Credit union · NCUA insured
Lancaster Red Rose Credit Union CD Rates
Lancaster Red Rose Credit Union’s best CD rate is 3.55% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Lancaster Red Rose Credit Union’s CD rates compare
Compared with banks and credit unions near Lancaster, PA, where Lancaster Red Rose Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lancaster Red Rose Credit Union
3.55%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $295
Share Certificates
Top rate
Citadel Credit Union
4.35%APY
- Term
- 20 months
- Minimum
- $500
- Earns on $10,000
- $735
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Lancaster Red Rose Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo0.40%
- QualifiedQualified3.55%
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 Lancaster Red Rose Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.55%APY · 10 terms
No setup or maintenance fees. Early withdrawals subject to penalty (may result in forfeiture of 6 months' interest).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.15% | $7 |
| 10 monthsLimited time offer. Automatically renews to standard 12-month CD product at maturity. Additional deposits or withdrawals of principal after opening date are not permitted. May not be combined with other offers | 3.55% | $295 |
| 12 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.30% | $30 |
| 15 monthsLimited time offer. Automatically renews to standard 18-month CD product with current corresponding rate at maturity. Additional deposits or withdrawals of principal after opening date are not permitted. May not be combined with other offers | 3.55% | $446 |
| 18 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $60 |
| 20 monthsLimited time offer. Automatically renews to standard 24-month CD product at maturity. Additional deposits or withdrawals of principal after opening date are not permitted. May not be combined with other offers | 3.55% | $599 |
| 24 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $80 |
| 36 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $120 |
| 48 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $161 |
| 60 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $202 |
Sources (2)
All captured Sep 17, 2026
Jumbo Share Certificates
Up to 0.50%APY · 7 terms
No setup or maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.20% | — |
| 12 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.35% | — |
| 18 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.45% | — |
| 24 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.45% | — |
| 36 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.45% | — |
| 48 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.50% | — |
| 60 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.50% | — |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.55%APY · 10 terms
Traditional and Roth IRA options available. No setup fees, no monthly or annual maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.15% | $7 |
| 10 monthsLimited time offer. Automatically renews to standard 12-month CD product at maturity. Additional deposits or withdrawals of principal after opening date are not permitted. May not be combined with other offers | 3.55% | $295 |
| 12 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.30% | $30 |
| 15 monthsLimited time offer. Automatically renews to standard 18-month CD product with current corresponding rate at maturity. Additional deposits or withdrawals of principal after opening date are not permitted. May not be combined with other offers | 3.55% | $446 |
| 18 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $60 |
| 20 monthsLimited time offer. Automatically renews to standard 24-month CD product at maturity. Additional deposits or withdrawals of principal after opening date are not permitted. May not be combined with other offers | 3.55% | $599 |
| 24 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $80 |
| 36 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $120 |
| 48 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $161 |
| 60 monthsPenalty for early withdrawal. APY assumes interest remains on deposit until maturity | 0.40% | $202 |
Sources (2)
All captured Sep 17, 2026
Jumbo IRA Certificates
Up to 0.50%APY · 7 terms
Traditional and Roth IRA options available. No setup fees, no monthly or annual maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.20% | — |
| 12 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.35% | — |
| 18 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.45% | — |
| 24 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.45% | — |
| 36 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.45% | — |
| 48 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.50% | — |
| 60 monthsPenalty for early withdrawal. Minimum balance required to open and obtain APY | 0.50% | — |
Sources (2)
All captured Sep 17, 2026
Who can join Lancaster Red Rose Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, worships, or attends school in Lancaster County, Pennsylvania.
Employers and groups
- Membership is open to employees of over 55 partner Select Employer Groups throughout Lancaster County.
Family and household
- Membership is open to immediate family members or household members of eligible persons.
Other ways
- Businesses and other legal entities within the community boundaries may qualify for membership.
Cost to join
- An initial deposit is required when submitting a membership application.
- A membership fee is required when submitting a membership application.
Membership information collected October 5, 2026.