Compare Bank & Credit Union Rates
Best CD rates in Mechanicsburg, PA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Cumberland County, PA · Showing Cumberland County, PA: too few institutions in Mechanicsburg, PA
- 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.75%APY$312 over 10 months on $10,000intro rate
Requirements
Product: Limited-time offer. Open online.
Offer: Limited-time offer. Open online.
Promotional rate
Rate checked
More details - 3.65%APY$552 over 18 months on $10,000
Requirements
Product: Federally insured by NCUA up to $250,000. No monthly maintenance fees. Minimum balance to open is $500. Dividends accrue daily and compound monthly. Automatically renews at maturity unless contacted on or before maturity date. 10-day grace period to redeem without penalty. Penalty for early withdrawal. $500 minimum daily balance required to earn APY.
Offer: Minimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period.
3.59% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus.
Offer: Early withdrawal penalty may be imposed. Stars Reward Members receive 5 basis point bonus; Stripes Reward Members receive 10 basis point bonus.
Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.09%APY
Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty may apply. Automatic renewal at maturity. No additional deposits or principal withdrawals permitted during term. Fees may apply and could reduce earnings.
3.05% interest rate · Effective Sep 21, 2026
Rate checked
More details - New Cumberland Federal Credit UnionCertificates (CD)CD · 12 months · $500 min · 2.89%–3.14% by balance
Credit union · 1 branch
2.89%APY$289 over 1 year on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. Substantial penalty for early withdrawals. Fees could reduce earnings.
2.85% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates (CD) Balance APY $500 – $10,000Your amount 2.89% $10,001 – $50,000 2.94% $50,001 – $100,000 3.04% $100,001 and up 3.14% Rate checked
More details - Belco Community Credit UnionCertificate AccountCD · 18 months · $500 min · 2.70%–2.85% by balance
Credit union · 5 branches
2.75%APY$415 over 18 months on $10,000Requirements
Product: Terms from 3 to 60 months. Most certificates (12–60 months) require a $500 minimum opening deposit and minimum balance; 3-, 6-, and 9-month terms require $1,000. Listed yields available if dividends are paid back to the certificate monthly. Early withdrawal penalty may reduce earnings. No annual fee. Balance tiers of $10K, $50K, and $75K earn higher rates.
Offer: Listed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change.
2.67% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 and up 2.70% $10,000 and upYour amount 2.75% $50,000 and up 2.80% $75,000 and up 2.85% Rate checked
More details - F&M TrustCertificates of DepositCD · 60 months · $1,000 min · 2.30%–2.35% by balance
Bank · 8 branches
2.35%APY$1,232 over 60 months on $10,000Requirements
Product: Rates are subject to change. Certain new money restrictions apply. Not all available terms and rates are listed. Maturity periods range from 30 days to five years.
Offer: Certain new money restrictions apply.
Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $5,000 2.30% $5,000 – $25,000Your amount 2.35% Rate checked
More details - 2.00%APY$101 over 6.066666666666666 months on $10,000
1.98% interest rate
Rate checked
More details - Members 1st Federal Credit Union60-Month CertificateCD · 60 months · $500 min · 1.95%–2.40% by balance
Credit union · 13 branches
2.00%APY$1,041 over 60 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly. Not available for public funds accounts, financial institutions, or other institutional investors.
1.93% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for 60-Month Certificate Balance APY $500 – $10,000 1.95% $10,000 – $50,000Your amount 2.00% $50,000 – $75,000 2.05% $75,000 – $100,000 2.15% $100,000 – $500,000 2.30% $500,000 – $1,000,000 2.30% $1,000,000 and up 2.40% Rate checked
More details - Members 1st Federal Credit Union48-Month CertificateCD · 48 months · $500 min · 1.80%–2.15% by balance
Credit union · 13 branches
1.85%APY$761 over 48 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
1.79% interest rate
Rate by balance
Rate by balance for 48-Month Certificate Balance APY $500 – $10,000 1.80% $10,000 – $50,000Your amount 1.85% $50,000 – $75,000 1.90% $75,000 – $100,000 2.00% $100,000 – $500,000 2.10% $500,000 – $1,000,000 2.10% $1,000,000 and up 2.15% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% 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
What CDs pay in Cumberland County, PA
279 CDs at 22 banks and credit unions · checked Oct 16–22
- Typical
- 1.51%
- Top 10% from
- 3.95%
- Banks, typical
- 1.20%
- Credit unions, typical
- 1.66%
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Harrisburg, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriChoice Federal Credit UnionCredit union · 4 branches
- Navy Federal Credit UnionCredit union · 1 branch
- PSECUCredit union · 2 branches