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 16–24 results in State College, PA metro
- 3.35%APY$507 over 18 months on $10,000
Requirements
Product: 18-month variable rate CD. Early withdrawal penalty waived with 7-day notice of intent to withdraw funds; penalty may be imposed without notice. Not eligible to be opened as an IRA CD.
Offer: 18-month variable rate CD. Early withdrawal penalty waived with 7-day notice of intent to withdraw funds; penalty may be imposed without notice.
Effective Sep 22, 2026
Rate checked
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 - 3.26%APY$493 over 18 months on $10,000
3.25% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.05%APY$861 over 33 months on $10,000
Requirements
Product: $1,000 minimum to open. Fees may reduce earnings. Penalty for early withdrawal. APY calculations based on 365-day term.
Offer: $1,000 to open and $0.01 minimum balance to obtain APY.
Effective Oct 5, 2026
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 - Central Penn BankFixed-Rate Certificate of DepositCD · 60 months · $500 min · 0.90%–1.15% by balance
Bank · 1 branch
1.15%APY$588 over 60 months on $10,000Requirements
Product: Automatically renewable; early withdrawal penalty applies; interest compounded quarterly; options to compound interest, transfer to a deposit account, or receive check.
Offer: All CDs compounded quarterly; APY assumes standard compounding and interest remains on deposit until maturity; substantial penalty for early withdrawal.
0.90% interest rate · Compounded quarterly · Effective Aug 6, 2026
Rate by balance
Rate by balance for Fixed-Rate Certificate of Deposit Balance APY $500 – $4,999 0.90% $5,000 and upYour amount 1.15% Rate checked
More details - 0.25%APY$25 over 1 year on $10,000
Requirements
Product: Automatically renewable; interest rates vary quarterly based on market conditions; interest compounded quarterly; resets on the 15th day of the first month of the quarter; one free withdrawal per calendar quarter; additional deposits allowed; no penalty for early withdrawals.
Offer: Includes Jumbo; effective 4/15; no penalty for early withdrawals; interest rates for variable rate accounts reset on the 15th day of the first month of the quarter; compounded quarterly.
0.25% interest rate · Compounded quarterly · Effective Aug 6, 2026
Rate checked
More details - 0.20%APY$100 over 60 months on $10,000
Requirements
Product: Fixed interest rate for the term of certificate. For personal and business accounts under $100,000 only. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: In-branch rate for Zip Code 15701. Fixed rate. For personal and business accounts under $100,000 only. Not valid for institutional investors. Substantial penalty for early withdrawal.
0.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 State College, PA metro
195 CDs at 17 banks and credit unions · checked Sep 26–Oct 22
- Typical
- 1.01%
- Top 10% from
- 3.63%
- Banks, typical
- 1.00%
- Credit unions, typical
- 3.00%
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Pennsylvania
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Americo FCUCredit union · 2 branches
- FirstEnergy Choice FCUCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch