Credit union · NCUA insured
PALCO Federal Credit Union CD Rates
Top CarrotPALCO Federal Credit Union’s best CD rate is 4.11% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How PALCO Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Williamsport, PA, where PALCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PALCO Federal Credit Union
4.11%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,231
Share Certificates
Top rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
First Citizens Community Bank
4.22%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $603
PALCO Federal Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.96%
- 31–60 months31–60 mo4.11%
- QualifiedQualified4.11%
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 PALCO 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.
Share Certificates
Up to 4.11%APY · 7 terms
Fixed rate time deposits. Dividends paid only at maturity on 6-month certificates; may be paid at maturity on terms not exceeding one year; on 12 to 60 month certificates, dividends may be paid monthly or quarterly by being deposited into a share account, mailed, or compounded back into the certificate.
| Term | APY · $250 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsEarly withdrawal penalty: 30 Days. Dividends paid only at maturity | 3.82% | 3.82% | 3.82% | 3.82%3.82% $250–$5k3.82% $5k–$10k | $189 |
| 12 monthsEarly withdrawal penalty: 90 Days | 3.85% | 3.85% | 3.85% | 3.85%3.85% $250–$5k3.85% $5k–$10k | $385 |
| 18 monthsEarly withdrawal penalty: 90 Days | 3.91% | 3.91% | 3.91% | 3.91%3.91% $250–$5k3.91% $5k–$10k | $592 |
| 24 monthsEarly withdrawal penalty: 1 Year | 3.96% | 3.96% | 3.96% | 3.96%3.96% $250–$5k3.96% $5k–$10k | $808 |
| 36 monthsEarly withdrawal penalty: 1 Year | 4.01% | 4.01% | 4.01% | 4.01%4.01% $250–$5k4.01% $5k–$10k | $1,252 |
| 48 monthsEarly withdrawal penalty: 1 Year | 4.06% | 4.06% | 4.06% | 4.06%4.06% $250–$5k4.06% $5k–$10k | $1,726 |
| 60 monthsEarly withdrawal penalty: 1 Year | 4.11% | 4.11% | 4.11% | 4.11%4.11% $250–$5k4.11% $5k–$10k | $2,231 |
Special-purpose accounts
Junior Certificates
Up to 4.11%APY · 6 terms
Available for members 18 years of age and under. Requires a joint owner over the age of 18 on the certificate. After the member reaches age 19, a renewing Junior Share Certificate is deposited automatically into savings with no automatic renewal; funds may be rolled over into a Regular Share Certificate.
| Term | APY · $250 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsEarly withdrawal penalty: 90 Days | 3.85% | 3.85% | 3.85% | 3.85%3.85% $250–$5k3.85% $5k–$10k | $385 |
| 18 monthsEarly withdrawal penalty: 90 Days | 3.91% | 3.91% | 3.91% | 3.91%3.91% $250–$5k3.91% $5k–$10k | $592 |
| 24 monthsEarly withdrawal penalty: 1 Year | 3.96% | 3.96% | 3.96% | 3.96%3.96% $250–$5k3.96% $5k–$10k | $808 |
| 36 monthsEarly withdrawal penalty: 1 Year | 4.01% | 4.01% | 4.01% | 4.01%4.01% $250–$5k4.01% $5k–$10k | $1,252 |
| 48 monthsEarly withdrawal penalty: 1 Year | 4.06% | 4.06% | 4.06% | 4.06%4.06% $250–$5k4.06% $5k–$10k | $1,726 |
| 60 monthsEarly withdrawal penalty: 1 Year | 4.11% | 4.11% | 4.11% | 4.11%4.11% $250–$5k4.11% $5k–$10k | $2,231 |
Who can join PALCO 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
- Membership is open to individuals who live, worship, work, regularly conduct business, or attend school in the rural districts of Bradford, Columbia, Lycoming, Montour, Northumberland, Sullivan, Tioga, or Union counties, Pennsylvania.
Cost to join
- It is free to sign up for membership.
Membership information collected October 5, 2026.