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 York, PA metro
- 3.55%APY$537 over 18 months on $10,000
Requirements
Product: Membership eligibility requires living, working, worshipping, attending school, or owning a business in York or Adams County, PA. Minimum balance to open and maintain is $500. Monthly fee is $0. Early withdrawal penalty is 30 days of dividends for terms of 1 year or less, and 90 days of dividends for terms over 1 year.
Offer: A penalty may be imposed for early withdrawal.
3.49% interest rate · Effective Oct 6, 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
Rate checked
More details - First Capital Federal Credit UnionStep-Up Share CertificateCD · 24 months · $5,000 min
Credit union · 6 branches
3.25%APY$661 over 24 months on $10,000intro rateRequirements
Product: Step up your rate one time over the term. Penalty for early withdrawal.
Offer: Step up rate one time over the term if market values rise.
Promotional rate · 3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.09%APY
Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty may apply. Automatic renewal at maturity. No additional deposits or principal withdrawals permitted during term. Fees may apply and could reduce earnings.
3.05% interest rate · Effective Sep 21, 2026
Rate checked
More details - 2.90%APY$1,537 over 60 months on $10,000
Requirements
Product: Must be a member. Minimum opening deposit of $500. Dividends compounded and credited monthly. APY assumes dividends remain on deposit until maturity. Rate is fixed for initial term of certificate. At time of maturity certificate will automatically renew for a term of 12 months at the prevailing rate. Early withdrawal penalties apply. Not valid with any other offer.
2.86% interest rate
Rate checked
More details - New Cumberland Federal Credit UnionCertificates (CD)CD · 12 months · $500 min · 2.89%–3.14% by balance
Credit union · 3 branches
2.89%APY$289 over 1 year on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. Substantial penalty for early withdrawals. Fees could reduce earnings.
2.85% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates (CD) Balance APY $500 – $10,000Your amount 2.89% $10,001 – $50,000 2.94% $50,001 – $100,000 3.04% $100,001 and up 3.14% Rate checked
More details - Belco Community Credit UnionCertificate AccountCD · 18 months · $500 min · 2.70%–2.85% by balance
Credit union · 1 branch
2.75%APY$415 over 18 months on $10,000Requirements
Product: Terms from 3 to 60 months. Most certificates (12–60 months) require a $500 minimum opening deposit and minimum balance; 3-, 6-, and 9-month terms require $1,000. Listed yields available if dividends are paid back to the certificate monthly. Early withdrawal penalty may reduce earnings. No annual fee. Balance tiers of $10K, $50K, and $75K earn higher rates.
Offer: Listed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply. Rates subject to change.
2.67% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 and up 2.70% $10,000 and upYour amount 2.75% $50,000 and up 2.80% $75,000 and up 2.85% Rate checked
More details - 2.00%APY$101 over 6.066666666666666 months on $10,000
1.98% interest rate
Rate checked
More details - Members 1st Federal Credit Union60-Month CertificateCD · 60 months · $500 min · 1.95%–2.40% by balance
Credit union · 13 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 · 13 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 · 5 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 - Members 1st Federal Credit Union36-Month CertificateCD · 36 months · $500 min · 1.70%–2.05% by balance
Credit union · 13 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 - 1.66%APY$250 over 18 months on $10,000
Requirements
Product: Let you increase your rate during the term. $500 minimum opening deposit and minimum balance. Dividends paid back monthly. Early withdrawal penalty applies.
Offer: 18 Month Bump Up Certificate.
1.65% interest rate · Effective Oct 16, 2026
Rate checked
More details - 1.66%APY$250 over 18 months on $10,000
Requirements
Product: 18 Month Add On Certificate. $500 minimum opening deposit and minimum balance. Additional deposits allowed. Dividends paid back monthly. Early withdrawal penalty applies.
Offer: 18 Month Add On Certificate. Additional deposits allowed.
1.65% interest rate · Effective Oct 16, 2026
Rate checked
More details - Members 1st Federal Credit Union30-Month CertificateCD · 30 months · $500 min · 1.60%–1.95% by balance
Credit union · 13 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
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 York, PA metro
202 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 1.76%
- Top 10% from
- 3.80%
- Banks, typical
- 1.46%
- Credit unions, typical
- 2.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
York, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriChoice Federal Credit UnionCredit union · 1 branch
- Heritage Valley Federal Credit UnionCredit union · 3 branches
- First Capital Federal Credit UnionCredit union · 6 branches