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 Pennsylvania
- 4.28%APY$874 over 24 months on $10,000
Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
4.20% interest rate · Effective Oct 7, 2026
Rate checked
More details - Heritage Financial Credit UnionShare CertificateCD · 4 months · $500 min · 4.00%–4.25% by balance
Credit union · 2 branches
4.25%APY$140 over 4 months on $10,000Requirements
Product: Standard minimum opening deposit is $500. Additional deposits are not allowed after opening. Early withdrawal penalties apply (90 days' dividends for 1-12 month terms, 180 days for 13-23 months, 365 days for 24-36 months, 540 days for 37-60 months). Automatically renewing certificates have a 10-day grace period.
Offer: Standard 4-Month Certificate Special rate.
3.94% interest rate · Effective May 11, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 4.00% $2,500 and upYour amountRequires opening a qualifying Heritage High Yield Checking or Cash Back Checking account at certificate opening OR depositing $2,500 in new money. 4.25% Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: Certificates of deposit are FDIC insured. Minimum opening deposit is $2,500. Substantial penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal is 6 months' interest.
4.16% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.25%APY$281 over 8 months on $10,000intro rate
Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance: the amount of the principal in the account each day. Fees could reduce the earnings on the account. Rate may be different at time of renewal.
Promotional rate · 4.17% interest rate · Balance cap $2,000,000
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: A penalty will be imposed for early withdrawal. Daily balance. The amount of the principal in the account each day. Fees could reduce the earnings on the account. Rate may be different at time of renewal.
Promotional rate · 4.17% interest rate · Balance cap $2,000,000
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Fixed rate CDs with terms from 91 days to 5 years. Minimum investment of $1,000. Early withdrawal penalties apply.
Offer: Interest compounded quarterly. Early withdrawal penalty is 90 days interest.
4.18% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - First Commonwealth Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · 15 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - North Districts Community Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Offer: Promotional rate. Offer may end without notice.
Promotional rate · 4.25% interest rate · Effective Sep 23, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 249 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$461 over 13 months on $10,000intro rate
Requirements
Product: A $5,000.00 minimum balance is required to receive a monthly interest check or have monthly interest transferred to another WFS account. Once opened, additions are not permitted until maturity. Early withdrawal penalty: 3 months interest on terms less than 1 year; 6 months interest on terms 1 year and over. Automatically renews with a 7-day grace period.
Offer: Special offer.
Promotional rate · 4.17% interest rate · Effective Oct 9, 2026
Rate checked
More details - First Keystone Community BankCertificate of Deposit (CD)CD · 18 months · $1,000 min
Bank · 19 branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Quarterly compounding. A penalty for early withdrawal may be imposed. Minimum balance to open is $500 or $1,000 depending on the term.
Offer: Term is 18 Months. Compounded quarterly.
4.18% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Consumer CDs. Choice of investment certificates (interest compounded and credited annually) or income certificates (interest paid by check or transferred to a Sewickley Savings Bank account monthly, quarterly, semiannually, or annually). Penalty may be imposed for early withdrawal. Minimum deposit $2,500.00 for 91- and 182-day terms and $500.00 for terms of 9 months to 7 years.
Offer: 18 Month term. Penalty may be imposed for early withdrawal.
4.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.
Offer: APY assumes dividends remain in account.
4.17% interest rate · Compounded monthly · Effective Oct 1, 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 Pennsylvania
2,604 CDs at 304 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.11%
- Credit unions, typical
- 3.29%
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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