Compare Bank & Credit Union Rates
Best CD rates in West Chester, PA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in West Chester, PA
- 4.35%APY$660 over 18 months on $10,000
Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.
4.26% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: Certificates of deposit are FDIC insured. Minimum opening deposit is $2,500. Substantial penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal is 6 months' interest.
4.16% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.
Balance cap $500,000 · Effective Oct 12, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
Offer: Requires $10,000 minimum balance in new money to the bank.
Promotional rate · 3.92% interest rate · Effective May 21, 2026
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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
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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
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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 - 3.60%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
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More details - 3.35%APY$507 over 18 months on $10,000intro rate
Requirements
Product: Customer may initiate a one-time APY increase during the 18-month term if the rate for the standard 18 month certificate is higher than the initial rate. Interest compounded daily and credited monthly. Rollover into standard 18-month certificate at maturity.
Offer: Limited time offer. Minimum balance to earn interest is $1,000. One-time customer-initiated APY increase during the certificate term if standard 18-month CD rate is higher.
Promotional rate · 3.29% interest rate · Compounded daily · Effective Oct 6, 2026
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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 - 2.00%APY$101 over 6.066666666666666 months on $10,000
1.98% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
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 - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 West Chester, PA
174 CDs at 10 banks and credit unions · checked Oct 16–22
- Typical
- 1.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.70%
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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