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 46–58 results in Lancaster, PA metro
- Wheatland Federal Credit Union18 Month CertificateCD · 18 months · $500 min
Credit union · 3 branches
1.60%APY$241 over 18 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Mar 27, 2025
Rate checked
More details - Members 1st Federal Credit Union24-Month CertificateCD · 24 months · $500 min · 1.45%–1.80% by balance
Credit union · 10 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 - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.
Effective Sep 24, 2026
Rate checked
More details - Members 1st Federal Credit Union18-Month CertificateCD · 18 months · $500 min · 1.35%–1.70% by balance
Credit union · 10 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 · 10 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 - Members 1st Federal Credit Union12-Month CertificateCD · 12 months · $500 min · 1.15%–1.50% by balance
Credit union · 10 branches
1.20%APY$120 over 1 year 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.
1.14% interest rate
Rate by balance
Rate by balance for 12-Month Certificate Balance APY $500 – $10,000 1.15% $10,000 – $50,000Your amount 1.20% $50,000 – $75,000 1.25% $75,000 – $100,000 1.35% $100,000 – $500,000 1.45% $500,000 – $1,000,000 1.45% $1,000,000 and up 1.50% Rate checked
More details - Ephrata National BankCertificate of DepositCD · 7–11 months · $500 min · 1.15%–1.26% by balance
Bank · 14 branches
1.15%APYRequirements
Product: Rates are effective as of December 15, 2025 and are subject to change without notice. Penalties assessed on early withdrawals. APY assumes interest remains on deposit until maturity. Fees may reduce earnings.
Offer: 7-11 Month CD
1.15% interest rate · Effective Dec 15, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 1.15% $100,000 and up 1.26% Rate checked
More details - Members 1st Federal Credit Union12-Month Bump Up CertificateCD · 12 months · $500 min · 1.05%–1.40% by balance
Credit union · 10 branches
1.10%APY$110 over 1 year 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.
1.05% interest rate
Rate by balance
Rate by balance for 12-Month Bump Up Certificate Balance APY $500 – $10,000 1.05% $10,000 – $50,000Your amount 1.10% $50,000 – $75,000 1.15% $75,000 – $100,000 1.25% $100,000 – $500,000 1.35% $500,000 – $1,000,000 1.35% $1,000,000 and up 1.40% Rate checked
More details - Members 1st Federal Credit Union6-Month CertificateCD · 6 months · $500 min · 1.00%–1.35% by balance
Credit union · 10 branches
1.05%APY$52 over 6 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.
1.00% interest rate
Rate by balance
Rate by balance for 6-Month Certificate Balance APY $500 – $10,000 1.00% $10,000 – $50,000Your amount 1.05% $50,000 – $75,000 1.10% $75,000 – $100,000 1.20% $100,000 – $500,000 1.30% $500,000 – $1,000,000 1.30% $1,000,000 and up 1.35% Rate checked
More details - Members 1st Federal Credit Union3-Month CertificateCD · 3 months · $500 min · 0.95%–1.30% by balance
Credit union · 10 branches
1.00%APY$25 over 3 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Dividends paid at maturity. Penalty for early withdrawal.
Offer: Paid at maturity
0.95% interest rate
Rate by balance
Rate by balance for 3-Month Certificate Balance APY $500 – $10,000 0.95% $10,000 – $50,000Your amount 1.00% $50,000 – $75,000 1.05% $75,000 – $100,000 1.15% $100,000 – $500,000 1.25% $500,000 – $1,000,000 1.25% $1,000,000 and up 1.30% Rate checked
More details - Members 1st Federal Credit Union9-Month No Penalty CertificateCD · 9 months · $5,000 min
Credit union · 10 branches
0.80%APY$60 over 9 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $5,000 required to earn advertised APY. No early withdrawal penalties. Does not renew automatically; balance transfers to regular savings account on maturity date.
0.80% interest rate
Rate checked
More details - 0.20%APY$100 over 60 months on $10,000
Requirements
Product: Fixed interest rate for the term of certificate. For personal and business accounts under $100,000 only. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: In-branch rate for Zip Code 15701. Fixed rate. For personal and business accounts under $100,000 only. Not valid for institutional investors. Substantial penalty for early withdrawal.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 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