Bank · FDIC insured
Juniata Valley Bank CD Rates
Juniata Valley Bank’s best CD rate is 3.60% APY on a 4-year CD. Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Juniata Valley Bank’s CD rates compare
Compared with banks and credit unions near Lewistown, PA, where Juniata Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
Juniata Valley Bank
3.60%APY
- Term
- 48–59 months
- Minimum
- $1,000
- Earns on $10,000
- —
Certificates of Deposit
Top rate
Everence
4.10%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
PA Central Federal Credit Union
4.06%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $510
Juniata Valley Bank CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.39%
- 9–15 months9–15 mo3.34%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 Juniata Valley 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 3.60%APY · 15 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–6 monthsTerm: 90 - 181 Day | 3.29% | $81 |
| 5 monthsSpecial rate | 3.39% | $140 |
| 6–11 months | 3.39% | $168 |
| 12–17 months | 3.34% | $334 |
| 14 monthsSpecial rate | 3.34% | $391 |
| 18–23 months | 3.30% | $499 |
| 20 monthsSpecial rate | 3.30% | $556 |
| 24–29 months | 3.40% | $692 |
| 28 monthsSpecial rate | 3.30% | $787 |
| 30–35 months | 3.50% | $898 |
| 36–47 months | 3.55% | $1,103 |
| 48–59 months | 3.60% | $1,520 |
| 54 monthsSpecial rate | 3.31% | $1,578 |
| 60 months | 3.60% | $1,934 |
| 84 months | 2.39% | $1,798 |
Growth Certificate of Deposit
2.02%APY · 1 term
Variable rate account. Substantial penalty for early withdrawal. Assumes interest will remain on deposit until maturity.
| Term | APY · $100 – $1,000 | APY · $1,000 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsVariable rate account | 0.10% | 0.15% | 2.02% | 2.02%0.10% $100–$10000.15% $1k–$10k | $202 |
Special-purpose accounts
IRA CD
Up to 3.60%APY · 15 terms
Available as traditional or Roth IRA. No fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–6 monthsTerm: 90 - 181 Day | 3.29% | $81 |
| 5 monthsSpecial rate | 3.39% | $140 |
| 6–11 months | 3.39% | $168 |
| 12–17 months | 3.34% | $334 |
| 14 monthsSpecial rate | 3.34% | $391 |
| 18–23 months | 3.30% | $499 |
| 20 monthsSpecial rate | 3.30% | $556 |
| 24–29 months | 3.40% | $692 |
| 28 monthsSpecial rate | 3.30% | $787 |
| 30–35 months | 3.50% | $898 |
| 36–47 months | 3.55% | $1,103 |
| 48–59 months | 3.60% | $1,520 |
| 54 monthsSpecial rate | 3.31% | $1,578 |
| 60 months | 3.60% | $1,934 |
| 84 months | 2.39% | $1,798 |
Education IRA (Coverdell)
0.20%APY · 1 term
Variable rate account with a term of one year. Substantial penalty for early withdrawal. Assumes interest will remain on deposit until maturity. Coverdell Education Savings Account to cover elementary, secondary, and higher education expenses.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable rate account | 0.20% | $20 |
IRA Builder 12-Month Variable Rate CD
0.20%APY · 1 term
Variable rate account with a term of one year. Substantial penalty for early withdrawal. Assumes interest will remain on deposit until maturity. Accepts direct deposit through payroll deduction; automatic recurring transfers can be set up.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable rate account | 0.20% | $20 |
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.