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 Lancaster, PA metro
- 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 - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 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
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 13 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 - 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 - First Citizens Community BankCertificate of Deposit SpecialsCD · 17 months · $10,000 min · 4.22%–4.32% by balance
Bank · 3 branches
4.22%APY$603 over 17 months on $10,000with conditionsRequirements
Product: A minimum of $10,000 in new money is required to open this account and get the special rate. \"New money\" is defined as funds not currently on deposit with FCCB. Fees may reduce earnings, and a penalty may be imposed for early withdrawal. Interest is compounded quarterly, and an active checking account is required.
Offer: 17-Month CD Special; requires $10,000 minimum new money and active checking account
Qualified rate · 4.15% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate of Deposit Specials Balance APY $10,000 – $99,999Your amount 4.22% $100,000 and up 4.32% Rate checked
More details - 4.11%APY$803 over 23 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
Rate checked
More details - 4.10%APY$237 over 7 months on $10,000
Requirements
Product: Must be a member of Everence Federal Credit Union. Compounding quarterly. Penalty for early withdrawal: $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not. Auto-renews at maturity for the same term at the then-current rate with a 10-day grace period.
Offer: Limited-time special offer. Must be funded with new money not currently on deposit with Everence (stated as of 6/1/2026 in footnote 1 and 9/1/2026 in footnote 2). Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for a 6-month certificate.
Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Belco Community Credit UnionMember Appreciation CertificateCD · 8 months · $500 min
Credit union · 3 branches
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
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More details - 4.07%APY$1,271 over 36 months on $10,000
4.00% interest rate
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More details - 4.05%APY$200 over 6 months on $10,000
Effective Oct 16, 2026
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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
Rate checked
More details - Penlanco Federal Credit UnionCertificatesCD · 12 months · $500 min · 3.70%–4.25% by balance
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Withdrawal penalties impact APY. Members Helping Members - New Money Certificate Special requires new money (funds not currently on deposit with Penlanco FCU; transfers from existing accounts/certificates do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify). Maximum $1 million in total deposits accepted under promotion with limit of $250,000 per household. Fees may reduce earnings.
Offer: Early withdrawal penalties apply. Withdrawal penalties impact APY.
Promotional rate · 3.65% interest rate
Rate by balance
Rate by balance for Certificates Balance APY Any balance 3.70% $500 and upYour amountMembers Helping Members — New Money Certificate Special. Minimum deposit of $500 in new money required. Certificate term is 12 months. Penalty may be imposed for early withdrawal. Maximum $1 million in total deposits accepted under promotion, limit $250,000 per household. New money is defined as funds not currently on deposit with Penlanco FCU; transfers do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify. 4.00% $50,000 and upMembers Helping Members — New Money Certificate Special. Minimum deposit of $50,000 in new money required. Certificate term is 12 months. Penalty may be imposed for early withdrawal. Maximum $1 million in total deposits accepted under promotion, limit $250,000 per household. New money is defined as funds not currently on deposit with Penlanco FCU; transfers do not qualify; funds withdrawn within previous 30 days and redeposited do not qualify. 4.25% Rate checked
More details - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.
Qualified rate · Effective Sep 24, 2026
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More details - 4.00%APY$571 over 17 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
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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 Lancaster, PA metro
361 CDs at 28 banks and credit unions · checked Oct 16–22
- Typical
- 1.51%
- Top 10% from
- 3.90%
- Banks, typical
- 1.25%
- Credit unions, typical
- 2.68%
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Lancaster, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Citadel Credit UnionCredit union · 2 branches
- EverenceCredit union · 5 branches
- Finanta Credit UnionCredit union · 1 branch