Credit union · NCUA insured
Penlanco Federal Credit Union CD Rates
Penlanco Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Penlanco Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lancaster, PA, where Penlanco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Penlanco Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
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
Penlanco Federal Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
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 Penlanco 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 4.00%APY · 6 terms
Early withdrawal penalties apply. Withdrawal penalties impact APY. Members Helping Members - New Money Certificate Special requires new money (funds not currently on deposit with Penlanco FCU; transfers from existing accounts/certificates do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify). Maximum $1 million in total deposits accepted under promotion with limit of $250,000 per household. Fees may reduce earnings.
| Term | APY · Any balance | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY | 3.60% | — | — | 3.60% | $178 |
| 12 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY | 3.70% | — | — | 3.70% | $370 |
| 12 monthsMembers Helping Members — New Money Certificate Special. Minimum deposit of $50,000 in new money required. Certificate term is 12 months. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Maximum $1 million in total deposits accepted under promotion, limit $250,000 per household. New money is defined as funds not currently on deposit with Penlanco FCU; transfers do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify | — | — | 4.25% | —4.25% from $50k | — |
| 12 monthsMembers Helping Members — New Money Certificate Special. Minimum deposit of $500 in new money required. Certificate term is 12 months. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Maximum $1 million in total deposits accepted under promotion, limit $250,000 per household. New money is defined as funds not currently on deposit with Penlanco FCU; transfers do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify | — | 4.00% | — | 4.00% | $400 |
| 24 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY | 3.80% | — | — | 3.80% | $774 |
| 36 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY | 2.65% | — | — | 2.65% | $816 |
| 48 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY | 2.70% | — | — | 2.70% | $1,125 |
| 60 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY | 2.75% | — | — | 2.75% | $1,453 |
Sources (3)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 3.80%APY · 6 terms
Must establish a Traditional or Roth IRA with Penlanco FCU first. Available on balances of $500 or more. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY. Available on balances of $500 or more | 3.60% | $178 |
| 12 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY. Available on balances of $500 or more | 3.70% | $370 |
| 24 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY. Available on balances of $500 or more | 3.80% | $774 |
| 36 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY. Available on balances of $500 or more | 2.65% | $816 |
| 48 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY. Available on balances of $500 or more | 2.70% | $1,125 |
| 60 monthsEarly withdrawal penalties apply. Withdrawal penalties impact APY. Available on balances of $500 or more | 2.75% | $1,453 |
Sources (3)
- penlancofcu.com/rates
- penlancofcu.com/savings-certificates
- penlancofcu.com/individual-retirement-accounts
All captured Oct 6, 2026
Who can join Penlanco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, volunteers, students, clients, or members of participating employer groups and partner organizations are eligible for membership.
Military, government and schools
- Veterans, active-duty military members, and reservists are eligible for membership through partnership with the National Credit Union Coalition for America’s Heroes.
Family and household
- Immediate family (spouse, children, grandchildren, siblings, parents, grandparents, and step-relatives) and household members of current members or individuals eligible for membership are eligible to join.
Membership information collected October 5, 2026.