Compare Bank & Credit Union Rates
Best CD rates in Philadelphia, PA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 31–45 results in Philadelphia, PA
- 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Available for a limited time
Offer: Available for a limited time
Promotional rate
Rate checked
More details - American Heritage Credit UnionBump-Up CertificatesCD · 47 months · $1,000 min
Credit union · 12 branches
4.00%APY$1,660 over 47 months on $10,000intro rateRequirements
Product: Allows a one-time dividend rate increase during the certificate term to correspond with 47-month or 59-month fixed-rate certificate rates. The new rate remains in effect until the certificate maturity date. Early withdrawal penalty may apply.
Offer: Option to increase dividend rate one time during the term. Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. Early withdrawal penalty may apply.
Promotional rate · 3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.95%APY$295 over 9 months on $10,000
Requirements
Product: Rates shown for ZIP code 17061 (Central PA). Annual Percentage Yields (APY) based on semi-annual compounding. Substantial penalty for early withdrawal. $500 minimum balance, $50,000 maximum balance when opening online (visit a branch for amounts over $50,000). Terms from 60 months to 10 years available when opened in a financial center. Automatically renews upon maturity.
Offer: APY based on semi-annual compounding. Substantial penalty for early withdrawal.
3.91% interest rate · Effective Oct 2, 2026
Rate checked
More details - Philadelphia Federal Credit UnionSavings CertificatesCD · 12 months · $500 min
Credit union · 10 branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.87% interest rate
Rate checked
More details - Second Federal | Savings & Loan Association Of PhiladelphiaCertificates Of DepositCD · 17 months · $10,000 min
Bank · 2 branches
3.95%APY$564 over 17 months on $10,000intro rateRequirements
Product: Interest compounded daily and credited quarterly. Penalty for early withdrawal applies (equal to interest for half the current term on principal withdrawn). Automatically renews at maturity with a 7-day grace period. No monthly fees.
Offer: CD Special rate offering. Minimum opening deposit is $10,000 per rate schedule ($5,000 per product overview). Renews at the nearest standard term not to exceed the special rate term.
Promotional rate · 3.88% interest rate · Compounded daily · Effective May 1, 2026
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More details - 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$92 over 3 months on $10,000
Requirements
Product: Interest compounded daily, credited monthly. CDs less than 24 months penalty: 6 months interest; CDs 24 months or greater penalty: 12 months interest. Automatically renews at maturity.
3.68% interest rate · Compounded daily · Effective Oct 6, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: $2,500 minimum deposit of new funds required (funds not currently on deposit at Firstrust Bank or through Firstrust Financial Resources). Maximum deposit $500,000. Available in PA/NJ/DE only. Penalty for early withdrawal. Seven calendar day grace period at maturity.
Offer: 7-Month Touchdown CD initial APY. APY increases in basis points by the number of points the Eagles score in the first game played after opening and funding (1 bp = 0.01%). $2,500 minimum deposit of new funds required.
Promotional rate · Balance cap $500,000 · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
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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 - First Citizens Community BankCertificates of Deposit (CDs)CD · 12–23 months · $10,000 min · 3.55%–4.06% by balance
Bank · 3 branches
3.55%APYRequirements
Product: A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.
3.50% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $10,000 – $24,999Your amount 3.55% $100,000 and up 4.06% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Minimum Certificate - $3,000.00. Dividends are compounded daily and are payable at maturity date.
Offer: Fixed Rate. Penalty for early withdrawal: 90 day penalty. Dividends compounded daily, payable at maturity.
Compounded daily
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 Philadelphia, PA
516 CDs at 42 banks and credit unions · checked Oct 16–22
- Typical
- 3.20%
- Top 10% from
- 4.08%
- Banks, typical
- 1.76%
- Credit unions, typical
- 3.73%
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Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches