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 of 74 results in Philadelphia, PA-NJ-DE-MD metro
- 4.40%APY$328 over 9 months on $10,000
Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 90 days simple interest for terms shorter than 1 year.
Compounded daily · Balance cap $1,000,000 · Effective Oct 29, 2026
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More details - 4.33%APY$323 over 9 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.
4.25% interest rate · Effective Sep 18, 2026
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More details - 4.30%APY$321 over 9 months on $10,000
Requirements
Offer: Requires a qualifying Momentum Checking account to receive the promotional bonus rate.
Effective Oct 26, 2026
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More details - 4.30%APY$321 over 9 months on $10,000
Requirements
Product: Dividends are compounded and credited quarterly on the daily balance.
4.23% interest rate · Effective Oct 29, 2026
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More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: $500 minimum deposit to open. Early withdrawals subject to penalties: Terms of 6 months or less – 31 days’ dividends; Terms of 12 months – 91 days’ dividends; Terms longer than 12 months – 181 days’ dividends. Special Promo 9-Month Regular Share Certificate available. Other terms and rates available.
Offer: Special Promo! 9-Month Regular Share Certificate. Rates subject to change. Early withdrawal penalties may apply. Other terms and rates available.
Promotional rate · Effective Nov 1, 2026
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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
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More details - First Financial Federal Credit UnionShare CertificateCD · 9 months · $500 min
Credit union · 1 branch
4.20%APY$313 over 9 months on $10,000with conditionsRequirements
Product: Dividends compounded daily and credited monthly. 10-calendar-day grace period with automatic renewal upon maturity. Early withdrawal penalties apply. Option for bump-up after 6 months on 18-, 24-, and 36-month certificates.
Offer: Must meet Better Rewards Checking eligibility requirements at the time of opening or renewing.
Qualified rate · 4.11% interest rate · Compounded daily · Effective Nov 5, 2026
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More details - 4.20%APY$313 over 9 months on $10,000
Requirements
Offer: Minimum balance to obtain APY is more than $0. Opening online requires minimum balance of $1,000.
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More details - 4.20%APY$313 over 9 months on $10,000
4.12% interest rate · Effective Oct 26, 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 30, 2026
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More details - 4.10%APY$306 over 9 months on $10,000
Requirements
Product: Up to 50% of the Flex Certificate balance may be withdrawn one time over the term of the Certificate with no penalty. Subsequent withdrawals or withdrawals in excess of 50% are subject to early withdrawal penalties. Minimum deposit to open is $100; maximum deposit is $500,000. Additional funds up to the maximum deposit can be added at any time during the term. Automatically renews at maturity to the rate in effect at that time.
4.03% interest rate · Balance cap $500,000 · Effective Oct 23, 2026
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More details - 4.08%APY$304 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: Standard tier for 9 Month CD Special without qualifying checking account. Requires $5,000 minimum new money to open and $100,000 maximum funding.
Qualified rate · 4.01% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - Philadelphia Federal Credit UnionJumbo CertificateCD · 9 months · $10,000 min
Credit union · 13 branches
4.03%APY$301 over 9 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.95% interest rate
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More details - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.
3.92% interest rate · Effective Oct 1, 2026
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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 9-month CDs pay in Philadelphia, PA-NJ-DE-MD metro
74 CDs at 60 banks and credit unions · checked Oct 23–Nov 6
- Typical
- 3.38%
- Top 10% from
- 4.20%
- Banks, typical
- 3.28%
- Credit unions, typical
- 3.83%
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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
- American Airlines Federal Credit UnionCredit union · 1 branch