Credit union · NCUA insured
White Rose Credit Union CD Rates
Top CarrotWhite Rose Credit Union’s best CD rate is 3.55% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How White Rose Credit Union’s CD rates compare
Compared with banks and credit unions near York, PA, where White Rose Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
White Rose Credit Union
3.55%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $537
Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
White Rose Credit Union CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.55%
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 White Rose 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 Certificates
Up to 3.55%APY · 9 terms
Membership eligibility requires living, working, worshipping, attending school, or owning a business in York or Adams County, PA. Minimum balance to open and maintain is $500. Monthly fee is $0. Early withdrawal penalty is 30 days of dividends for terms of 1 year or less, and 90 days of dividends for terms over 1 year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 1.50% | $37 |
| 6 monthsA penalty may be imposed for early withdrawal | 3.35% | $166 |
| 12 monthsA penalty may be imposed for early withdrawal | 3.45% | $345 |
| 18 monthsA penalty may be imposed for early withdrawal | 3.55% | $537 |
| 24 monthsA penalty may be imposed for early withdrawal | 2.50% | $506 |
| 30 monthsA penalty may be imposed for early withdrawal | 2.50% | $637 |
| 36 monthsA penalty may be imposed for early withdrawal | 2.50% | $769 |
| 48 monthsA penalty may be imposed for early withdrawal | 2.50% | $1,038 |
| 60 monthsA penalty may be imposed for early withdrawal | 2.75% | $1,453 |
Special-purpose accounts
IRA Certificates
Up to 3.55%APY · 9 terms
Membership eligibility requires living, working, worshipping, attending school, or owning a business in York or Adams County, PA. Available for Traditional and Roth IRAs. Minimum to open and maintain is $500. Monthly fee is $0.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 1.50% | $37 |
| 6 monthsA penalty may be imposed for early withdrawal | 3.35% | $166 |
| 12 monthsA penalty may be imposed for early withdrawal | 3.45% | $345 |
| 18 monthsA penalty may be imposed for early withdrawal | 3.55% | $537 |
| 24 monthsA penalty may be imposed for early withdrawal | 2.50% | $506 |
| 30 monthsA penalty may be imposed for early withdrawal | 2.50% | $637 |
| 36 monthsA penalty may be imposed for early withdrawal | 2.50% | $769 |
| 48 monthsA penalty may be imposed for early withdrawal | 2.50% | $1,038 |
| 60 monthsA penalty may be imposed for early withdrawal | 2.75% | $1,453 |
Who can join White Rose Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or owns a business in York or Adams County, Pennsylvania.
Cost to join
- There is a $1.00 membership fee upon becoming a member.
- A $5.00 deposit is placed into the member's savings account to secure membership, refundable upon closing the membership.
Membership information collected October 5, 2026.