Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 216 results in Pennsylvania
- Service 1st Federal Credit UnionRegular Certificate AccountsCD · 12 months · $500 min
Credit union · 12 branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: minimum investment of only $500 3 to 60 month terms available dividend rate fixed for the term of the certificate APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures dividends compounded and posted quarterly penalty for early withdrawal funds insured up to $250,000 by the NCUA, National Credit Union Administration
Offer: Penalty for early withdrawal.
4.43% interest rate · Effective Nov 3, 2026
Rate checked
More details - PennTech Federal Credit UnionShare Certificates (CD’s)CD · 12 months · $500 min
Credit union · 1 branch
4.34%APY$434 over 1 year on $10,0004.25% interest rate · Effective Nov 5, 2026
Rate checked
More details - Heritage Financial Credit UnionShare CertificateCD · 12 months · $500 min · 4.00%–4.25% by balance
Credit union · 2 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Standard minimum opening deposit is $500. Additional deposits are not allowed after opening. Early withdrawal penalties apply (90 days' dividends for 1-12 month terms, 180 days for 13-23 months, 365 days for 24-36 months, 540 days for 37-60 months). Automatically renewing certificates have a 10-day grace period.
Offer: Standard 12-Month Certificate Special rate.
3.94% interest rate · Effective May 11, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 4.00% $2,500 and upYour amountRequires opening a qualifying Heritage High Yield Checking or Cash Back Checking account at certificate opening OR depositing $2,500 in new money. 4.25% Rate checked
More details - First Commonwealth Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 15 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
4.17% interest rate · Effective Nov 1, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
4.17% interest rate · Compounded monthly · Effective Oct 30, 2026
Rate checked
More details - North Districts Community Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Offer: Promotional rate. Offer may end without notice.
Promotional rate · 4.25% interest rate · Effective Sep 23, 2026
Rate checked
More details - Self Reliance Financial Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 4 branches
4.24%APY$424 over 1 year on $10,000Requirements
Product: Must be a member of SRFFCU. Rate is fixed for the term. APY assumes dividends remain on deposit until maturity. A minimum balance of $500 is required to open a Certificate and earn the advertised dividend rate. Renewal at maturity at then-current rate. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.
Offer: Early withdrawal penalty: 3 month interest (90 days' dividends).
4.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - Riverfront Federal Credit UnionPreferred CertificatesCD · 12 months · $100 min
Credit union · 2 branches
4.18%APY$418 over 1 year on $10,000with conditionsRequirements
Product: Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Requires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty.
Qualified rate · Effective Nov 4, 2026
Rate checked
More details - 4.17%APY$417 over 1 year on $10,000
Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
4.10% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.
Offer: APY assumes dividends remain in account.
4.08% interest rate · Compounded monthly · Effective Nov 2, 2026
Rate checked
More details - People First Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 9 branches
4.15%APY$415 over 1 year on $10,000Requirements
Product: Minimum opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.
Offer: Penalty for early withdrawal.
4.07% interest rate · Effective Aug 5, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000intro rate
Requirements
Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Offer: Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Promotional rate · 4.03% interest rate · Effective Oct 23, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Joint owners may be added. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
Offer: Special Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits)
4.04% interest rate · Balance cap $49,999 · Effective Oct 21, 2026
Rate checked
More details - Forge Credit UnionShare CertificatesCD · 12 months · $500 min · 4.00%–4.30% by balance
Credit union · 1 branch
4.10%APY$410 over 1 year on $10,0003.92% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 4.00% $10,000 and upYour amount 4.10% $25,000 and up 4.20% $50,000 and up 4.30% Rate checked
More details - Riverfront Federal Credit UnionNonpreferred CertificatesCD · 12 months · $100 min
Credit union · 2 branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Available to members who live, work, worship, or attend school in Berks County, PA, or eligible family/legal entities with a $5.00 savings deposit. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Fixed to maturity. Subject to early withdrawal penalty.
Effective Nov 4, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 1-year CDs pay in Pennsylvania
217 CDs at 189 banks and credit unions · checked Nov 6–7
- Typical
- 3.35%
- Top 10% from
- 4.01%
- Credit unions, typical
- 3.35%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- APCI Federal Credit UnionCredit union · 1 branch
- Corner PostCredit union · 1 branch