Bank · FDIC insured
Penn Community Bank CD Rates
Penn Community Bank’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Penn Community Bank’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Penn Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Penn Community Bank
4.00%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $502
15 Month Breakable CD
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
Penn Community Bank CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo0.65%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo1.25%
- 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 Penn Community 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.
15 Month Breakable CD
4.00%APY · 1 term
Fixed interest rate for the term. A penalty is imposed for early withdrawal. Annual Percentage Yield assumes principal balance and interest earned remain on deposit until maturity. Credited end of month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsCredited end of month. Minimum to open is $500; maximum opening CD balance $1,000,000. Early withdrawal penalty applies | 4.00% | $502 |
Sources (1)
- penncommunitybank.com/personal/personal-banking-rates · captured Oct 16, 2026
13 Month CD Special
3.55%APY · 1 term
Fixed interest rate for the term. A penalty is imposed for early withdrawal. Annual Percentage Yield assumes principal balance and interest earned remain on deposit until maturity. Credited end of month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsCredited end of month. Minimum to open is $500; maximum opening CD balance $1,000,000. Early withdrawal penalty applies | 3.55% | $385 |
Sources (1)
- penncommunitybank.com/personal/personal-banking-rates · captured Oct 16, 2026
15 Month Promotional CD
3.35%APY · 1 term
Fixed interest rate for the term. A penalty is imposed for early withdrawal. Annual Percentage Yield assumes principal balance and interest earned remain on deposit until maturity. Credited end of month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsCredited end of month. Minimum to open is $500; maximum opening CD balance $1,000,000. Early withdrawal penalty applies | 3.35% | $420 |
Sources (1)
- penncommunitybank.com/personal/personal-banking-rates · captured Oct 16, 2026
Certificates of Deposit
Up to 1.25%APY · 9 terms
The Annual Percentage Yield (APY) assumes that principal balance and interest earned remain on deposit until maturity. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown91 Day Certificate. Credited end of month. Early withdrawal penalty applies | 0.55% | $0 |
| 6 months6 Month Certificate. Credited end of month. Early withdrawal penalty applies | 0.65% | $32 |
| 12 months12 Month Certificate. Credited end of month. Early withdrawal penalty applies | 0.75% | $75 |
| 18 months18 Month Certificate. Credited end of month. Early withdrawal penalty applies | 0.85% | $128 |
| 24 months24 Month Certificate. Credited end of month. Early withdrawal penalty applies | 1.00% | $201 |
| 30 months30 Month Certificate. Credited end of month. Early withdrawal penalty applies | 1.00% | $252 |
| 36 months36 Month Certificate. Credited end of month. Early withdrawal penalty applies | 1.00% | $303 |
| 48 months48 Month Certificate. Credited end of month. Early withdrawal penalty applies | 1.00% | $406 |
| 60 months60 Month Certificate. Credited end of month. Early withdrawal penalty applies | 1.25% | $641 |
Sources (1)
- penncommunitybank.com/personal/personal-banking-rates · captured Oct 16, 2026
Special-purpose accounts
13 Month IRA CD Special
3.55%APY · 1 term
Fixed interest rate for the term. A penalty is imposed for early withdrawal. Annual Percentage Yield assumes principal balance and interest earned remain on deposit until maturity. Credited end of month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsCredited end of month. Minimum to open is $500; maximum opening CD balance $1,000,000. Early withdrawal penalty applies | 3.55% | $385 |
Sources (1)
- penncommunitybank.com/personal/personal-banking-rates · captured Oct 16, 2026
15 Month Promotional IRA CD
3.35%APY · 1 term
Fixed interest rate for the term. A penalty is imposed for early withdrawal. Annual Percentage Yield assumes principal balance and interest earned remain on deposit until maturity. Credited end of month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsCredited end of month. Minimum to open is $500; maximum opening CD balance $1,000,000. Early withdrawal penalty applies | 3.35% | $420 |
Sources (1)
- penncommunitybank.com/personal/personal-banking-rates · captured Oct 16, 2026
Individual Retirement Accounts
Up to 1.25%APY · 8 terms
Annual percentage yield produced after one full year of compounding. APY rate assumes minimum reinvestment at the same rate for an annual period. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. IRAs are subject to the terms and conditions established by the Internal Revenue Service. Please consult your tax advisor on how the IRA rules apply to your personal situation. Offer subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month IRA Certificate. Credited end of month | 0.65% | $32 |
| 12 months12 Month IRA Time Deposit. Credited end of month | 0.75% | $75 |
| 18 months18 Month Fixed IRA. Credited end of month | 0.85% | $128 |
| 24 months24 Month IRA. Credited end of month | 1.00% | $201 |
| 30 months30 Month IRA. Credited end of month | 1.00% | $252 |
| 36 months36 Month IRA. Credited end of month | 1.00% | $303 |
| 48 months48 Month IRA. Credited end of month | 1.00% | $406 |
| 60 months60 Month IRA. Credited end of month | 1.25% | $641 |
Sources (1)
- penncommunitybank.com/personal/personal-banking-rates · captured Oct 16, 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.