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 16–30 results in Lancaster, PA metro
- 4.00%APY$606 over 18 months on $10,000intro rate
Requirements
Product: Promotional consumer CD specials. Must deposit $5,000 or more in new money (not currently on deposit with Peoples Security Bank & Trust). Valid on Pick Your Term CDs opened online or in branch for consumer customers; business customers in-branch only. At maturity, automatically renews into a CD with the same term at the prevailing tiered rate(s). Interest compounded and credited quarterly; APY assumes interest remains on deposit until maturity. Offer may be changed or discontinued at any time. APY current as of 2026-07-01.
Offer: New money of $5,000 or more; consumer online or in-branch. Auto-renews at maturity to same term at prevailing tiered rates.
Promotional rate · 3.94% interest rate · Effective Jul 1, 2026
Rate checked
More details - 4.00%APY$676 over 20 months on $10,000with conditions
Requirements
Product: Wayne Bank provides a full range of options with high interest for Certificate of Deposit investors. Consult a tax advisor regarding tax implications involved in IRAs.
Offer: 20 Month Promo with Checking Account
Qualified rate · Effective Oct 16, 2026
Rate checked
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
Rate checked
More details - Members 1st Federal Credit Union11-Month CertificateCD · 11 months · $500 min
Credit union · 10 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$191 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Mar 27, 2025
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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$312 over 10 months on $10,000intro rate
Requirements
Product: Limited-time offer. Open online.
Offer: Limited-time offer. Open online.
Promotional rate
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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
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More details - 3.55%APY$295 over 10 months on $10,000intro rate
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty (may result in forfeiture of 6 months' interest).
Offer: Limited time offer. Automatically renews to standard 12-month CD product at maturity. Additional deposits or withdrawals of principal after opening date are not permitted. May not be combined with other offers.
Promotional rate · 3.50% interest rate · Effective Aug 10, 2026
Rate checked
More details - First Citizens Community BankCertificates of Deposit (CDs)CD · 12–23 months · $10,000 min · 3.55%–4.06% by balance
Bank · 3 branches
3.55%APYRequirements
Product: A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.
3.50% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $10,000 – $24,999Your amount 3.55% $100,000 and up 4.06% 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
Rate checked
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 - 3.29%APY$357 over 13 months on $10,000with conditions
Requirements
Product: Special rates offered for Charter and Work Perks members. Once a certificate is opened, additional deposits cannot be made and early withdrawals may incur penalties. Automatically renews upon maturity; 10-day grace period provided.
Qualified rate · 3.25% interest rate
Rate checked
More details - Wheatland Federal Credit Union12 Month CertificateCD · 12 months · $500 min
Credit union · 3 branches
3.25%APY$325 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Mar 27, 2025
Rate checked
More details - 3.09%APY
Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty may apply. Automatic renewal at maturity. No additional deposits or principal withdrawals permitted during term. Fees may apply and could reduce earnings.
3.05% interest rate · Effective Sep 21, 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 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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Find your bank or credit union to see all its rates and how they compare near you.
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