Bank · FDIC insured
ACNB Bank CD Rates
A $3.3B bank, the 384th largest of 4,207, headquartered in Gettysburg, PA, with 32 branches in 2 states.
How ACNB Bank’s CD rates compare
Compared with banks and credit unions in Pennsylvania, where ACNB Bank has the most branches. $10,000, best rate first.
This bank’s best
ACNB Bank
4.00%APY
- Term
- 13 months
- Requires
- Conditions apply
- Minimum
- $5,000
- Earns on $10,000
- $434
Special CDs
Top rate
First Northern Bank and Trust
4.73%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $968
2nd-highest rate
Arize Federal Credit Union
4.50%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $412
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Special CDs
Up to 4.00%APY · 2 terms
Penalty for early withdrawal. Offer limited to customers residing or eligible business entities with operations within the ACNB servicing area. Government units and municipal funds are not eligible. CD specials may be modified or discontinued without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months$5,000 minimum NEW money requirement (not on deposit at ACNB Bank or Traditions Bank). Customer must have a new or existing ACNB Bank checking account with a recurring direct deposit of minimum $500 (Social Security, pension, or payroll) to receive promotional rate. Companies/businesses that cannot meet direct deposit requirement are eligible if other conditions met. Investments in 8 Month CD/IRA Specials limited to combined total of $1,000,000 | 3.75% | $248 |
| 13 months$5,000 minimum NEW money requirement (not on deposit at ACNB Bank or Traditions Bank). Investments in 13 Month CD/IRA Specials limited to combined total of $1,000,000 per person/entity. Matures to 12-month CD at that given rate | 4.00% | $434 |
Special IRA CDs
Up to 4.00%APY · 2 terms
Penalty for early withdrawal. Offer limited to customers residing or eligible business entities with operations within the ACNB servicing area. Government units and municipal funds are not eligible. CD specials may be modified or discontinued without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months$5,000 minimum NEW money requirement (not on deposit at ACNB Bank or Traditions Bank). Customer must have a new or existing ACNB Bank checking account with a recurring direct deposit of minimum $500 (Social Security, pension, or payroll) to receive promotional rate. Investments in 8 Month CD/IRA Specials limited to combined total of $1,000,000 | 3.75% | $248 |
| 13 months$5,000 minimum NEW money requirement (not on deposit at ACNB Bank or Traditions Bank). Investments in 13 Month CD/IRA Specials limited to combined total of $1,000,000 per person/entity. Matures to 12-month CD at that given rate | 4.00% | $434 |
Sources (1)
- acnb.com/special-cds · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.