Credit union · NCUA insured
PA Central Federal Credit Union CD Rates
PA Central Federal Credit Union’s best CD rate is 4.06% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How PA Central Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Harrisburg, PA, where PA Central Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PA Central Federal Credit Union
4.06%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $510
Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
PA Central Federal Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo1.26%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo1.76%
- 31–60 months31–60 mo2.27%
- 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 PA Central Federal 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.
Certificates
Up to 4.06%APY · 9 terms
Minimum deposit $1,000.00/Rates & Terms vary
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 1.26% | $63 |
| 9 monthsSPECIAL CD; Upon maturity, CD will automatically renew at standard 12 month rate. Not valid with any other offer | 2.02% | $151 |
| 12 months | 1.51% | $151 |
| 15 monthsSPECIAL CD; Upon maturity, CD will automatically renew at standard 12 month rate. Not valid with any other offer | 4.06% | $510 |
| 24 months | 1.76% | $355 |
| 36 months | 1.76% | $537 |
| 48 months | 2.02% | $833 |
| 60 months | 2.27% | $1,188 |
Special-purpose accounts
IRA Certificate
Up to 2.27%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.51% | $151 |
| 18 months | 1.76% | $265 |
| 36 months | 1.76% | $537 |
| 60 months | 2.27% | $1,188 |
Sources (1)
- pacentralfcu.com/rates · captured Sep 17, 2026
Who can join PA Central Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or conduct business in Dauphin, Cumberland, or Lebanon Counties are eligible for membership.
Family and household
- Individuals who are related to an existing member are eligible for membership.
Membership information collected October 5, 2026.