Bank · FDIC insured
AmeriServ Bank CD Rates
AmeriServ Bank’s best CD rate is 3.26% APY on an 18-month CD. Terms run from 3 months to 10 years. Rates checked October 16, 2026.
How AmeriServ Bank’s CD rates compare
Compared with banks and credit unions near Johnstown, PA, where AmeriServ Bank has the most branches. $10,000, best rate first.
This bank’s best
AmeriServ Bank
3.26%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $493
Certificates Of Deposit
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
S&T Bank
4.25%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,330
AmeriServ Bank CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.52%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo3.26%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.26%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where AmeriServ Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates Of Deposit
Up to 3.26%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCD only | 0.25% | $6 |
| 6 monthsCD only | 2.52% | $125 |
| 9 months | 0.75% | $56 |
| 12 months | 2.25% | $225 |
| 18 months | 3.26% | $493 |
| 24 months | 2.30% | $465 |
| 30 months | 2.00% | $508 |
| 36 months | 2.05% | $628 |
| 48 months | 2.15% | $888 |
| 60 months | 2.25% | $1,177 |
| 120 months | 2.25% | $2,492 |
Sources (2)
- ameriserv.com/personal/save/certificates-of-deposit
- ameriserv.com/resources/learn/rates/deposit-rates
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.26%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 0.75% | $56 |
| 12 months | 2.25% | $225 |
| 18 months | 3.26% | $493 |
| 24 months | 2.30% | $465 |
| 30 months | 2.00% | $508 |
| 36 months | 2.05% | $628 |
| 48 months | 2.15% | $888 |
| 60 months | 2.25% | $1,177 |
| 120 months | 2.25% | $2,492 |
Sources (2)
- ameriserv.com/personal/save/in…dual-retirement-accounts
- ameriserv.com/resources/learn/rates/deposit-rates
All 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.