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 results in Gettysburg, PA metro · Few institutions in Gettysburg, PA metro: choose a wider area in the filters
- PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 4 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - Belco Community Credit UnionMember Appreciation CertificateCD · 8 months · $500 min
Credit union · 1 branch
4.10%APY$271 over 8 months on $10,000intro rateRequirements
Product: Limited-time certificate special. Not valid with any other offer. Offer may be withdrawn at any time. Early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: 8-month Certificate Special / Member Appreciation Certificate. Minimum $500 deposit. Advertised rates accurate as of 10/1/26. Not valid with any other offer. Offer may be withdrawn at any time. Early withdrawal penalty may apply.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Members 1st Federal Credit Union11-Month CertificateCD · 11 months · $500 min
Credit union · 2 branches
3.90%APY$357 over 11 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. On maturity date automatically renews as the standard 12-month term certificate. Penalty for early withdrawal. Dividends compounded and credited monthly.
3.83% interest rate
Rate checked
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 - Belco Community Credit UnionCertificate AccountCD · 18 months · $500 min · 2.70%–2.85% by balance
Credit union · 1 branch
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 - Members 1st Federal Credit Union60-Month CertificateCD · 60 months · $500 min · 1.95%–2.40% by balance
Credit union · 2 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 · 2 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 - Members 1st Federal Credit Union36-Month CertificateCD · 36 months · $500 min · 1.70%–2.05% by balance
Credit union · 2 branches
1.75%APY$534 over 36 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.
1.69% interest rate
Rate by balance
Rate by balance for 36-Month Certificate Balance APY $500 – $10,000 1.70% $10,000 – $50,000Your amount 1.75% $50,000 – $75,000 1.80% $75,000 – $100,000 1.90% $100,000 – $500,000 2.00% $500,000 – $1,000,000 2.00% $1,000,000 and up 2.05% Rate checked
More details - 1.66%APY$250 over 18 months on $10,000
Requirements
Product: Let you increase your rate during the term. $500 minimum opening deposit and minimum balance. Dividends paid back monthly. Early withdrawal penalty applies.
Offer: 18 Month Bump Up Certificate.
1.65% interest rate · Effective Oct 16, 2026
Rate checked
More details - 1.66%APY$250 over 18 months on $10,000
Requirements
Product: 18 Month Add On Certificate. $500 minimum opening deposit and minimum balance. Additional deposits allowed. Dividends paid back monthly. Early withdrawal penalty applies.
Offer: 18 Month Add On Certificate. Additional deposits allowed.
1.65% interest rate · Effective Oct 16, 2026
Rate checked
More details - Members 1st Federal Credit Union30-Month CertificateCD · 30 months · $500 min · 1.60%–1.95% by balance
Credit union · 2 branches
1.65%APY$418 over 30 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.
1.59% interest rate
Rate by balance
Rate by balance for 30-Month Certificate Balance APY $500 – $10,000 1.60% $10,000 – $50,000Your amount 1.65% $50,000 – $75,000 1.70% $75,000 – $100,000 1.80% $100,000 – $500,000 1.90% $500,000 – $1,000,000 1.90% $1,000,000 and up 1.95% Rate checked
More details - Members 1st Federal Credit Union48-Month Bump Up CertificateCD · 48 months · $500 min · 1.60%–1.95% by balance
Credit union · 2 branches
1.65%APY$677 over 48 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during the original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal. Dividends compounded and credited monthly.
1.59% interest rate
Rate by balance
Rate by balance for 48-Month Bump Up Certificate Balance APY $500 – $10,000 1.60% $10,000 – $50,000Your amount 1.65% $50,000 – $75,000 1.70% $75,000 – $100,000 1.80% $100,000 – $500,000 1.90% $500,000 – $1,000,000 1.90% $1,000,000 and up 1.95% Rate checked
More details - Members 1st Federal Credit Union24-Month CertificateCD · 24 months · $500 min · 1.45%–1.80% by balance
Credit union · 2 branches
1.50%APY$302 over 24 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.
1.44% interest rate
Rate by balance
Rate by balance for 24-Month Certificate Balance APY $500 – $10,000 1.45% $10,000 – $50,000Your amount 1.50% $50,000 – $75,000 1.55% $75,000 – $100,000 1.65% $100,000 – $500,000 1.75% $500,000 – $1,000,000 1.75% $1,000,000 and up 1.80% Rate checked
More details - Members 1st Federal Credit Union18-Month CertificateCD · 18 months · $500 min · 1.35%–1.70% by balance
Credit union · 2 branches
1.40%APY$211 over 18 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.
1.34% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 18-Month Certificate Balance APY $500 – $10,000 1.35% $10,000 – $50,000Your amount 1.40% $50,000 – $75,000 1.45% $75,000 – $100,000 1.55% $100,000 – $500,000 1.65% $500,000 – $1,000,000 1.65% $1,000,000 and up 1.70% Rate checked
More details - Members 1st Federal Credit Union24-Month Bump Up CertificateCD · 24 months · $500 min · 1.30%–1.65% by balance
Credit union · 2 branches
1.35%APY$272 over 24 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during the original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal. Dividends compounded and credited monthly.
1.29% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 24-Month Bump Up Certificate Balance APY $500 – $10,000 1.30% $10,000 – $50,000Your amount 1.35% $50,000 – $75,000 1.40% $75,000 – $100,000 1.50% $100,000 – $500,000 1.60% $500,000 – $1,000,000 1.60% $1,000,000 and up 1.65% 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 Gettysburg, PA metro
49 CDs at 4 banks and credit unions · checked Oct 16–22
- Typical
- 1.51%
- Top 10% from
- 3.57%
- Banks, typical
- 0.02%
- Credit unions, typical
- 1.51%
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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