Bank · FDIC insured
S&T Bank CD Rates
S&T Bank’s best CD rate is 4.25% APY on a 3-year CD. Terms run from 3 months to 10 years. Rates checked October 16, 2026.
How S&T Bank’s CD rates compare
Compared with banks and credit unions near Pittsburgh, PA, where S&T Bank has the most branches. $10,000, best rate first.
This bank’s best
S&T Bank
4.25%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,330
Growth/Income CD Time Deposits
Top rate
Tri Boro Federal Credit Union
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
2nd-highest rate
First Federal of Greene or FFGC
4.35%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $435
S&T Bank CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 S&T 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.
Growth/Income CD Time Deposits
Up to 4.25%APY · 10 terms
Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 3.75% | $186 |
| 9 months | 3.75% | $280 |
| 12 months | 4.00% | $400 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
| 120 monthsOnly available for loan collateralization | 4.25% | $5,162 |
Sources (2)
All captured Oct 16, 2026
Penalty Free 12 month CD Time Deposit
0.10%APY · 1 term
No withdrawals permitted during the first 7 day period. Entire certificate may be redeemed without penalty after the first seven days. No partial withdrawals. CD will automatically renew into 12 Month Penalty Free CD with rate offered at the time of maturity. Offer may be withdrawn at any time. Minimum deposit amount is $1,000. Maximum deposit of $500,000 per household. CD Time Deposit-1099 is produced in the year interest is paid. This promotion is not available for investors and brokered accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.10% | $10 |
Sources (1)
- api.stbank.com/wp-content/uplo…ateSheet_ST_website_.pdf · captured Oct 16, 2026
Special-purpose accounts
IRA CD Time Deposits
Up to 4.25%APY · 8 terms
Penalty for early withdrawals could affect the APY and could reduce the principal for these accounts. Transfers to other institutions are $50/transfer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 9 months | 3.75% | $280 |
| 12 months | 4.00% | $400 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
Sources (2)
- api.stbank.com/wp-content/uplo…2023/01/Fee-Schedule.pdf
- api.stbank.com/wp-content/uplo…ateSheet_ST_website_.pdf
All captured Oct 16, 2026
Smart Start S&T Bill CD
4.16%APY · 1 term
Customer must have Smart Start Banking and primary customer on the account must be 14-24 years of age. Not available on IRAs. Variable rate account tied to 91-Day Treasury Bill rate (discount rate in effect for last Treasury Bill auction of previous month); adjusted first business day of each month. Additional deposits allowed (minimum transfer $20). Penalty of 90 days simple interest for withdrawals prior to maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRate tied to 91-Day Treasury Bill discount rate from last Treasury Bill auction of previous month | 4.16% | $416 |
Sources (1)
- api.stbank.com/wp-content/uplo…ateSheet_ST_website_.pdf · captured Oct 16, 2026
Penalty Free 12 month IRA CD Time Deposit
0.10%APY · 1 term
No withdrawals permitted during the first 7 day period. Entire certificate may be redeemed without penalty after the first seven days. No partial withdrawals. CD will automatically renew into 12 Month Penalty Free CD with rate offered at the time of maturity. Maximum deposit of $500,000 per household. Transfers to other institutions are $50/transfer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.10% | $10 |
Sources (2)
- api.stbank.com/wp-content/uplo…2023/01/Fee-Schedule.pdf
- api.stbank.com/wp-content/uplo…ateSheet_ST_website_.pdf
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.