ▼ 0.96% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 0.96% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
PACE Resources Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
445 W PHILADELPHIA ST, YORK, PA 17401
Share Certificate - 12 Month
$500
1.75% ▼ 1.21% below Pennsylvania avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▼ 1.21% below avgNationally 2.99%
Details

Maximum: $250,000; IRA Accounts are only available in a 12 Month or 24 Month Term

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.45% below Pennsylvania avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 1.45% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.45% below Pennsylvania avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 1.45% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
50 Haines Rd, York, PA 17402
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.46% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 1.46% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12 Month Certificate
$500
1.50% ▼ 1.46% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.46% below avgNationally 2.99%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 12, 2026: 1.50% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 12 Month
$500
1.50% ▼ 1.46% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.46% below avgNationally 2.99%
Details

Balance: $1,000,000.00 or more

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12 Month Certificate
$500
1.45% ▼ 1.51% below Pennsylvania avg
View
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.51% below avgNationally 2.99%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Oct 4, 2026: 1.45% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 12 Month
$500
1.45% ▼ 1.51% below Pennsylvania avg
View
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.51% below avgNationally 2.99%
Details

Balance: $100,000.00 - $499,999.99

Rate History
No change since Sep 25, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Sep 25, 2026: 1.45% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12-Month Bump Up
$500
1.40% ▼ 1.56% below Pennsylvania avg
View
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.56% below avgNationally 2.99%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Oct 12, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 12, 2026: 1.40% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12 Month Certificate
$500
1.35% ▼ 1.61% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.61% below avgNationally 2.99%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.35% APY · checked 4 times
0.85%1.35%1.85%Sep 12, 2026: 1.35% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12-Month Bump Up
$500
1.35% ▼ 1.61% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.61% below avgNationally 2.99%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 12, 2026: 1.35% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 12 Month
$500
1.35% ▼ 1.61% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.61% below avgNationally 2.99%
Details

Balance: $75,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 1.35% APY · checked 3 times
0.85%1.35%1.85%Sep 25, 2026: 1.35% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12 Month Certificate
$500
1.25% ▼ 1.71% below Pennsylvania avg
View
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.71% below avgNationally 2.99%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 12, 2026: 1.25% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12-Month Bump Up
$500
1.25% ▼ 1.71% below Pennsylvania avg
View
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.71% below avgNationally 2.99%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 12, 2026: 1.25% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 12 Month
$500
1.25% ▼ 1.71% below Pennsylvania avg
View
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.71% below avgNationally 2.99%
Details

Balance: $50,000.00 - $74,999.99

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12 Month Certificate
$500
1.20% ▼ 1.76% below Pennsylvania avg
View
▼
Rate1.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.76% below avgNationally 2.99%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.20% APY · checked 4 times
0.70%1.20%1.70%Sep 12, 2026: 1.20% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 12 Month
$500
1.20% ▼ 1.76% below Pennsylvania avg
View
▼
Rate1.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.76% below avgNationally 2.99%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 25, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 25, 2026: 1.20% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12 Month Certificate
$500
1.15% ▼ 1.81% below Pennsylvania avg
View
▼
Rate1.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.81% below avgNationally 2.99%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 25, 2026 · 1.15% APY · checked 4 times
0.65%1.15%1.65%Sep 25, 2026: 1.15% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12-Month Bump Up
$500
1.15% ▼ 1.81% below Pennsylvania avg
View
▼
Rate1.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.81% below avgNationally 2.99%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.15% APY
0.65%1.15%1.65%Oct 12, 2026: 1.15% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 12 Month
$500
1.15% ▼ 1.81% below Pennsylvania avg
View
▼
Rate1.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.81% below avgNationally 2.99%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 1.15% APY · checked 3 times
0.65%1.15%1.65%Sep 25, 2026: 1.15% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12-Month Bump Up
$500
1.10% ▼ 1.86% below Pennsylvania avg
View
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.86% below avgNationally 2.99%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.10% APY
0.60%1.10%1.60%Oct 12, 2026: 1.10% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
12-Month Bump Up
$500
1.05% ▼ 1.91% below Pennsylvania avg
View
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.91% below avgNationally 2.99%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.05% APY
0.55%1.05%1.55%Oct 12, 2026: 1.05% APYOct 12, 2026Oct 14, 2026
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA 17403 4630
12 Month Share Certificate
$0
1.01% ▼ 1.95% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▼ 1.95% below avgNationally 2.99%
Details

Dividends compounded quarterly

Rate History
2 changes since Sep 14, 2026 · 1.01% → 1.01% ▼ 0.00 pts · high 4.00% / low 1.01%
0.00%3.50%6.99%Sep 14, 2026: 1.01% APYSep 18, 2026: 4.00% APYSep 21, 2026: 1.01% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20261.01%▼ from 4.00%
  • Sep 18, 20264.00%▲ from 1.01%
  • Sep 14, 20261.01%first recorded
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
12 Month Certificate
$0
0.70% ▼ 2.26% below Pennsylvania avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 2.26% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
12-Month Variable Rate
$0
0.70% ▼ 2.26% below Pennsylvania avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 2.26% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
12 Month Certificate of Deposit
$0
0.03% ▼ 2.93% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 2.93% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
12 Month Certificate of Deposit
$0
0.02% ▼ 2.94% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 2.94% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
12 Month Certificate of Deposit
$0
0.01% ▼ 2.95% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▼ 2.95% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
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% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.37%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.48% above avgNationally 2.99%
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09%
3.59%4.27%4.94%Sep 19, 2026: 4.09% APYOct 7, 2026: 4.44% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.44%▲ from 4.09%
  • Sep 19, 20264.09%first recorded

York 18 Month CD Rates

Pennsylvania 18 Month CD Average2.99% APYNational 2.88%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%
2951 Whiteford Rd, York, PA 17402
18 Month Certificate of Deposit
$0
4.37% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.38% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
18 Month Certificate of Deposit
$0
4.32% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.33% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.32%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
18 Month Certificate of Deposit
$0
4.16% ▲ 1.17% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.17% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
3.51%4.09%4.66%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.16% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.16%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
100 N Northern Way, York, PA 17402
18-Month CD
$500
4.00% ▲ 1.01% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2055 S Queen St, York, PA 17403
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2055 S Queen St, York, PA 17403
18-Month M&T Select CD
$0
3.85% ▲ 0.86% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
18 Month Certificate of Deposit
$0
3.85% ▲ 0.86% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
18 Month Heritage Gold Certificate
$0
3.80% ▲ 0.81% above Pennsylvania avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.99%▲ 0.81% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
18 Month Regular & IRA Certificates
$0
3.75% ▲ 0.76% above Pennsylvania avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.99%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
18 Month Certificate of Deposit
$0
3.70% ▲ 0.71% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.71% above avgNationally 2.88%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 18, 2026: 3.55% APYOct 7, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.70%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
18 Month Certificates & IRA Certificates
$0
3.65% ▲ 0.66% above Pennsylvania avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.66% above avgNationally 2.88%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
18 Month Share Certificates
$500
3.55% ▲ 0.56% above Pennsylvania avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.99%▲ 0.56% above avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 2.50% → 3.55% ▲ 1.05 pts · high 3.55% / low 2.50%
1.45%3.03%4.60%Sep 14, 2026: 2.50% APYOct 10, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.55%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
18 Month Share Certificates
$0
3.50% ▲ 0.51% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 18 Months
$0
3.50% ▲ 0.51% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
18 Month Share Certificates
$500
2.89% ▼ 0.10% below Pennsylvania avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.99%▼ 0.10% below avgNationally 2.88%
Details

Balance: $100,001 & Up

Rate History
No change since Oct 6, 2026 · 2.89% APY · checked 2 times
2.39%2.89%3.39%Oct 6, 2026: 2.89% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
18 Month Share Certificates
$500
2.78% ▼ 0.21% below Pennsylvania avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.99%▼ 0.21% below avgNationally 2.88%
Details

Balance: $50,001 - $100,000

Rate History
No change since Oct 6, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 6, 2026: 2.78% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
18 Month Share Certificates
$500
2.68% ▼ 0.31% below Pennsylvania avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.99%▼ 0.31% below avgNationally 2.88%
Details

Balance: $10,001 - $50,000

Rate History
No change since Oct 6, 2026 · 2.68% APY · checked 2 times
2.18%2.68%3.18%Oct 6, 2026: 2.68% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
18 Month Share Certificates
$500
2.63% ▼ 0.36% below Pennsylvania avg
View
▼
Rate2.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.99%▼ 0.36% below avgNationally 2.88%
Details

Balance: $500 - $10,000

Rate History
No change since Oct 6, 2026 · 2.63% APY · checked 2 times
2.13%2.63%3.13%Oct 6, 2026: 2.63% APYOct 6, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
18 Month Certificate
$500
1.70% ▼ 1.29% below Pennsylvania avg
View
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.29% below avgNationally 2.88%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 1.70% APY · checked 4 times
1.20%1.70%2.20%Sep 12, 2026: 1.70% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 18 Month
$500
1.70% ▼ 1.29% below Pennsylvania avg
View
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.29% below avgNationally 2.88%
Details

Balance: $1,000,000.00 or more

Rate History
3 changes since Sep 12, 2026 · 1.35% → 1.70% ▲ 0.35 pts · high 1.70% / low 1.35%
0.85%1.53%2.20%Sep 12, 2026: 1.35% APYSep 25, 2026: 1.70% APYOct 8, 2026: 1.35% APYOct 12, 2026: 1.70% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.70%▲ from 1.35%
  • Oct 8, 20261.35%▼ from 1.70%
  • Sep 25, 20261.70%▲ from 1.35%
  • Sep 12, 20261.35%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
18 Month Certificate
$500
1.65% ▼ 1.34% below Pennsylvania avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.34% below avgNationally 2.88%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 1.65% APY · checked 3 times
1.15%1.65%2.15%Oct 4, 2026: 1.65% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 18 Month
$500
1.65% ▼ 1.34% below Pennsylvania avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.34% below avgNationally 2.88%
Details

Balance: $100,000.00 - $499,999.99

Rate History
3 changes since Sep 12, 2026 · 1.35% → 1.65% ▲ 0.30 pts · high 1.65% / low 1.35%
0.85%1.50%2.15%Sep 12, 2026: 1.35% APYSep 25, 2026: 1.65% APYOct 8, 2026: 1.35% APYOct 12, 2026: 1.65% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.65%▲ from 1.35%
  • Oct 8, 20261.35%▼ from 1.65%
  • Sep 25, 20261.65%▲ from 1.35%
  • Sep 12, 20261.35%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
18 Month Certificate
$500
1.55% ▼ 1.44% below Pennsylvania avg
View
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.44% below avgNationally 2.88%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.55% APY · checked 4 times
1.05%1.55%2.05%Sep 12, 2026: 1.55% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 18 Month
$500
1.55% ▼ 1.44% below Pennsylvania avg
View
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.44% below avgNationally 2.88%
Details

Balance: $75,000.00 - $99,999.99

Rate History
3 changes since Sep 12, 2026 · 1.35% → 1.55% ▲ 0.20 pts · high 1.55% / low 1.35%
0.85%1.45%2.05%Sep 12, 2026: 1.35% APYSep 25, 2026: 1.55% APYOct 8, 2026: 1.35% APYOct 12, 2026: 1.55% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.55%▲ from 1.35%
  • Oct 8, 20261.35%▼ from 1.55%
  • Sep 25, 20261.55%▲ from 1.35%
  • Sep 12, 20261.35%first recorded
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA 17403 4630
18 Month Share Certificate
$0
1.45% ▼ 1.54% below Pennsylvania avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▼ 1.54% below avgNationally 2.88%
Details

Dividends compounded quarterly

Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 7 times
0.95%1.45%1.95%Sep 14, 2026: 1.45% APYSep 14, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
18 Month Certificate
$500
1.45% ▼ 1.54% below Pennsylvania avg
View
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.54% below avgNationally 2.88%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.45% APY · checked 4 times
0.95%1.45%1.95%Sep 12, 2026: 1.45% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 18 Month
$500
1.45% ▼ 1.54% below Pennsylvania avg
View
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.54% below avgNationally 2.88%
Details

Balance: $50,000.00 - $74,999.99

Rate History
3 changes since Sep 12, 2026 · 1.35% → 1.45% ▲ 0.10 pts · high 1.45% / low 1.35%
0.85%1.40%1.95%Sep 12, 2026: 1.35% APYSep 25, 2026: 1.45% APYOct 8, 2026: 1.35% APYOct 12, 2026: 1.45% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.45%▲ from 1.35%
  • Oct 8, 20261.35%▼ from 1.45%
  • Sep 25, 20261.45%▲ from 1.35%
  • Sep 12, 20261.35%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
18 Month Certificate
$500
1.40% ▼ 1.59% below Pennsylvania avg
View
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.59% below avgNationally 2.88%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 4 times
0.90%1.40%1.90%Sep 12, 2026: 1.40% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 18 Month
$500
1.40% ▼ 1.59% below Pennsylvania avg
View
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.59% below avgNationally 2.88%
Details

Balance: $10,000.00 - $49,999.99

Rate History
3 changes since Sep 12, 2026 · 1.35% → 1.40% ▲ 0.05 pts · high 1.40% / low 1.35%
0.85%1.38%1.90%Sep 12, 2026: 1.35% APYSep 25, 2026: 1.40% APYOct 8, 2026: 1.35% APYOct 12, 2026: 1.40% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.40%▲ from 1.35%
  • Oct 8, 20261.35%▼ from 1.40%
  • Sep 25, 20261.40%▲ from 1.35%
  • Sep 12, 20261.35%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
18 Month Certificate
$500
1.35% ▼ 1.64% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.64% below avgNationally 2.88%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 25, 2026 · 1.35% APY · checked 4 times
0.85%1.35%1.85%Sep 25, 2026: 1.35% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
18 Month IRA Certificate
$0
1.35% ▼ 1.64% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.64% below avgNationally 2.88%
Details

Rates effective October 12, 2026

Rate History
No change since Sep 12, 2026 · 1.35% APY · checked 3 times
0.85%1.35%1.85%Sep 12, 2026: 1.35% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 18 Month
$500
1.35% ▼ 1.64% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.64% below avgNationally 2.88%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 1.35% APY · checked 5 times
0.85%1.35%1.85%Sep 12, 2026: 1.35% APYSep 12, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
18 Month Certificate
$0
0.95% ▼ 2.04% below Pennsylvania avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▼ 2.04% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
18 Month IRA/ESA Variable CD
$0
0.25% ▼ 2.74% below Pennsylvania avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▼ 2.74% below avgNationally 2.88%
Details

Balance: $0.00

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
18 Month Certificate of Deposit
$0
0.03% ▼ 2.96% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▼ 2.96% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
18 Month Certificate of Deposit
$0
0.02% ▼ 2.97% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▼ 2.97% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
18 Month Certificate of Deposit
$0
0.01% ▼ 2.98% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▼ 2.98% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month IRA Certificates SEP
$0
4.50% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month IRA Certificates Traditional
$0
4.50% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
18 Month CD
$1,000
4.40% ▲ 1.41% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 18 MONTH
$0
4.35% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 1.36% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month IRA Certificate
$500
4.33% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.61% → 4.33% ▲ 0.72 pts · high 4.33% / low 3.61%
2.89%3.97%5.05%Sep 19, 2026: 3.61% APYOct 7, 2026: 4.33% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.33%▲ from 3.61%
  • Sep 19, 20263.61%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 18-Month
$500
4.30% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 4, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 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 Certificates - 18-Month
$500
4.30% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
First Keystone Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
18 Month Certificate
$1,000
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
18 month Certificate of Deposit
$0
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Certificate
$500
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55%
2.85%3.90%4.95%Sep 19, 2026: 3.55% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.25%▲ from 3.55%
  • Sep 19, 20263.55%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Regular & IRA Certificate
$500
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 18 months
$500
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
18 Month Certificate
$1,000
4.22% ▲ 1.23% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 1.23% above avgNationally 2.88%
Details

Certificate Special

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60%
2.98%3.91%4.84%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.22%▲ from 3.60%
  • Sep 14, 20263.60%first recorded

York 24 Month CD Rates

Pennsylvania 24 Month CD Average2.87% APYNational 2.88%▼ 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%
2951 Whiteford Rd, York, PA 17402
24 Month Certificate of Deposit
$0
4.42% ▲ 1.55% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.55% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
24 Month Certificate of Deposit
$0
4.37% ▲ 1.50% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.50% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
24 Month Certificate of Deposit
$0
4.22% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.35% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.22% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
24 Month Certificate of Deposit
$0
3.91% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.04% above avgNationally 2.88%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
24 Month Certificate of Deposit
$0
3.75% ▲ 0.88% above Pennsylvania avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 0.88% above avgNationally 2.88%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 18, 2026: 3.55% APYOct 7, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.75%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
24 Month Certificates & IRA Certificates
$0
3.60% ▲ 0.73% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 0.73% above avgNationally 2.88%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
24 Month Heritage Gold Certificate
$0
3.60% ▲ 0.73% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.87%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
24 Month Regular & IRA Certificates
$0
3.55% ▲ 0.68% above Pennsylvania avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.87%▲ 0.68% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 10, 2026: 3.55% APYOct 10, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
24 Month Share Certificates
$0
3.25% ▲ 0.38% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
IRA Share Certificates - 24 Months
$0
3.25% ▲ 0.38% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 0.38% above avgNationally 2.88%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
IRA Step-Up Share Certificate - 24 Month IRA Step-Up
$0
3.25% ▲ 0.38% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 0.38% above avgNationally 2.88%
Details

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 24 Months
$0
3.25% ▲ 0.38% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Step-Up Share Certificate - 24 Month Step-Up
$0
3.25% ▲ 0.38% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 0.38% above avgNationally 2.88%
Details

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2990 E Market St, York, PA 17402
2 Year Online CD
$0
3.00% ▲ 0.13% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
24 Month Share Certificates
$500
2.50% ▼ 0.37% below Pennsylvania avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.87%▼ 0.37% below avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2801 E Market St, York, PA 17402
2 Year CD
$500
2.25% ▼ 0.62% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▼ 0.62% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA 17403 4630
24 Month Share Certificate
$0
2.02% ▼ 0.85% below Pennsylvania avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▼ 0.85% below avgNationally 2.88%
Details

Dividends compounded quarterly

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24 Month Certificate
$500
1.80% ▼ 1.07% below Pennsylvania avg
View
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.07% below avgNationally 2.88%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 1.80% APY · checked 4 times
1.30%1.80%2.30%Sep 12, 2026: 1.80% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 24 Month
$500
1.80% ▼ 1.07% below Pennsylvania avg
View
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.07% below avgNationally 2.88%
Details

Balance: $1,000,000.00 or more

Rate History
No change since Sep 25, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 25, 2026: 1.80% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24 Month Certificate
$500
1.75% ▼ 1.12% below Pennsylvania avg
View
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.12% below avgNationally 2.88%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Oct 4, 2026: 1.75% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 24 Month
$500
1.75% ▼ 1.12% below Pennsylvania avg
View
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.12% below avgNationally 2.88%
Details

Balance: $100,000.00 - $499,999.99

Rate History
No change since Sep 25, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 25, 2026: 1.75% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24 Month Certificate
$500
1.65% ▼ 1.22% below Pennsylvania avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.22% below avgNationally 2.88%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.65% APY · checked 4 times
1.15%1.65%2.15%Sep 12, 2026: 1.65% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24-Month Bump Up
$500
1.65% ▼ 1.22% below Pennsylvania avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.22% below avgNationally 2.88%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Oct 12, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 12, 2026: 1.65% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 24 Month
$500
1.65% ▼ 1.22% below Pennsylvania avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.22% below avgNationally 2.88%
Details

Balance: $75,000.00 - $99,999.99

Rate History
No change since Sep 25, 2026 · 1.65% APY · checked 3 times
1.15%1.65%2.15%Sep 25, 2026: 1.65% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24-Month Bump Up
$500
1.60% ▼ 1.27% below Pennsylvania avg
View
▼
Rate1.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.27% below avgNationally 2.88%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 12, 2026: 1.60% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24 Month Certificate
$500
1.55% ▼ 1.32% below Pennsylvania avg
View
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.32% below avgNationally 2.88%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.55% APY · checked 4 times
1.05%1.55%2.05%Sep 12, 2026: 1.55% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 24 Month
$500
1.55% ▼ 1.32% below Pennsylvania avg
View
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.32% below avgNationally 2.88%
Details

Balance: $50,000.00 - $74,999.99

Rate History
No change since Sep 25, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Sep 25, 2026: 1.55% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24 Month Certificate
$500
1.50% ▼ 1.37% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.37% below avgNationally 2.88%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 12, 2026: 1.50% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24-Month Bump Up
$500
1.50% ▼ 1.37% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.37% below avgNationally 2.88%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 24 Month
$500
1.50% ▼ 1.37% below Pennsylvania avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.37% below avgNationally 2.88%
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 14, 2026
PACE Resources Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
445 W PHILADELPHIA ST, YORK, PA 17401
Share Certificate - 24 Month
$1,000
1.50% ▼ 1.37% below Pennsylvania avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▼ 1.37% below avgNationally 2.88%
Details

Maximum: $250,000; IRA Accounts are only available in a 12 Month or 24 Month Term

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24 Month Certificate
$500
1.45% ▼ 1.42% below Pennsylvania avg
View
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.42% below avgNationally 2.88%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 25, 2026 · 1.45% APY · checked 4 times
0.95%1.45%1.95%Sep 25, 2026: 1.45% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 24 Month
$500
1.45% ▼ 1.42% below Pennsylvania avg
View
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.42% below avgNationally 2.88%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 25, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Sep 25, 2026: 1.45% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24-Month Bump Up
$500
1.40% ▼ 1.47% below Pennsylvania avg
View
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.47% below avgNationally 2.88%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 12, 2026: 1.40% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24-Month Bump Up
$500
1.35% ▼ 1.52% below Pennsylvania avg
View
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.52% below avgNationally 2.88%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 12, 2026: 1.35% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
24-Month Bump Up
$500
1.30% ▼ 1.57% below Pennsylvania avg
View
▼
Rate1.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.57% below avgNationally 2.88%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.30% APY
0.80%1.30%1.80%Oct 12, 2026: 1.30% APYOct 12, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
24 Month Certificate
$0
0.95% ▼ 1.92% below Pennsylvania avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▼ 1.92% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
24 Month Certificate of Deposit
$0
0.03% ▼ 2.84% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▼ 2.84% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
24 Month Certificate of Deposit
$0
0.02% ▼ 2.85% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▼ 2.85% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
24 Month Certificate of Deposit
$0
0.01% ▼ 2.86% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▼ 2.86% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 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% ▲ 1.86% above Pennsylvania avg
View
▼
Rate4.65%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.86% above avgNationally 2.88%
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
3.79%4.51%5.23%Sep 19, 2026: 4.29% APYOct 7, 2026: 4.73% APYSep 19, 2026Oct 14, 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%
Business 2 Year CD
$0
4.39% ▲ 1.52% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.52% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.13% → 4.39% ▲ 0.26 pts · high 4.39% / low 4.13%
3.63%4.26%4.89%Sep 14, 2026: 4.13% APYSep 24, 2026: 4.18% APYOct 8, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.39%▲ from 4.18%
  • Sep 24, 20264.18%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 24-Month
$500
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 4, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 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 Certificates - 24-Month
$500
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $24,409.71; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 24 MONTH
$0
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal

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

Rate History
No change since Oct 9, 2026 · 4.28% APY · checked 3 times
3.78%4.28%4.78%Oct 9, 2026: 4.28% APYOct 9, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Business Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month IRA Share Certificate
$500
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

APY listed paid on $500 minimum balance.

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded

York 36 Month CD Rates

Pennsylvania 36 Month CD Average2.74% APYNational 2.81%▼ 0.03% 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%
2951 Whiteford Rd, York, PA 17402
36 Month Certificate of Deposit
$0
4.52% ▲ 1.78% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.78% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month IRA CD
$0
4.52% ▲ 1.78% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.78% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month Certificate of Deposit
$0
4.47% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.73% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month IRA CD
$0
4.47% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.73% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month Certificate of Deposit
$0
4.32% ▲ 1.58% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.58% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month IRA CD
$0
4.32% ▲ 1.58% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.58% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 2, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month Certificate of Deposit
$0
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 7, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month IRA CD
$0
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month Certificate of Deposit
$0
3.85% ▲ 1.11% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.11% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYOct 7, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month IRA CD
$0
3.85% ▲ 1.11% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.11% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYOct 2, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
36-Month Bump Up Certificate of Deposit Promo
$0
3.20% ▲ 0.46% above Pennsylvania avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
36 Month Heritage Gold Certificate
$0
2.80% ▲ 0.06% above Pennsylvania avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.74%▲ 0.06% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 10, 2026: 2.80% APYOct 10, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2990 E Market St, York, PA 17402
3 Year Online CD
$0
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
36 Month Share Certificates
$0
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
IRA Share Certificates - 36 Months
$0
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.81%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 36 Months
$0
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
36 Month Regular & IRA Certificates
$0
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 10, 2026: 2.75% APYOct 10, 2026Oct 14, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
36 Month Certificates & IRA Certificates
$0
2.60% ▼ 0.14% below Pennsylvania avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▼ 0.14% below avgNationally 2.81%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
36 Month Share Certificates
$500
2.50% ▼ 0.24% below Pennsylvania avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.74%▼ 0.24% below avgNationally 2.81%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
36 Month Certificate
$500
2.05% ▼ 0.69% below Pennsylvania avg
View
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.69% below avgNationally 2.81%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 2.05% APY · checked 4 times
1.55%2.05%2.55%Sep 12, 2026: 2.05% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 36 Month
$500
2.05% ▼ 0.69% below Pennsylvania avg
View
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.69% below avgNationally 2.81%
Details

Balance: $1,000,000.00 or more

Rate History
3 changes since Sep 12, 2026 · 1.70% → 2.05% ▲ 0.35 pts · high 2.05% / low 1.70%
1.20%1.88%2.55%Sep 12, 2026: 1.70% APYSep 25, 2026: 2.05% APYOct 8, 2026: 1.70% APYOct 12, 2026: 2.05% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.05%▲ from 1.70%
  • Oct 8, 20261.70%▼ from 2.05%
  • Sep 25, 20262.05%▲ from 1.70%
  • Sep 12, 20261.70%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
36 Month Certificate
$500
2.00% ▼ 0.74% below Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.74% below avgNationally 2.81%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 4, 2026: 2.00% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 36 Month
$500
2.00% ▼ 0.74% below Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.74% below avgNationally 2.81%
Details

Balance: $100,000.00 - $499,999.99

Rate History
3 changes since Sep 12, 2026 · 1.70% → 2.00% ▲ 0.30 pts · high 2.00% / low 1.70%
1.20%1.85%2.50%Sep 12, 2026: 1.70% APYSep 25, 2026: 2.00% APYOct 8, 2026: 1.70% APYOct 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.00%▲ from 1.70%
  • Oct 8, 20261.70%▼ from 2.00%
  • Sep 25, 20262.00%▲ from 1.70%
  • Sep 12, 20261.70%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
36 Month Certificate
$500
1.90% ▼ 0.84% below Pennsylvania avg
View
▼
Rate1.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.84% below avgNationally 2.81%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.90% APY · checked 4 times
1.40%1.90%2.40%Sep 12, 2026: 1.90% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 36 Month
$500
1.90% ▼ 0.84% below Pennsylvania avg
View
▼
Rate1.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.84% below avgNationally 2.81%
Details

Balance: $75,000.00 - $99,999.99

Rate History
3 changes since Sep 12, 2026 · 1.70% → 1.90% ▲ 0.20 pts · high 1.90% / low 1.70%
1.20%1.80%2.40%Sep 12, 2026: 1.70% APYSep 25, 2026: 1.90% APYOct 8, 2026: 1.70% APYOct 12, 2026: 1.90% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.90%▲ from 1.70%
  • Oct 8, 20261.70%▼ from 1.90%
  • Sep 25, 20261.90%▲ from 1.70%
  • Sep 12, 20261.70%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
36 Month Certificate
$500
1.80% ▼ 0.94% below Pennsylvania avg
View
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.94% below avgNationally 2.81%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.80% APY · checked 4 times
1.30%1.80%2.30%Sep 12, 2026: 1.80% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 36 Month
$500
1.80% ▼ 0.94% below Pennsylvania avg
View
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.94% below avgNationally 2.81%
Details

Balance: $50,000.00 - $74,999.99

Rate History
3 changes since Sep 12, 2026 · 1.70% → 1.80% ▲ 0.10 pts · high 1.80% / low 1.70%
1.20%1.75%2.30%Sep 12, 2026: 1.70% APYSep 25, 2026: 1.80% APYOct 8, 2026: 1.70% APYOct 12, 2026: 1.80% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.80%▲ from 1.70%
  • Oct 8, 20261.70%▼ from 1.80%
  • Sep 25, 20261.80%▲ from 1.70%
  • Sep 12, 20261.70%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
36 Month Certificate
$500
1.75% ▼ 0.99% below Pennsylvania avg
View
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.99% below avgNationally 2.81%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 12, 2026: 1.75% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 36 Month
$500
1.75% ▼ 0.99% below Pennsylvania avg
View
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 0.99% below avgNationally 2.81%
Details

Balance: $10,000.00 - $49,999.99

Rate History
3 changes since Sep 12, 2026 · 1.70% → 1.75% ▲ 0.05 pts · high 1.75% / low 1.70%
1.20%1.73%2.25%Sep 12, 2026: 1.70% APYSep 25, 2026: 1.75% APYOct 8, 2026: 1.70% APYOct 12, 2026: 1.75% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.75%▲ from 1.70%
  • Oct 8, 20261.70%▼ from 1.75%
  • Sep 25, 20261.75%▲ from 1.70%
  • Sep 12, 20261.70%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
36 Month Certificate
$500
1.70% ▼ 1.04% below Pennsylvania avg
View
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 1.04% below avgNationally 2.81%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 25, 2026 · 1.70% APY · checked 4 times
1.20%1.70%2.20%Sep 25, 2026: 1.70% APYSep 25, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
36 Month IRA Certificate
$0
1.70% ▼ 1.04% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 1.04% below avgNationally 2.81%
Details

Rates effective October 12, 2026

Rate History
No change since Sep 12, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Sep 12, 2026: 1.70% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 36 Month
$500
1.70% ▼ 1.04% below Pennsylvania avg
View
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 1.04% below avgNationally 2.81%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 1.70% APY · checked 5 times
1.20%1.70%2.20%Sep 12, 2026: 1.70% APYSep 12, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2801 E Market St, York, PA 17402
3 Year CD
$500
1.40% ▼ 1.34% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▼ 1.34% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
36 Month Certificate
$0
1.01% ▼ 1.73% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▼ 1.73% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
36 Month e-z Access Advantage CD
$0
0.20% ▼ 2.54% below Pennsylvania avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▼ 2.54% below avgNationally 2.81%
Details

Balance: $5,000.00

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
36 Month Certificate of Deposit
$0
0.03% ▼ 2.71% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▼ 2.71% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
36 Month Certificate of Deposit
$0
0.02% ▼ 2.72% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▼ 2.72% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
36 Month Certificate of Deposit
$0
0.01% ▼ 2.73% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▼ 2.73% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Year Adjustable CD
$1,000
4.81% ▲ 2.07% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 2.07% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 14, 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% ▲ 2.07% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 2.07% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 14, 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% ▲ 1.76% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.76% above avgNationally 2.81%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; 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 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45% ▲ 1.71% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.71% above avgNationally 2.81%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; 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 3 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 3 Year CD
$0
4.44% ▲ 1.70% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.70% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.23% APYOct 8, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.44%▲ from 4.23%
  • Sep 24, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40% ▲ 1.66% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.81%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; 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 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30% ▲ 1.56% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.56% above avgNationally 2.81%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; 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 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Traditional IRA Share Certificate
$0
4.28% ▲ 1.54% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.54% above avgNationally 2.81%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.93%3.95%4.96%Sep 14, 2026: 3.61% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Share Certificate
$0
4.18% ▲ 1.44% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.44% above avgNationally 2.81%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.51% → 4.18% ▲ 0.67 pts · high 4.18% / low 3.51%
2.83%3.84%4.85%Sep 14, 2026: 3.51% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.18%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificates of Deposit - 3 year
$1,000
4.16% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 12, 2026: 4.16% APYOct 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.41% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.74%▲ 1.41% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Years Add-On Certificate
$0
4.15% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.74%▲ 1.41% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026

York 48 Month CD Rates

Pennsylvania 48 Month CD Average2.64% APYNational 2.80%▼ 0.02% 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%
2951 Whiteford Rd, York, PA 17402
48 Month Certificate of Deposit
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month IRA CD
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month Certificate of Deposit
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month IRA CD
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month Certificate of Deposit
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month IRA CD
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 2, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month Certificate of Deposit
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.80%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 7, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month IRA CD
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.80%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month Certificate of Deposit
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
48 Month IRA CD
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
48 Month Heritage Gold Certificate
$0
2.80% ▲ 0.16% above Pennsylvania avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.64%▲ 0.16% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 10, 2026: 2.80% APYOct 10, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2990 E Market St, York, PA 17402
4 Year Online CD
$0
2.75% ▲ 0.11% above Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 0.11% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
48 Month Regular & IRA Certificates
$0
2.75% ▲ 0.11% above Pennsylvania avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.64%▲ 0.11% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 10, 2026: 2.75% APYOct 10, 2026Oct 14, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
48 Month Certificates & IRA Certificates
$0
2.65% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 0.01% above avgNationally 2.80%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 4 times
2.15%2.65%3.15%Sep 18, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
48 Month Share Certificates
$0
2.50% ▼ 0.14% below Pennsylvania avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▼ 0.14% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
IRA Share Certificates - 48 Months
$0
2.50% ▼ 0.14% below Pennsylvania avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▼ 0.14% below avgNationally 2.80%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 48 Months
$0
2.50% ▼ 0.14% below Pennsylvania avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▼ 0.14% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
48 Month Share Certificates
$500
2.50% ▼ 0.14% below Pennsylvania avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.64%▼ 0.14% below avgNationally 2.80%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1601 S Queen St, York, PA 17403 4630
48 Month Share Certificate
$0
2.46% ▼ 0.18% below Pennsylvania avg
View
▼
Rate2.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▼ 0.18% below avgNationally 2.80%
Details

Dividends compounded quarterly

Rate History
No change since Sep 14, 2026 · 2.46% APY · checked 7 times
1.96%2.46%2.96%Sep 14, 2026: 2.46% APYSep 14, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48 Month Certificate
$500
2.15% ▼ 0.49% below Pennsylvania avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.49% below avgNationally 2.80%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 2.15% APY · checked 4 times
1.65%2.15%2.65%Sep 12, 2026: 2.15% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 48 Month
$500
2.15% ▼ 0.49% below Pennsylvania avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.49% below avgNationally 2.80%
Details

Balance: $1,000,000.00 or more

Rate History
3 changes since Sep 12, 2026 · 1.80% → 2.15% ▲ 0.35 pts · high 2.15% / low 1.80%
1.30%1.98%2.65%Sep 12, 2026: 1.80% APYSep 25, 2026: 2.15% APYOct 8, 2026: 1.80% APYOct 12, 2026: 2.15% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.15%▲ from 1.80%
  • Oct 8, 20261.80%▼ from 2.15%
  • Sep 25, 20262.15%▲ from 1.80%
  • Sep 12, 20261.80%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48 Month Certificate
$500
2.10% ▼ 0.54% below Pennsylvania avg
View
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.54% below avgNationally 2.80%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 2.10% APY · checked 3 times
1.60%2.10%2.60%Oct 4, 2026: 2.10% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 48 Month
$500
2.10% ▼ 0.54% below Pennsylvania avg
View
▼
Rate2.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.54% below avgNationally 2.80%
Details

Balance: $100,000.00 - $499,999.99

Rate History
3 changes since Sep 12, 2026 · 1.80% → 2.10% ▲ 0.30 pts · high 2.10% / low 1.80%
1.30%1.95%2.60%Sep 12, 2026: 1.80% APYSep 25, 2026: 2.10% APYOct 8, 2026: 1.80% APYOct 12, 2026: 2.10% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.10%▲ from 1.80%
  • Oct 8, 20261.80%▼ from 2.10%
  • Sep 25, 20262.10%▲ from 1.80%
  • Sep 12, 20261.80%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48 Month Certificate
$500
2.00% ▼ 0.64% below Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.64% below avgNationally 2.80%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 48 Month
$500
2.00% ▼ 0.64% below Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.64% below avgNationally 2.80%
Details

Balance: $75,000.00 - $99,999.99

Rate History
3 changes since Sep 12, 2026 · 1.80% → 2.00% ▲ 0.20 pts · high 2.00% / low 1.80%
1.30%1.90%2.50%Sep 12, 2026: 1.80% APYSep 25, 2026: 2.00% APYOct 8, 2026: 1.80% APYOct 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.00%▲ from 1.80%
  • Oct 8, 20261.80%▼ from 2.00%
  • Sep 25, 20262.00%▲ from 1.80%
  • Sep 12, 20261.80%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48-Month Bump Up
$500
1.95% ▼ 0.69% below Pennsylvania avg
View
▼
Rate1.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.69% below avgNationally 2.80%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Oct 12, 2026 · 1.95% APY
1.45%1.95%2.45%Oct 12, 2026: 1.95% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48 Month Certificate
$500
1.90% ▼ 0.74% below Pennsylvania avg
View
▼
Rate1.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.74% below avgNationally 2.80%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.90% APY · checked 4 times
1.40%1.90%2.40%Sep 12, 2026: 1.90% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48-Month Bump Up
$500
1.90% ▼ 0.74% below Pennsylvania avg
View
▼
Rate1.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.74% below avgNationally 2.80%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.90% APY
1.40%1.90%2.40%Oct 12, 2026: 1.90% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 48 Month
$500
1.90% ▼ 0.74% below Pennsylvania avg
View
▼
Rate1.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.74% below avgNationally 2.80%
Details

Balance: $50,000.00 - $74,999.99

Rate History
3 changes since Sep 12, 2026 · 1.80% → 1.90% ▲ 0.10 pts · high 1.90% / low 1.80%
1.30%1.85%2.40%Sep 12, 2026: 1.80% APYSep 25, 2026: 1.90% APYOct 8, 2026: 1.80% APYOct 12, 2026: 1.90% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.90%▲ from 1.80%
  • Oct 8, 20261.80%▼ from 1.90%
  • Sep 25, 20261.90%▲ from 1.80%
  • Sep 12, 20261.80%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48 Month Certificate
$500
1.85% ▼ 0.79% below Pennsylvania avg
View
▼
Rate1.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.79% below avgNationally 2.80%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.85% APY · checked 4 times
1.35%1.85%2.35%Sep 12, 2026: 1.85% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 48 Month
$500
1.85% ▼ 0.79% below Pennsylvania avg
View
▼
Rate1.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.79% below avgNationally 2.80%
Details

Balance: $10,000.00 - $49,999.99

Rate History
3 changes since Sep 12, 2026 · 1.80% → 1.85% ▲ 0.05 pts · high 1.85% / low 1.80%
1.30%1.83%2.35%Sep 12, 2026: 1.80% APYSep 25, 2026: 1.85% APYOct 8, 2026: 1.80% APYOct 12, 2026: 1.85% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.85%▲ from 1.80%
  • Oct 8, 20261.80%▼ from 1.85%
  • Sep 25, 20261.85%▲ from 1.80%
  • Sep 12, 20261.80%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48 Month Certificate
$500
1.80% ▼ 0.84% below Pennsylvania avg
View
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.84% below avgNationally 2.80%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.80% APY · checked 4 times
1.30%1.80%2.30%Sep 12, 2026: 1.80% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48 Month IRA Certificate
$0
1.80% ▼ 0.84% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.84% below avgNationally 2.80%
Details

Rates effective October 12, 2026

Rate History
No change since Sep 12, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 12, 2026: 1.80% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48-Month Bump Up
$500
1.80% ▼ 0.84% below Pennsylvania avg
View
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.84% below avgNationally 2.80%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.80% APY
1.30%1.80%2.30%Oct 12, 2026: 1.80% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 48 Month
$500
1.80% ▼ 0.84% below Pennsylvania avg
View
▼
Rate1.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.84% below avgNationally 2.80%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 1.80% APY · checked 5 times
1.30%1.80%2.30%Sep 12, 2026: 1.80% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48-Month Bump Up
$500
1.70% ▼ 0.94% below Pennsylvania avg
View
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.94% below avgNationally 2.80%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.70% APY
1.20%1.70%2.20%Oct 12, 2026: 1.70% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48-Month Bump Up
$500
1.65% ▼ 0.99% below Pennsylvania avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 0.99% below avgNationally 2.80%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 12, 2026: 1.65% APYOct 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
48-Month Bump Up
$500
1.60% ▼ 1.04% below Pennsylvania avg
View
▼
Rate1.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 1.04% below avgNationally 2.80%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Oct 12, 2026 · 1.60% APY
1.10%1.60%2.10%Oct 12, 2026: 1.60% APYOct 12, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2801 E Market St, York, PA 17402
4 Year CD
$500
1.15% ▼ 1.49% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▼ 1.49% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
48 Month Certificate
$0
1.01% ▼ 1.63% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▼ 1.63% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
48 Month Certificate of Deposit
$0
0.03% ▼ 2.61% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▼ 2.61% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
48 Month Certificate of Deposit
$0
0.02% ▼ 2.62% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▼ 2.62% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
48 Month Certificate of Deposit
$0
0.01% ▼ 2.63% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▼ 2.63% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 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 13, 2026
Pennsylvania Average2.64%▲ 1.96% above avgNationally 2.80%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 14, 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 13, 2026
Pennsylvania Average2.64%▲ 1.91% above avgNationally 2.80%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 14, 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 13, 2026
Pennsylvania Average2.64%▲ 1.86% above avgNationally 2.80%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 4 Year CD
$0
4.49% ▲ 1.85% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.85% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
3.73%4.36%4.99%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.28% APYOct 8, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.49%▲ from 4.28%
  • Sep 24, 20264.28%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40% ▲ 1.76% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.76% above avgNationally 2.80%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 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 13, 2026
Pennsylvania Average2.64%▲ 1.75% above avgNationally 2.80%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.39% ▲ 0.73 pts · high 4.39% / low 3.66%
2.93%4.02%5.11%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.39%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Share Certificate
$0
4.28% ▲ 1.64% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.64% above avgNationally 2.80%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
2.83%3.92%5.01%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.28%▲ from 3.56%
  • Sep 14, 20263.56%first recorded

York 60 Month CD Rates

Pennsylvania 60 Month CD Average2.75% APYNational 2.91%▲ 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%
2951 Whiteford Rd, York, PA 17402
60 Month Certificate of Deposit
$0
4.63% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.88% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 7, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month IRA CD
$0
4.63% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.88% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 2, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month Certificate of Deposit
$0
4.58% ▲ 1.83% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.83% above avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month IRA CD
$0
4.58% ▲ 1.83% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.83% above avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month Certificate of Deposit
$0
4.42% ▲ 1.67% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.67% above avgNationally 2.91%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month IRA CD
$0
4.42% ▲ 1.67% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.67% above avgNationally 2.91%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month Certificate of Deposit
$0
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.91%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 7, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month IRA CD
$0
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.91%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 2, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month Certificate of Deposit
$0
3.96% ▲ 1.21% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.21% above avgNationally 2.91%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
3.25%3.86%4.46%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.96% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.96%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
2951 Whiteford Rd, York, PA 17402
60 Month IRA CD
$0
3.96% ▲ 1.21% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.21% above avgNationally 2.91%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
3.25%3.86%4.46%Sep 18, 2026: 3.75% APYOct 2, 2026: 3.96% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.96%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
60 Month Heritage Gold Certificate
$0
2.90% ▲ 0.15% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 0.15% above avgNationally 2.91%
Details

Rate History
No change since Oct 10, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 10, 2026: 2.90% APYOct 10, 2026Oct 14, 2026
HERITAGE VALLEY
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
2400 Pleasant Valley Rd, York, PA 17402 9624
60 Month Regular & IRA Certificates
$0
2.85% ▲ 0.10% above Pennsylvania avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▲ 0.10% above avgNationally 2.91%
Details

Rate History
No change since Oct 10, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 10, 2026: 2.85% APYOct 10, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2990 E Market St, York, PA 17402
5 Year Online CD
$0
2.75% At Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
60 Month Share Certificates
$0
2.75% At Pennsylvania avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
IRA Share Certificates - 60 Months
$0
2.75% At Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

Penalty for early withdrawal applies

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
First Capital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1601 Kenneth Rd, York, PA 17408 2228
Share Certificate - 60 Months
$0
2.75% At Pennsylvania avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
White Rose Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3498 Industrial Hwy, York, PA 17402 9050
60 Month Share Certificates
$500
2.75% At Pennsylvania avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2010 Pennsylvania Ave, York, PA 17404 1791
60 Month Certificates & IRA Certificates
$0
2.70% ▼ 0.05% below Pennsylvania avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▼ 0.05% below avgNationally 2.91%
Details

Minimum daily balance of $500 required to earn the disclosed APY

Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 4 times
2.20%2.70%3.20%Sep 18, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
60 Month Share Certificates
$500
2.53% ▼ 0.22% below Pennsylvania avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▼ 0.22% below avgNationally 2.91%
Details

Balance: $100,001 & Up

Rate History
No change since Oct 6, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 6, 2026: 2.53% APYOct 6, 2026Oct 14, 2026
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
60 Month Share Certificates
$500
2.43% ▼ 0.32% below Pennsylvania avg
View
▼
Rate2.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▼ 0.32% below avgNationally 2.91%
Details

Balance: $50,001 - $100,000

Rate History
No change since Oct 6, 2026 · 2.43% APY · checked 2 times
1.93%2.43%2.93%Oct 6, 2026: 2.43% APYOct 6, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
60 Month Certificate
$500
2.40% ▼ 0.35% below Pennsylvania avg
View
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.35% below avgNationally 2.91%
Details

Balance: $1,000,000.00 or more; Open Online

Rate History
No change since Sep 12, 2026 · 2.40% APY · checked 4 times
1.90%2.40%2.90%Sep 12, 2026: 2.40% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 60 Month
$500
2.40% ▼ 0.35% below Pennsylvania avg
View
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.35% below avgNationally 2.91%
Details

Balance: $1,000,000.00 or more

Rate History
3 changes since Sep 12, 2026 · 1.95% → 2.40% ▲ 0.45 pts · high 2.40% / low 1.95%
1.45%2.18%2.90%Sep 12, 2026: 1.95% APYSep 25, 2026: 2.40% APYOct 8, 2026: 1.95% APYOct 12, 2026: 2.40% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.40%▲ from 1.95%
  • Oct 8, 20261.95%▼ from 2.40%
  • Sep 25, 20262.40%▲ from 1.95%
  • Sep 12, 20261.95%first recorded
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
60 Month Share Certificates
$500
2.32% ▼ 0.43% below Pennsylvania avg
View
▼
Rate2.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▼ 0.43% below avgNationally 2.91%
Details

Balance: $10,001 - $50,000

Rate History
No change since Oct 6, 2026 · 2.32% APY · checked 2 times
1.82%2.32%2.82%Oct 6, 2026: 2.32% APYOct 6, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
60 Month Certificate
$500
2.30% ▼ 0.45% below Pennsylvania avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.45% below avgNationally 2.91%
Details

Balance: $100,000.00 - $499,999.99; Open Online

Rate History
No change since Oct 4, 2026 · 2.30% APY · checked 3 times
1.80%2.30%2.80%Oct 4, 2026: 2.30% APYOct 4, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 60 Month
$500
2.30% ▼ 0.45% below Pennsylvania avg
View
▼
Rate2.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.45% below avgNationally 2.91%
Details

Balance: $100,000.00 - $499,999.99

Rate History
3 changes since Sep 12, 2026 · 1.95% → 2.30% ▲ 0.35 pts · high 2.30% / low 1.95%
1.45%2.13%2.80%Sep 12, 2026: 1.95% APYSep 25, 2026: 2.30% APYOct 8, 2026: 1.95% APYOct 12, 2026: 2.30% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.30%▲ from 1.95%
  • Oct 8, 20261.95%▼ from 2.30%
  • Sep 25, 20262.30%▲ from 1.95%
  • Sep 12, 20261.95%first recorded
NEW CUMBERLAND
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 Memory Ln, York, PA 17402 2364
60 Month Share Certificates
$500
2.27% ▼ 0.48% below Pennsylvania avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Pennsylvania Average2.75%▼ 0.48% below avgNationally 2.91%
Details

Balance: $500 - $10,000

Rate History
No change since Oct 6, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 6, 2026: 2.27% APYOct 6, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
60 Month Certificate
$500
2.15% ▼ 0.60% below Pennsylvania avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.60% below avgNationally 2.91%
Details

Balance: $75,000.00 - $99,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 2.15% APY · checked 4 times
1.65%2.15%2.65%Sep 12, 2026: 2.15% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 60 Month
$500
2.15% ▼ 0.60% below Pennsylvania avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.60% below avgNationally 2.91%
Details

Balance: $75,000.00 - $99,999.99

Rate History
3 changes since Sep 12, 2026 · 1.95% → 2.15% ▲ 0.20 pts · high 2.15% / low 1.95%
1.45%2.05%2.65%Sep 12, 2026: 1.95% APYSep 25, 2026: 2.15% APYOct 8, 2026: 1.95% APYOct 12, 2026: 2.15% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.15%▲ from 1.95%
  • Oct 8, 20261.95%▼ from 2.15%
  • Sep 25, 20262.15%▲ from 1.95%
  • Sep 12, 20261.95%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
60 Month Certificate
$500
2.05% ▼ 0.70% below Pennsylvania avg
View
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.70% below avgNationally 2.91%
Details

Balance: $50,000.00 - $74,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 2.05% APY · checked 4 times
1.55%2.05%2.55%Sep 12, 2026: 2.05% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 60 Month
$500
2.05% ▼ 0.70% below Pennsylvania avg
View
▼
Rate2.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.70% below avgNationally 2.91%
Details

Balance: $50,000.00 - $74,999.99

Rate History
3 changes since Sep 12, 2026 · 1.95% → 2.05% ▲ 0.10 pts · high 2.05% / low 1.95%
1.45%2.00%2.55%Sep 12, 2026: 1.95% APYSep 25, 2026: 2.05% APYOct 8, 2026: 1.95% APYOct 12, 2026: 2.05% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.05%▲ from 1.95%
  • Oct 8, 20261.95%▼ from 2.05%
  • Sep 25, 20262.05%▲ from 1.95%
  • Sep 12, 20261.95%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
60 Month Certificate
$500
2.00% ▼ 0.75% below Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.75% below avgNationally 2.91%
Details

Balance: $10,000.00 - $49,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 60 Month
$500
2.00% ▼ 0.75% below Pennsylvania avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.75% below avgNationally 2.91%
Details

Balance: $10,000.00 - $49,999.99

Rate History
3 changes since Sep 12, 2026 · 1.95% → 2.00% ▲ 0.05 pts · high 2.00% / low 1.95%
1.45%1.98%2.50%Sep 12, 2026: 1.95% APYSep 25, 2026: 2.00% APYOct 8, 2026: 1.95% APYOct 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.00%▲ from 1.95%
  • Oct 8, 20261.95%▼ from 2.00%
  • Sep 25, 20262.00%▲ from 1.95%
  • Sep 12, 20261.95%first recorded
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
60 Month Certificate
$500
1.95% ▼ 0.80% below Pennsylvania avg
View
▼
Rate1.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.80% below avgNationally 2.91%
Details

Balance: $500.00 - $9,999.99; Open Online

Rate History
No change since Sep 12, 2026 · 1.95% APY · checked 4 times
1.45%1.95%2.45%Sep 12, 2026: 1.95% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
60 Month IRA Certificate
$0
1.95% ▼ 0.80% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.80% below avgNationally 2.91%
Details

Rates effective October 12, 2026

Rate History
No change since Sep 12, 2026 · 1.95% APY · checked 3 times
1.45%1.95%2.45%Sep 12, 2026: 1.95% APYSep 12, 2026Oct 14, 2026
Members 1st Federal Credit Union Enola, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2145 White St, York, PA 17404
IRA Certificate - 60 Month
$500
1.95% ▼ 0.80% below Pennsylvania avg
View
▼
Rate1.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 0.80% below avgNationally 2.91%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 1.95% APY · checked 5 times
1.45%1.95%2.45%Sep 12, 2026: 1.95% APYSep 12, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2801 E Market St, York, PA 17402
5 Year CD
$500
1.25% ▼ 1.50% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▼ 1.50% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
30 S George St, York, PA 17401
60 Month Certificate
$0
1.01% ▼ 1.74% below Pennsylvania avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▼ 1.74% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
60 Month Certificate of Deposit
$0
0.03% ▼ 2.72% below Pennsylvania avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▼ 2.72% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
60 Month Certificate of Deposit
$0
0.02% ▼ 2.73% below Pennsylvania avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▼ 2.73% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1511 Kenneth Rd, York, PA 17408
60 Month Certificate of Deposit
$0
0.01% ▼ 2.74% below Pennsylvania avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▼ 2.74% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.81% ▲ 2.06% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 2.06% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.81% ▲ 0.44 pts · high 4.81% / low 4.37%
3.87%4.59%5.31%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.81% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.81%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.66% ▲ 1.91% above Pennsylvania avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.91% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.66% ▲ 0.29 pts · high 4.66% / low 4.37%
3.87%4.52%5.16%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.66% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.66%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60% ▲ 1.85% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.85% above avgNationally 2.91%
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 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 5 Year CD
$0
4.59% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.84% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 4.28% → 4.59% ▲ 0.31 pts · high 4.59% / low 4.28%
3.78%4.44%5.09%Sep 14, 2026: 4.28% APYSep 24, 2026: 4.33% APYOct 8, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.59%▲ from 4.33%
  • Sep 24, 20264.33%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.56% ▲ 1.81% above Pennsylvania avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.81% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.56% ▲ 0.19 pts · high 4.56% / low 4.37%
3.87%4.47%5.06%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.56% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.56%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55% ▲ 1.80% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.80% above avgNationally 2.91%
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 13, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50% ▲ 1.75% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.75% above avgNationally 2.91%
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 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.45% ▲ 1.70% above Pennsylvania avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.70% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.45% ▲ 0.08 pts · high 4.45% / low 4.37%
3.87%4.41%4.95%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.45%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
60 Month Traditional IRA Share Certificate
$0
4.44% ▲ 1.69% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.69% above avgNationally 2.91%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.44% ▲ 0.78 pts · high 4.44% / low 3.66%
2.88%4.05%5.22%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.44%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40% ▲ 1.65% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.65% above avgNationally 2.91%
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 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 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 York, Pennsylvania Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Citizens & Northern Bank C&N
60 Month Certificate of Deposit
A 5.0 ★ TX: 10.85%
Min: $0
4.63%
Santander Bank
18-Month CD
A 5.0 ★ TX: 8.00%
Min: $500
4.00%
Northwest Bank Warren, PA
12-month CD
A+ 5.0 ★ TX: 3.99%
Min: $0
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Citizens Access
1 Year Online CD
A+ 5.0 ★ TX: 5.44%
Min: $0
3.25%
CU Top 5 Credit Union Rates
York Educational Federal Credit Union
12 Month Special CD Rate
A+ 5.0 ★ TX: 0.67%
Min: $0
4.00%
HERITAGE VALLEY
12 Month Heritage Gold Certificate
A 5.0 ★ TX: 7.26%
Min: $0
3.95%
First Capital Federal Credit Union
12 Month Share Certificates
A+ 5.0 ★ TX: 0.95%
Min: $0
3.75%
Pennsylvania State Employees Credit Union
18 Month Certificates & IRA Certificates
A+ 5.0 ★ TX: 4.23%
Min: $0
3.65%
White Rose Credit Union
18 Month Share Certificates
A+ 5.0 ★ TX: 1.86%
Min: $500
3.55%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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York, PA CD Rate Trends

Compare local York, 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
2.956%
▼ 0.006 vs 7 days ago

Pennsylvania 12-month CD rates fell 0.006 points over the past 7 days to 2.956% APY.

6-Month CD PA Avg
2.769%
▼ 0.034 vs 7 days ago

Pennsylvania 6-month CD rates fell 0.034 points over the past 7 days to 2.769% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

PA CD Rate Forecast, Next 12 Months

Where are Pennsylvania CD rates headed through October 2027?

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

PA 12-Month Avg APY
2.956%
6-Month Forecast
2.956%
Range: 2.76%, 3.11%
12-Month Forecast
3.206%
Range: 3.01%, 3.36%

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

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

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

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

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What Your Savings Earn at PA CD Rates Today

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

CD Term PA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.786% $89.28 $178.56 $446.40 $892.80
6-Month CD 2.769% $138.45 $276.90 $692.25 $1,384.50
12-Month CD 2.956% $147.81 $295.61 $739.03 $1,478.05
18-Month CD 2.989% $149.44 $298.87 $747.18 $1,494.35
24-Month CD 2.872% $143.61 $287.22 $718.05 $1,436.10
36-Month CD 2.744% $137.19 $274.38 $685.95 $1,371.90
48-Month CD 2.640% $131.99 $263.97 $659.93 $1,319.85
60-Month CD 2.753% $137.64 $275.29 $688.22 $1,376.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for York, 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 1.786% $89.28
2 6-Month CD $5,000 2.769% $138.45
3 12-Month CD $5,000 2.956% $147.81
4 24-Month CD $5,000 2.872% $143.61
5 36-Month CD $5,000 2.744% $137.19
Total ($25,000 invested) $25,000 2.625% blended $656.34/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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2,466
CD Rates
Tracked in York, Pennsylvania
49 Banks 81 Credit Unions

About Our York, Pennsylvania CD Rate Database

MonitorBankRates tracks 2,466 CD rates from 49 banks and 81 credit unions with locations in York, 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 York, Pennsylvania.

How to Find the Best CD Rates in York, Pennsylvania

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

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

Consider an Alternative If…

York, Pennsylvania Financial Snapshot

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

Population 65+
13.1%
National avg: 17.3%
Median Individual Earnings
$32,509
National avg: $47,340
Poverty Rate
21.1%
National avg: 11.1%
Unemployment Rate
10.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$96/yr
At PA 12-mo avg 2.956% APY

13.1% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.7% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s PA 12-month CD average of 2.956%, saving 10% of the local median salary ($3,250/year) and putting it in a CD would earn an additional $96 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 York, Pennsylvania

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

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in York, Pennsylvania

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in York, 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 York, Pennsylvania as everywhere in the U.S.

Choosing a CD Term in York, Pennsylvania

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give York, Pennsylvania savers easier access to their funds. For example, Citizens & Northern Bank C&N is offering its 6 Month Certificate of Deposit 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 60 Month Certificate of Deposit 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 for York, Pennsylvania Savers

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

How CD Interest Is Paid in York, Pennsylvania

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

Fixed vs. Variable CD Rates in York, Pennsylvania

Most CDs carry a fixed rate that is locked for the entire term, protecting a York, 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 York, Pennsylvania

Are CD rates in York, Pennsylvania FDIC insured?

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

Here are recent top rates found for this area:
  • Citizens & Northern Bank C&N: 4.63% APY (60 Month Certificate of Deposit)
  • Santander Bank: 4.00% APY (18-Month CD)
  • Northwest Bank Warren, PA: 4.00% APY (12-month CD)
  • York Educational Federal Credit Union: 4.00% APY (12 Month Special CD Rate)
  • HERITAGE VALLEY: 3.95% APY (12 Month Heritage Gold Certificate)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • First Capital Federal Credit Union: 3.75% APY (12 Month Share Certificates)
  • Pennsylvania State Employees Credit Union: 3.65% APY (18 Month Certificates & IRA Certificates)
  • White Rose Credit Union: 3.55% APY (18 Month Share Certificates)
  • Citizens Access: 3.25% APY (1 Year Online CD)
Rates reflect recent verified offers available in York, Pennsylvania. Last Updated: October 13, 2026

York, 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 York, 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 York, Pennsylvania CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in York, Pennsylvania. Averages shown use the Pennsylvania state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for York, Pennsylvania

York, 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.

York, Pennsylvania CD Ladder

PA CD rates currently range from 1.786% (3-month) to 2.744% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a York, 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 2.956% 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 York, 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 York, 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 York, 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 13, 2026

York, Pennsylvania Rates & Resources

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York, Pennsylvania Homeowners Insurance
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York, Pennsylvania Car Insurance