Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 261 results in Pennsylvania
- 5.00%APY$205 over 5 months 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: Special Term! APY assumes dividends remain in account.
4.89% interest rate · Compounded monthly · Effective Nov 2, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. As a condition of membership at Arize FCU, you must maintain the minimum required Par Value of One Share ($5.00) in the savings account.
Offer: 11-Month Special
Promotional rate · 4.40% interest rate · Effective Nov 2, 2026
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 - 4.50%APY$643 over 17 months on $10,000intro rate
Requirements
Product: Dividends are calculated daily and paid quarterly.
Offer: Limited Time Special.
Promotional rate · 4.43% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.50%APY$960 over 25 months on $10,000
Requirements
Product: Subject to early withdrawal penalty. Certificates are automatically renewed at the end of the term. Premium rates are offered for CD balances over $50,000.00.
Offer: Limited time only. Subject to change at any moment. Limited to $1,000,000 maximum per social security number. Subject to early withdrawal penalty. Fees may reduce earnings. Must meet membership eligibility requirements.
Balance cap $1,000,000 · Effective Nov 1, 2026
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 4.40%–4.60% by balance
Credit union · 8 branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 4.40% $10,000 – $24,999Your amount 4.50% $25,000 – $99,999 4.50% $100,000 – $250,000 4.55% Over $250,000 4.60% Rate checked
More details - First Peoples Community Federal Credit UnionCertificatesCD · 9 months · $500 min
Credit union · 5 branches
4.40%APY$328 over 9 months on $10,000Requirements
Product: Early withdrawal penalty applies. Minimum deposit of $500. Non-promo certificates automatically renew into the same term. Certificate Specials renew at the non-promotional rate.
Offer: Renews at a 12-month non-promotional rate. Early withdrawal penalty applies.
4.31% interest rate
Rate checked
More details - 4.40%APY$744 over 20 months on $10,000intro rate
Requirements
Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Offer: Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Promotional rate · 4.31% interest rate · Effective Oct 23, 2026
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000
Requirements
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.
4.33% interest rate · Effective May 11, 2026
Rate checked
More details - Tendto Credit UnionShare CertificatesCD · 60 months · $1,000 min · 4.40%–4.81% by balance
Credit union · 4 branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: All rates and yields stated below are accurate as of November 1, 2026 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened. Choose your term from 6 to 60 months, or any month in between. Penalty imposed for early withdrawal.
4.33% interest rate · Effective Nov 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.40% $25,000 and up 4.45% $75,000 and up 4.56% $125,000 and up 4.66% $200,000 and up 4.81% Rate checked
More details - Century Heritage Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 6 branches
4.40%APY$2,402 over 60 months on $10,000intro rateRequirements
Product: Penalty for early withdraw may apply.
Offer: Penalty for early withdraw may apply
Promotional rate · Effective Oct 19, 2026
Rate checked
More details - 4.36%APY$473 over 13 months on $10,000intro rate
Requirements
Product: Credit Union membership required. Applicants must qualify by living, working, worshipping or attending school in Fayette, Washington, Greene or Westmoreland County.
Offer: Limited time special. Maximum deposit $250,000.
Promotional rate · 4.28% interest rate · Balance cap $250,000
Rate checked
More details - 4.35%APY$660 over 18 months on $10,000
Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $1,000 for business/organizational certificates. For members under the age of 18, the minimum is $250. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit is $500 for consumers and $1,000 for business/organizational certificates ($250 for members under age 18). Penalty may be imposed for early withdrawal.
4.26% interest rate · Effective Nov 1, 2026
Rate checked
More details - 4.35%APY$735 over 20 months on $10,000
Requirements
Product: Minimum deposit to open and earn standard APY is $500. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). No deposits permitted after establishment. Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies. $10 closing service fee (if applicable).
Offer: New Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into an 18-month term.
4.27% interest rate · Balance cap $1,000,000
Rate checked
More details - Riverfront Federal Credit UnionPreferred CertificatesCD · 36 months · $100 min
Credit union · 2 branches
4.35%APY$1,363 over 36 months 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
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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 Pennsylvania
1,381 CDs at 196 banks and credit unions · checked Nov 5–7
- Typical
- 3.35%
- Top 10% from
- 4.10%
- Credit unions, typical
- 3.35%
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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