Credit union · NCUA insured
Philadelphia Federal Credit Union CD Rates
Top CarrotPhiladelphia Federal Credit Union’s best CD rate is 4.05% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Philadelphia Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Philadelphia Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Philadelphia Federal Credit Union
4.05%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $405
Jumbo Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Philadelphia 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 mo4.05%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.05%
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 Philadelphia 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.
Jumbo Certificate
Up to 4.05%APY · 10 terms
Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 4.00% | $198 |
| 9 months | 4.03% | $301 |
| 12 months | 4.05% | $405 |
| 18 months | 4.00% | $606 |
| 24 months | 3.90% | $795 |
| 30 months | 3.90% | $1,004 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- pfcu.com/resources/information/rates-and-fees · captured Oct 16, 2026
Savings Certificates
Up to 3.95%APY · 10 terms
Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
| Term | APY · $250 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.40% | — | 3.40% | $84 |
| 6 months | 3.90% | — | 3.90% | $193 |
| 9 months | 3.93% | — | 3.93% | $293 |
| 12 months | — | 3.95% | 3.95% | $395 |
| 18 months | — | 3.90% | 3.90% | $591 |
| 24 months | — | 3.80% | 3.80% | $774 |
| 30 months | — | 3.80% | 3.80% | $977 |
| 36 months | — | 3.65% | 3.65% | $1,135 |
| 48 months | — | 3.65% | 3.65% | $1,542 |
| 60 months | — | 3.65% | 3.65% | $1,963 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.95%APY · 10 terms
Applies to Individual Retirement Accounts (Traditional and Roth) and Coverdell Education Savings Accounts. Early withdrawal penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
| Term | APY · $250 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.40% | — | 3.40% | $84 |
| 6 months | 3.90% | — | 3.90% | $193 |
| 9 months | 3.93% | — | 3.93% | $293 |
| 12 months | — | 3.95% | 3.95% | $395 |
| 18 months | — | 3.90% | 3.90% | $591 |
| 24 months | — | 3.80% | 3.80% | $774 |
| 30 months | — | 3.80% | 3.80% | $977 |
| 36 months | — | 3.65% | 3.65% | $1,135 |
| 48 months | — | 3.65% | 3.65% | $1,542 |
| 60 months | — | 3.65% | 3.65% | $1,963 |
Sources (2)
All captured Oct 16, 2026
Who can join Philadelphia Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, study, worship or do business in Philadelphia or Columbia County are eligible to join.
Employers and groups
- Employees of businesses in one of PFCU's select employee groups are eligible to join.
Family and household
- Immediate family members or individuals living with a current PFCU member are eligible to join PFCU.
Cost to join
- Membership requires opening a PFCU Regular Savings account and making a deposit (amount unstated).
Membership information collected October 5, 2026.