Bank · FDIC insured
Mid Penn Bank CD Rates
Mid Penn Bank’s best CD rate is 3.95% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Mid Penn Bank’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Mid Penn Bank has the most branches. $10,000, best rate first.
This bank’s best
Mid Penn Bank
3.95%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $295
Certificate of Deposit
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Mid Penn Bank CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.95%
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 Mid 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.
Certificate of Deposit
Up to 3.95%APY · 10 terms
Rates shown for ZIP code 17061 (Central PA). Annual Percentage Yields (APY) based on semi-annual compounding. Substantial penalty for early withdrawal. $500 minimum balance, $50,000 maximum balance when opening online (visit a branch for amounts over $50,000). Terms from 60 months to 10 years available when opened in a financial center. Automatically renews upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.60% | $89 |
| 6 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.85% | $191 |
| 9 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.95% | $295 |
| 12 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.95% | $395 |
| 18 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.60% | $545 |
| 24 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.50% | $712 |
| 30 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.25% | $832 |
| 36 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.20% | $991 |
| 48 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.20% | $1,343 |
| 60–120 monthsAPY based on semi-annual compounding. Substantial penalty for early withdrawal | 3.20% | $1,706 |
Sources (1)
- midpennbank.com/featured-rates · captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate
Up to 3.95%APY · 5 terms
Rates shown for ZIP code 17061 (Central PA). Annual Percentage Yield (APY) based on annual compounding. Substantial penalty for early withdrawal.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsFixed rate. Annual Percentage Yield (APY) based on annual compounding. Substantial penalty for early withdrawal | — | 3.95% | 3.95% | $395 |
| 24 monthsFixed rate add-on feature: can add deposits in amounts of $25 or more at any time. Minimum balance of $100. Annual Percentage Yield (APY) based on annual compounding. Substantial penalty for early withdrawal | 3.95% | — | 3.95% | $806 |
| 36 monthsFixed rate. Annual Percentage Yield (APY) based on annual compounding. Substantial penalty for early withdrawal | — | 3.20% | 3.20% | $991 |
| 48 monthsFixed rate. Annual Percentage Yield (APY) based on annual compounding. Substantial penalty for early withdrawal | — | 3.20% | 3.20% | $1,343 |
| 60–120 monthsFixed rate. Annual Percentage Yield (APY) based on annual compounding. Substantial penalty for early withdrawal | — | 3.20% | 3.20% | $1,706 |
Sources (1)
- midpennbank.com/featured-rates · captured Oct 6, 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.