Bank · FDIC insured
PennCrest Bank Savings Rates
PennCrest Bank’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How PennCrest Bank’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Reliance Bank
2.00%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $200
PennCrest Bank savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
Avoid the $11 monthly maintenance fee by maintaining a daily balance of $2,500. $2,500 minimum deposit to open. Access funds via up to 3 check writings and up to 3 electronic transfers per month. Variable rate can change at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Avoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. | 0.50% | $50 | Avoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. |
| $25,000 – $100,000Avoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. | 0.75% | — | Avoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. |
| $100,000 – $250,000Avoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. | 1.00% | — | Avoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. |
| $250,000 and upAvoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. | 2.00% | — | Avoid $11 monthly fee by maintaining a daily balance of $2,500. Rate is variable and can change at any time. |
Sources (3)
- penncrest.bank/personal/personal-savings
- penncrest.bank/personal/person…oney-market-account.html
- penncrest.bank/services-tools/tools/rates.html
All captured Oct 16, 2026
Passbook Savings
0.10%APY
Manage savings with a passbook; passbook required for withdrawals. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAvoid the $5 monthly maintenance fee by maintaining a $100 minimum balance.$100 and up | 0.10% | $10 | Avoid the $5 monthly maintenance fee by maintaining a $100 minimum balance. |
Statement Savings
0.10%APY
Interest paid monthly. Includes digital banking services and monthly statements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAvoid the $5 monthly maintenance fee by maintaining a $100 minimum balance. If balance is over $100, earn interest on entire balance.$100 and up | 0.10% | $10 | Avoid the $5 monthly maintenance fee by maintaining a $100 minimum balance. If balance is over $100, earn interest on entire balance. |
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.75%APY · 1 term
Available as Traditional and Roth IRAs. No annual fees or setup fees. Variable rate; substantial penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable-rate IRA. Relationship Rates are available to qualifying customers | 0.75% | $113 |
Christmas Club
0.10%APY
Save specifically for the holiday season. Deposits accepted anytime, in any amount. Matures in early October. Penalty for early withdrawals applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest added at maturity in early October. An additional 0.25% interest rate is earned when funds are transferred to a PennCrest BANK checking or savings account upon maturity.$10 and up | 0.10% | $10 | Interest added at maturity in early October. An additional 0.25% interest rate is earned when funds are transferred to a PennCrest BANK checking or savings account upon maturity. |
Vacation Club
0.10%APY
Save specifically for a vacation. Deposits accepted anytime, in any amount. Matures in April. Penalty for early withdrawals applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upInterest added at maturity in April. An additional 0.25% interest rate is earned when funds are transferred to a PennCrest BANK checking or savings account upon maturity.$10 and up | 0.10% | $10 | Interest added at maturity in April. An additional 0.25% interest rate is earned when funds are transferred to a PennCrest BANK checking or savings account upon maturity. |
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.