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 Philadelphia, PA-NJ-DE-MD metro
- 4.30%APY$321 over 9 months on $10,000
Requirements
Product: CDs automatically renew unless requested otherwise. Early withdrawals subject to penalty. No setup or maintenance fees. Promotional accounts may require a higher opening deposit.
4.15% interest rate
Rate checked
More details - 4.30%APY$321 over 9 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly on the daily balance. There may be a penalty for early withdrawal. Fees may reduce earnings.
4.23% interest rate · Effective Oct 3, 2026
Rate checked
More details - Sun East Federal Credit Union13 Month Certificate SpecialCD · 13 months · $5,000 min
Credit union · 7 branches
4.30%APY$467 over 13 months on $10,000intro rateRequirements
Product: Limited-time 13-month certificate. New money required. After the initial term, renews automatically into a 12-month certificate at the then-current APY. Credit union membership required. Penalty for early withdrawal.
Offer: New money required: funds from another institution and not on deposit at Sun East Federal Credit Union within the prior 6 months. No stated maximum opening deposit. Limited time offer; rates/yields subject to change.
Promotional rate · 4.21% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.30%APY$652 over 18 months on $10,000
Requirements
Product: Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
4.22% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - 4.28%APY$874 over 24 months on $10,000
Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
4.20% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: Certificates of deposit are FDIC insured. Minimum opening deposit is $2,500. Substantial penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal is 6 months' interest.
4.16% interest rate · Effective Oct 21, 2026
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 - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Fixed rate CDs with terms from 91 days to 5 years. Minimum investment of $1,000. Early withdrawal penalties apply.
Offer: Interest compounded quarterly. Early withdrawal penalty is 90 days interest.
4.18% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 119 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$868 over 24 months on $10,000
Requirements
Product: APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Share Certificate Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Share Certificate Truth-In-Savings Disclosure for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
Offer: Must open with $500 minimum in new money or have a First Harvest Checking Account.
4.17% interest rate · Effective Sep 23, 2026
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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 - Self Reliance Financial Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 4 branches
4.24%APY$424 over 1 year on $10,000Requirements
Product: Must be a member of SRFFCU. Rate is fixed for the term. APY assumes dividends remain on deposit until maturity. A minimum balance of $500 is required to open a Certificate and earn the advertised dividend rate. Renewal at maturity at then-current rate. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.
Offer: Early withdrawal penalty: 3 month interest (90 days' dividends).
4.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - First Citizens Community BankCertificate of Deposit SpecialsCD · 17 months · $10,000 min · 4.22%–4.32% by balance
Bank · 13 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 - 4.20%APY$456 over 13 months on $10,000with conditions
Requirements
Product: Must be funded with new money only (or existing maturing certificates can rollover existing balance plus an additional $50,000). Maximum amount for special rate is $50,000. Limited to (1) certificate per member. Must be opened between 8/17/2026 and 9/31/2026.
Offer: Requires iSAVE Boost: active iSAVE Savings account (funded with new money, monthly ACH deposit, online banking and E-statements) and active iSAVE Checking account (monthly ACH, bill pay transaction, or debit card purchase). Must be opened between 8/17/2026 and 9/31/2026. Maximum $50,000 for special rate. Limit 1 certificate per member.
Qualified rate · Balance cap $50,000 · Effective Aug 17, 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 Philadelphia, PA-NJ-DE-MD metro
1,230 CDs at 117 banks and credit unions · checked Oct 16–22
- Typical
- 3.15%
- Top 10% from
- 4.05%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.51%
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Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches