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 31–45 results in Philadelphia, PA-NJ-DE-MD metro
- APG Federal Credit Union15-Month Certificate SpecialCD · 15 months · $100 min
Credit union · 5 branches
4.20%APY$528 over 15 months on $10,000intro rateRequirements
Product: Promotional special. Rate and promotion are subject to change at any time without notice. Minimum deposit of $100. 15-month certificate will automatically renew to an 18-month term upon maturity unless action is taken. Penalty for early withdrawal. Fees may reduce earnings.
Offer: Automatically renews to an 18-month term upon maturity unless action is taken. Promotional offer.
Promotional rate · 4.13% interest rate · Effective Jul 24, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000intro rate
Requirements
Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Offer: 18 Month Legacy Club. A penalty will or may be imposed for early withdrawal.
Promotional rate · 4.12% interest rate · Effective Oct 5, 2026
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More details - 4.18%APY$312 over 9 months on $10,000with conditions
Requirements
Product: Limited-time offer for new deposit customers, loan-only customers, or employees of OceanFirst Bank. Requires new money not currently on deposit at OceanFirst Bank. Automatically renews for a 9-month term at published non-special rate. Penalty for early withdrawal may apply. Government accounts excluded.
Offer: Promotional APY increase and $250,000 maximum funding amount available if opening a non-interest FreeStyle Checking or Community Business Checking account within 60 days of certificate opening date (employees may open any OceanFirst checking account).
Qualified rate · 4.10% interest rate · Balance cap $250,000
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More details - 4.15%APY$310 over 9 months on $10,000intro rate
Requirements
Product: Account fees may reduce earnings on certificates.
Promotional rate · Effective Oct 15, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
Offer: Early withdrawal penalties apply.
4.07% interest rate · Effective Oct 12, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Certificates of deposit accounts carry a substantial penalty for early withdrawal. All rates are subject to change.
Offer: Early withdrawal penalty applies.
4.01% interest rate · Effective Oct 6, 2026
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More details - Andrews Federal Credit UnionSpecial 13-Month Share CertificateCD · 13 months · $500 min
Credit union · 3 branches
4.15%APY$450 over 13 months on $10,000intro rateRequirements
Product: Must be opened with existing maturing Andrews Federal share certificate funds or new money not currently vested with the Credit Union. Maximum balance is $250,000. Limited time offer. Automatically renews at maturity to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
Offer: Minimum of $500 to open and maintain account to earn advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal certificate funds or new money. No early withdrawal penalty. At maturity automatically renews to 12-month share certificate.
Promotional rate · 4.09% interest rate · Balance cap $250,000
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More details - 4.15%APY$486 over 14 months on $10,000intro rate
Requirements
Product: Minimum balance to open is $500. New money only; funds may not already be on deposit in a Point Breeze account. Interest is compounded and credited monthly. Early withdrawal penalties may apply if any portion of principal is withdrawn prior to maturity. Offer not available to financial institutions.
Offer: 14 Month Promotional CD. New money only. At the conclusion of the 14-month special offer period, the CD automatically renews for a 12-month term at the APY in effect at renewal.
Promotional rate · Effective Oct 3, 2026
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More details - 4.15%APY$847 over 24 months on $10,000
4.07% interest rate · Effective Oct 6, 2026
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More details - FourLeaf Federal Credit UnionFourLeaf Certificate AccountCD · 60 months · $50 min
Credit union · 1 branch
4.15%APY$2,255 over 60 months on $10,000Requirements
Product: Must establish membership with FourLeaf by opening a $5 Savings account prior to opening a Certificate Account. $50 minimum balance to open account.
Offer: Assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal.
Effective Oct 16, 2026
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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
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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
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More details - Sun East Federal Credit Union8 Month Certificate SpecialCD · 8 months · $500 min
Credit union · 7 branches
4.10%APY$271 over 8 months on $10,000intro rateRequirements
Product: Limited-time 8-month certificate. 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 to earn 4.10% APY: 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.
Promotional rate · 4.02% interest rate · Effective Sep 21, 2026
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More details - 4.10%APY$306 over 9 months on $10,000
4.03% interest rate · Effective Sep 18, 2026
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More details - Forge Credit UnionShare CertificatesCD · 12 months · $500 min · 4.00%–4.30% by balance
Credit union · 1 branch
4.10%APY$410 over 1 year on $10,0003.92% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 4.00% $10,000 and upYour amount 4.10% $25,000 and up 4.20% $50,000 and up 4.30% Rate checked
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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 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