Bank · FDIC insured
Pennian Bank Savings Rates
Pennian Bank’s best savings rate is 1.00% APY on $10,000, with its Pennian Plus Consumer Money Market. Rates checked October 16, 2026.
How Pennian Bank’s savings rates compare
Compared with banks and credit unions near Harrisburg, PA, where Pennian Bank has the most branches. $10,000, best rate first.
This bank’s best
Pennian Bank
3.75%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $375
Companion Savings
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
3rd-highest rate
Univest
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
Pennian Bank savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.40%
- 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 Pennian 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.
Companion Savings
3.75%APY
Limited-time offer (America 250 Savings Event). Must be opened the same day as a Certificate of Deposit (CD) at Pennian Bank. Maximum deposit in Companion Savings account is equal to the amount held in CDs opened the same business day. Public funds are not eligible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires opening a CD at Pennian Bank on the same business day with a minimum deposit of $1,000.00; maximum deposit equals amount held in same-day CDs. $100.00 minimum balance required to obtain APY.$100 and up | 3.75% | $375 | Requires opening a CD at Pennian Bank on the same business day with a minimum deposit of $1,000.00; maximum deposit equals amount held in same-day CDs. $100.00 minimum balance required to obtain APY. |
Sources (1)
- pennian.bank/personal/savings · captured Oct 16, 2026
Pennian Plus Consumer Money Market
1.00%APY
$500.00 minimum to open. $500.00 minimum balance; monthly maintenance fee of $12.00 if balance falls below $1,000.00 any day of the month. 6 transactions per month ($10.00 fee per excess transaction). Interest-bearing on daily balances greater than $0.01.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 – $25,000 | 1.00% | $100 |
| $25,000 – $50,000 | 1.50% | — |
| $50,000 – $100,000 | 2.00% | — |
| $100,000 – $250,000 | 2.40% | — |
| $250,000 – $500,000 | 2.50% | — |
| $500,000 – $1,000,000 | 3.45% | — |
| $1,000,000 – $5,000,000 | 3.55% | — |
| $5,000,000 and up | 3.55% | — |
Sources (2)
All captured Oct 6, 2026
Platinum Money Market
0.25%APY
Minimum to Earn Interest $100.00. Minimum to Open Account $1,000.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 2.00% | — |
| $250,000 – $500,000 | 3.00% | — |
| $500,000 and up | 3.50% | — |
Sources (1)
- pennian.bank/resources/interest-rates · captured Oct 6, 2026
Value Money Market
0.05%APY
$1,000 minimum to open. $1,000.00 minimum balance; monthly maintenance fee of $6.00 if balance falls below $1,000.00 any day of the month. Interest-bearing on daily balances greater than $100.00. First deposit due at account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.05% | — |
| $50,000 – $100,000 | 0.05% | — |
| $100,000 – $250,000 | 0.15% | — |
| $250,000 and up | 0.20% | — |
Sources (2)
All captured Oct 6, 2026
Carefree Savings
0.10%APY
A monthly maintenance fee of $4.00 is imposed for every month the account balance drops below $100.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$4.00 monthly maintenance fee waived if balance stays at or above $100.00. Minimum balance to earn interest is $100.00.$100 and up | 0.10% | $10 | $4.00 monthly maintenance fee waived if balance stays at or above $100.00. Minimum balance to earn interest is $100.00. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
Requires enrollment in a high-deductible health plan (HDHP).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $0 and upMinimum balance to earn interest is $0.05.$0 and up | 0.25% | $25 | Minimum balance to earn interest is $0.05. |
Sources (2)
All captured Oct 16, 2026
Christmas Club – Automatic
0.10%APY
Deposits made via automatic deduction. Funds available for withdrawal without penalty after October 15. Interest compounded and credited on October 15 or the last business day prior. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires automatic deposit deduction. Minimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.$25 and up | 0.10% | $10 | Requires automatic deposit deduction. Minimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest. |
Sources (2)
All captured Oct 16, 2026
Vacation/Tax Club – Automatic
0.10%APY
Deposits made via automatic deduction. For Tax Club, funds are transferred without penalty to a Pennian Bank Checking account on February 15 and August 15 (or the last business day prior). For Vacation Club, funds are available without penalty after May 15. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires automatic deposit deduction. Minimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.$25 and up | 0.10% | $10 | Requires automatic deposit deduction. Minimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest. |
Sources (2)
All captured Oct 16, 2026
Christmas Club
0.05%APY
Funds available for withdrawal without penalty after October 15. Interest compounded and credited on October 15 or the last business day prior. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.$25 and up | 0.05% | $5 | Minimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest. |
Sources (2)
All captured Oct 16, 2026
Vacation Club
0.05%APY
Funds available for withdrawal without penalty after May 15. Interest compounded and credited on May 15 or the last business day prior. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest.$25 and up | 0.05% | $5 | Minimum balance of $25.00 required to earn interest. $5 early withdrawal fee. $5 early account closure fee plus forfeiture of all interest. |
Sources (2)
All 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.