Credit union · NCUA insured
Penn State Federal Credit Union CD Rates
Penn State Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Penn State Federal Credit Union’s CD rates compare
Compared with banks and credit unions near State College, PA, where Penn State Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Penn State Federal Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $375
Share Certificate
Top rate
Arize Federal Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $412
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Penn State Federal Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.75%
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 State 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 Certificate
Up to 3.75%APY · 8 terms
Fixed terms from 6 to 60 months. Limited-time offer: Renew current CD at advertised rate to get a 0.05% Loyalty Bonus. Kids Club and Teen Club members can open with a minimum of $250. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.55% | $176 |
| 9 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.60% | $269 |
| 12 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.75% | $375 |
| 18 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.65% | $552 |
| 24 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.60% | $733 |
| 36 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.00% | $927 |
| 48 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.00% | $1,255 |
| 60 monthsKids Club and Teen Club members can open with a minimum of $250. Renew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.00% | $1,593 |
Sources (2)
- pennstatefederal.com/personal/…/certificates-of-deposit
- pennstatefederal.com/personal/save/savings-rates
All captured Sep 17, 2026
Special-purpose accounts
Certificate IRA
Up to 3.75%APY · 8 terms
Traditional, ROTH & Educational IRAs are available in certificate terms from 6 to 60 months. Limited-time offer: Renew current CD at advertised rate to get a 0.05% Loyalty Bonus. Early withdrawal fee applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.55% | $176 |
| 9 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.60% | $269 |
| 12 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.75% | $375 |
| 18 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.65% | $552 |
| 24 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.60% | $733 |
| 36 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.00% | $927 |
| 48 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.00% | $1,255 |
| 60 monthsRenew current CD at advertised rate for a 0.05% Loyalty Bonus | 3.00% | $1,593 |
Sources (2)
- pennstatefederal.com/personal/…idual-retirement-account
- pennstatefederal.com/personal/save/savings-rates
All captured Sep 17, 2026
Who can join Penn State Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals who work for eligible partner local companies are eligible for membership.
- Individuals who work for Penn State Federal Credit Union are eligible for membership.
Military, government and schools
- Individuals who are a friend (or member) of the Centre County Chapter of the Penn State Alumni Association are eligible for membership.
- Individuals who work for, attend class at, or are retired from Penn State University are eligible for membership.
Family and household
- Family members or persons living in the same household as an eligible individual are eligible to join.
Membership information collected October 5, 2026.