Bank · FDIC insured
PennCrest Bank CD Rates
PennCrest Bank’s best CD rate is 3.75% APY on a 37-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How PennCrest Bank’s CD rates compare
Compared with banks and credit unions near Altoona, PA, where PennCrest Bank has the most branches. $10,000, best rate first.
This bank’s best
PennCrest Bank
3.75%APY
- Term
- 37 months
- Minimum
- $1,000
- Earns on $10,000
- $1,202
Certificates of Deposit (CDs)
Top rate
ARC Federal Credit Union
4.33%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,363
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
PennCrest Bank CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.75%
- 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 PennCrest 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.
Certificates of Deposit (CDs)
Up to 3.75%APY · 12 terms
Locked rate for length of term. A wide range of terms available from 91 days to 7 years. Early withdrawals subject to penalty. Relationship Rates are available to qualifying customers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies | 0.50% | $12 |
| 6 monthsEarly withdrawal penalty applies | 1.00% | $50 |
| 7 months7 Month Special. Early withdrawal penalty applies | 3.25% | $188 |
| 12 monthsEarly withdrawal penalty applies | 1.00% | $100 |
| 17 months17 Month Special. Early withdrawal penalty applies | 3.50% | $499 |
| 18 monthsEarly withdrawal penalty applies | 1.00% | $150 |
| 24 months24 Month No Penalty. No withdrawals permitted during the first seven (7) day period. No partial withdrawals permitted | 2.75% | $558 |
| 24 monthsEarly withdrawal penalty applies | 1.00% | $201 |
| 30 monthsEarly withdrawal penalty applies | 1.00% | $252 |
| 36 monthsEarly withdrawal penalty applies | 1.00% | $303 |
| 37 months37 Month Special. Early withdrawal penalty applies | 3.75% | $1,202 |
| 48 monthsEarly withdrawal penalty applies | 1.25% | $509 |
| 60 monthsEarly withdrawal penalty applies | 1.25% | $641 |
Special-purpose accounts
Individual Retirement Accounts (Fixed Rate)
Up to 3.75%APY · 12 terms
Available as Traditional and Roth IRAs. Substantial penalty for early withdrawal may apply. Relationship Rates are available to qualifying customers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA substantial penalty for early withdrawal may apply | 0.50% | $12 |
| 6 monthsA substantial penalty for early withdrawal may apply | 1.00% | $50 |
| 7 months7 Month Special. A substantial penalty for early withdrawal may apply | 3.25% | $188 |
| 12 monthsA substantial penalty for early withdrawal may apply | 1.00% | $100 |
| 17 months17 Month Special. A substantial penalty for early withdrawal may apply | 3.50% | $499 |
| 18 monthsA substantial penalty for early withdrawal may apply | 1.00% | $150 |
| 24 monthsA substantial penalty for early withdrawal may apply | 1.00% | $201 |
| 30 monthsA substantial penalty for early withdrawal may apply | 1.00% | $252 |
| 36 monthsA substantial penalty for early withdrawal may apply | 1.00% | $303 |
| 37 months37 Month Special. A substantial penalty for early withdrawal may apply | 3.75% | $1,202 |
| 48 monthsA substantial penalty for early withdrawal may apply | 1.25% | $509 |
| 60 monthsA substantial penalty for early withdrawal may apply | 1.25% | $641 |
Individual Retirement Accounts (Variable Rate)
0.75%APY · 1 term
Variable rate IRA certificate term. Interest rate and APY may change. A substantial penalty for early withdrawal may apply. Relationship Rates are available to qualifying customers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate. Interest rate and APY may change. Substantial penalty for early withdrawal may apply | 0.75% | $113 |
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.