Bank · FDIC insured
Central Penn Bank CD Rates
Central Penn Bank’s best CD rate is 4.06% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked September 26, 2026.
How Central Penn Bank’s CD rates compare
Compared with banks and credit unions near Selinsgrove, PA, where Central Penn Bank has the most branches. $10,000, best rate first.
This bank’s best
Central Penn Bank
1.15%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $588
Fixed-Rate Certificate of Deposit
Top rate
Fulton Bank
4.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $231
2nd-highest rate
Service 1st Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Central Penn Bank CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo0.70%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo1.15%
- QualifiedQualified4.06%
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 Central Penn 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.
Fixed-Rate Certificate of Deposit
Up to 4.06%APY · 8 terms
Automatically renewable; early withdrawal penalty applies; interest compounded quarterly; options to compound interest, transfer to a deposit account, or receive check.
| Term | APY · Any balance | APY · $500 – $4,999 | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.50% | 0.60% | 0.60%0.50% $500–$5k | $30 |
| 12 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.55% | 0.70% | 0.70%0.55% $500–$5k | $70 |
| 18 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.50% | 0.75% | 0.75%0.50% $500–$5k | $113 |
| 24 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.55% | 0.80% | 0.80%0.55% $500–$5k | $161 |
| 24 monthsFeatured CD; all CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 4.06% | — | — | 4.06% | $828 |
| 30 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.60% | 0.85% | 0.85%0.60% $500–$5k | $214 |
| 36 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.75% | 1.00% | 1.00%0.75% $500–$5k | $303 |
| 48 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.80% | 1.05% | 1.05%0.80% $500–$5k | $427 |
| 60 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | — | 0.90% | 1.15% | 1.15%0.90% $500–$5k | $588 |
Sources (2)
All captured Sep 17, 2026
Variable Rate Certificate of Deposit
0.25%APY · 1 term
Automatically renewable; interest rates vary quarterly based on market conditions; interest compounded quarterly; resets on the 15th day of the first month of the quarter; one free withdrawal per calendar quarter; additional deposits allowed; no penalty for early withdrawals.
| Term | APY · $500 – $4,999 | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsIncludes Jumbo; effective 4/15; no penalty for early withdrawals; interest rates for variable rate accounts reset on the 15th day of the first month of the quarter; compounded quarterly | 0.25% | 0.25% | 0.25%0.25% $500–$5k | $25 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.06%APY · 8 terms
Available as Traditional IRA or Roth IRA; terms 6 to 60 months; interest compounded quarterly; early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 0.60% | $30 |
| 12 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 0.70% | $70 |
| 12 monthsVariable rate; includes Jumbo; effective 4/15; no penalty for early withdrawals; interest rates for variable rate accounts reset on the 15th day of the first month of the quarter; compounded quarterly | 0.25% | $25 |
| 18 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 0.75% | $113 |
| 24 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 0.80% | $161 |
| 24 monthsFeatured IRA Rate; all CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 4.06% | $828 |
| 30 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 0.85% | $214 |
| 36 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 1.00% | $303 |
| 48 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 1.05% | $427 |
| 60 monthsAll CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal | 1.15% | $588 |
Opening an account
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