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 352 results in Pennsylvania
- First Northern Bank and Trust1 Year (12 Month) Adjustable CDCD · 12 months · $5,000 min
Bank · 11 branches
4.55%APY$455 over 1 year on $10,000Requirements
Product: Open account in person. Rate based on prior month average 1-Year Treasury Note Rate; adjusts monthly.
Offer: Open account in person; adjustable monthly.
4.47% interest rate
Rate checked
More details - 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 - First Federal of Greene or FFGCCertificates of Deposit (CDs)CD · 12 months · $500 min
Bank · 7 branches
4.35%APY$435 over 1 year on $10,000Requirements
Product: For current rates click the button or call the rate line at (724) 852-2593 or (800) 367-4263. Can be used as collateral for share loans to borrow up to 90% of available balance.
4.30% interest rate · Effective Oct 27, 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 - 4.34%APY$434 over 1 year on $10,000intro rate
Promotional rate · 4.25% interest rate
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 rate CDs with terms from 91 days to 5 years. Minimum investment of $1,000. Early withdrawal penalties apply.
Offer: Interest compounded quarterly. Early withdrawal penalty is 90 days interest.
4.18% interest rate · Compounded quarterly · Effective Oct 30, 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 - 4.22%APY$422 over 1 year on $10,000
Requirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Ladder CD promotional kicker rate for 1 Year CD. Minimum opening deposit of $10,000 required for each of the three CDs opened. Must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms. Kicker rate valid for initial term only. IRAs excluded.
4.15% interest rate · Effective Nov 3, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Consumer CDs. Choice of investment certificates (interest compounded and credited annually) or income certificates (interest paid by check or transferred to a Sewickley Savings Bank account monthly, quarterly, semiannually, or annually). Penalty may be imposed for early withdrawal. Minimum deposit $2,500.00 for 91- and 182-day terms and $500.00 for terms of 9 months to 7 years.
Offer: 1 Yr term. Penalty may be imposed for early withdrawal.
4.20% interest rate · Effective Oct 30, 2026
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Penalties apply for early withdrawal. All rates subject to change without notice.
Effective Oct 29, 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
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
353 CDs at 288 banks and credit unions · checked Oct 30–Nov 7
- Typical
- 3.20%
- Top 10% from
- 4.05%
- Banks, typical
- 2.01%
- 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