Credit union · NCUA insured
People First Federal Credit Union CD Rates
Top CarrotPeople First Federal Credit Union’s best CD rate is 4.15% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How People First Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where People First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
People First Federal Credit Union
4.15%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $415
Share Certificate
Top rate
First Northern Bank and Trust
4.73%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $968
2nd-highest rate
Unity Bank
4.40%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $667
People First Federal Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.35%
- QualifiedQualified4.15%
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 People First 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 4.15%APY · 11 terms
Minimum opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 4.00% | $99 |
| 6 monthsPenalty for early withdrawal | 4.00% | $198 |
| 8 monthsPenalty for early withdrawal | 4.00% | $265 |
| 12 monthsPenalty for early withdrawal | 4.15% | $415 |
| 15 monthsPenalty for early withdrawal | 3.70% | $465 |
| 18 monthsPenalty for early withdrawal | 3.50% | $530 |
| 24 monthsPenalty for early withdrawal | 3.50% | $712 |
| 30 monthsPenalty for early withdrawal | 3.25% | $832 |
| 36 monthsPenalty for early withdrawal | 3.25% | $1,007 |
| 48 monthsPenalty for early withdrawal | 3.25% | $1,365 |
| 60 monthsPenalty for early withdrawal | 3.35% | $1,791 |
Special-purpose accounts
IRA Share Certificate
Up to 4.15%APY · 11 terms
Minimum opening deposit is $500. Early withdrawal penalties apply. Rates include Traditional, Roth, and Education IRAs. IRA and Coverdell Certificates are not eligible for promotional rate offers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 4.00% | $99 |
| 6 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 4.00% | $198 |
| 8 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 4.00% | $265 |
| 12 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 4.15% | $415 |
| 15 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 3.70% | $465 |
| 18 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 3.50% | $530 |
| 24 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 3.50% | $712 |
| 30 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 3.25% | $832 |
| 36 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 3.25% | $1,007 |
| 48 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 3.25% | $1,365 |
| 60 monthsPenalty for early withdrawal. Rates apply to Traditional, Roth, and Education IRAs | 3.35% | $1,791 |
Sources (1)
- peoplefirst.com/bank/save/certificates · captured Sep 17, 2026
Who can join People First Federal Credit Union
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