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 Reading, PA metro
- 3.85%APY$95 over 3 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 3 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.78% interest rate · Effective Sep 25, 2026
Rate checked
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
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 6 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.74% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 9 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.69% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties may apply. Minimum daily balance is the amount of principal in the account each day. For certificates with the Bump Up option, the interest rate and APY may be changed once during the term of the certificate.
Offer: Bump-Up certificate: interest rate and APY may be changed once during the term.
3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.70%APY$754 over 24 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 24 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.64% interest rate · Effective Sep 25, 2026
Rate checked
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
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 · 1 branch
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 - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 12 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.45% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 18 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.45% interest rate · Effective Sep 17, 2026
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
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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 - 2.00%APY$101 over 6.066666666666666 months on $10,000
1.98% interest rate
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More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Substantial penalty for early withdrawal may apply. Minimum balance of $100.00 is required to earn dividends.
Offer: Minimum balance of $100.00 is required to earn dividends. Substantial penalty for early withdrawal may apply.
2.00% interest rate · Effective Apr 18, 2024
Rate checked
More details - 2.00%APY$404 over 24 months on $10,000intro rate
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity to Regular 24 Month CD.
Offer: Fixed rate paid for 2 years. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
Promotional rate · 1.98% interest rate · Effective Sep 17, 2026
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 Reading, PA metro
283 CDs at 20 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.15%
- Credit unions, typical
- 3.75%
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Find your bank or credit union to see all its rates and how they compare near you.
Reading, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Utilities Employees Credit UnionCredit union · 1 branch
- Discovery Federal Credit UnionCredit union · 1 branch