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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–27 results in Lancaster, PA
- 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 · 1 branch
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 · 1 branch
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 · 1 branch
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 - Members 1st Federal Credit Union18-Month CertificateCD · 18 months · $500 min · 1.35%–1.70% by balance
Credit union · 1 branch
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 · 1 branch
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 · 1 branch
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 - Members 1st Federal Credit Union12-Month Bump Up CertificateCD · 12 months · $500 min · 1.05%–1.40% by balance
Credit union · 1 branch
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 · 1 branch
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 - Members 1st Federal Credit Union3-Month CertificateCD · 3 months · $500 min · 0.95%–1.30% by balance
Credit union · 1 branch
1.00%APY$25 over 3 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Dividends paid at maturity. Penalty for early withdrawal.
Offer: Paid at maturity
0.95% interest rate
Rate by balance
Rate by balance for 3-Month Certificate Balance APY $500 – $10,000 0.95% $10,000 – $50,000Your amount 1.00% $50,000 – $75,000 1.05% $75,000 – $100,000 1.15% $100,000 – $500,000 1.25% $500,000 – $1,000,000 1.25% $1,000,000 and up 1.30% Rate checked
More details - Members 1st Federal Credit Union9-Month No Penalty CertificateCD · 9 months · $5,000 min
Credit union · 1 branch
0.80%APY$60 over 9 months on $10,000Requirements
Product: Minimum opening deposit and minimum balance of $5,000 required to earn advertised APY. No early withdrawal penalties. Does not renew automatically; balance transfers to regular savings account on maturity date.
0.80% interest rate
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 Lancaster, PA
121 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 1.51%
- Top 10% from
- 3.82%
- Banks, typical
- 1.41%
- Credit unions, typical
- 1.56%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Lancaster, PA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Citadel Credit UnionCredit union · 2 branches
- EverenceCredit union · 5 branches
- Finanta Credit UnionCredit union · 1 branch