Compare Bank & Credit Union Rates
Best CD rates in Pennsylvania
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Pennsylvania
- First Northern Bank and Trust1 Year (12 Month) Adjustable CDCD · 12 months · $5,000 min
Bank · 11 branches
4.44%APY$444 over 1 year on $10,000Requirements
Product: Open account in person. The interest rate on your account is based on the prior month’s average 1 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. Interest rate may change every month. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.
Offer: Open account in person; rate based on prior month's average 1 Year Treasury Note Rate, adjustable monthly
4.37% interest rate · Effective Oct 2, 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 13, 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 - 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 16, 2026
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 Oct 15, 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 Funds can be withdrawn for a down payment on a SFCU loan without penalty.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 16, 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 - 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 - 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 - 4.20%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 6, 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: Early withdrawal penalties may apply. Automatic renewal at maturity unless indicated otherwise. Membership eligibility required (live, work, worship, or go to school in Allegheny or Washington County).
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
Offer: Early withdrawal penalties apply.
4.07% interest rate · Effective Oct 12, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Certificates of deposit accounts carry a substantial penalty for early withdrawal. All rates are subject to change.
Offer: Early withdrawal penalty applies.
4.01% interest rate · Effective Oct 6, 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 Oct 1, 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
348 CDs at 287 banks and credit unions · checked Oct 16–22
- Typical
- 3.14%
- Top 10% from
- 4.00%
- Banks, typical
- 2.01%
- Credit unions, typical
- 3.29%
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
- Americo FCUCredit union · 2 branches
- FirstEnergy Choice FCUCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch