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 Reading, PA metro
- Members 1st Federal Credit Union60-Month CertificateCD · 60 months · $500 min · 1.95%–2.40% by balance
Credit union · 2 branches
2.00%APY$1,041 over 60 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. Not available for public funds accounts, financial institutions, or other institutional investors.
1.93% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for 60-Month Certificate Balance APY $500 – $10,000 1.95% $10,000 – $50,000Your amount 2.00% $50,000 – $75,000 2.05% $75,000 – $100,000 2.15% $100,000 – $500,000 2.30% $500,000 – $1,000,000 2.30% $1,000,000 and up 2.40% Rate checked
More details - Members 1st Federal Credit Union48-Month CertificateCD · 48 months · $500 min · 1.80%–2.15% by balance
Credit union · 2 branches
1.85%APY$761 over 48 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.
1.79% interest rate
Rate by balance
Rate by balance for 48-Month Certificate Balance APY $500 – $10,000 1.80% $10,000 – $50,000Your amount 1.85% $50,000 – $75,000 1.90% $75,000 – $100,000 2.00% $100,000 – $500,000 2.10% $500,000 – $1,000,000 2.10% $1,000,000 and up 2.15% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 7 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.75%APY$264 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.
1.74% interest rate · Effective Sep 17, 2026
Rate checked
More details - Members 1st Federal Credit Union36-Month CertificateCD · 36 months · $500 min · 1.70%–2.05% by balance
Credit union · 2 branches
1.75%APY$534 over 36 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.
1.69% interest rate
Rate by balance
Rate by balance for 36-Month Certificate Balance APY $500 – $10,000 1.70% $10,000 – $50,000Your amount 1.75% $50,000 – $75,000 1.80% $75,000 – $100,000 1.90% $100,000 – $500,000 2.00% $500,000 – $1,000,000 2.00% $1,000,000 and up 2.05% Rate checked
More details - Members 1st Federal Credit Union30-Month CertificateCD · 30 months · $500 min · 1.60%–1.95% by balance
Credit union · 2 branches
1.65%APY$418 over 30 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.
1.59% interest rate
Rate by balance
Rate by balance for 30-Month Certificate Balance APY $500 – $10,000 1.60% $10,000 – $50,000Your amount 1.65% $50,000 – $75,000 1.70% $75,000 – $100,000 1.80% $100,000 – $500,000 1.90% $500,000 – $1,000,000 1.90% $1,000,000 and up 1.95% Rate checked
More details - Members 1st Federal Credit Union48-Month Bump Up CertificateCD · 48 months · $500 min · 1.60%–1.95% by balance
Credit union · 2 branches
1.65%APY$677 over 48 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.
1.59% interest rate
Rate by balance
Rate by balance for 48-Month Bump Up Certificate Balance APY $500 – $10,000 1.60% $10,000 – $50,000Your amount 1.65% $50,000 – $75,000 1.70% $75,000 – $100,000 1.80% $100,000 – $500,000 1.90% $500,000 – $1,000,000 1.90% $1,000,000 and up 1.95% Rate checked
More details - Members 1st Federal Credit Union24-Month CertificateCD · 24 months · $500 min · 1.45%–1.80% by balance
Credit union · 2 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 · 2 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 · 2 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 · 2 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 · 1 branch
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 · 2 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 · 2 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
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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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