What are the best CD rates in Pennsylvania?

Here are recent top rates found for this area: Armstrong County Building and Loan Association : 4.50% APY (18 Month IRA SEP Certificate) Citizens & Northern Bank C&N : 4.42% APY (60 Month Certificate of Deposit) Tendto Credit Union : 4.37% APY (60 month Certificate) First Federal S&L of Greene Co : 4.35% APY (1 Year Certificate) First Northern Bank and Trust Company : 4.29% APY (2 Year (24 Month) Adjustable CD) Enterprise Bank Allison Park, PA : 4.28% APY (Business 5 Year CD) Crescent Bank : 4.25% APY (24-month CD) First Keystone Community Bank : 4.25% APY (18 Month Certificate) Heritage Financial Credit Union : 4.25% APY (Share/IRA Certificate Special - 12 months) P.C. Federal Credit Union : 4.25% APY (6 Month Share Certificate)

A CD ladder involves opening multiple CDs with staggered maturity dates, for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

MonitorBankRates

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Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

iAdvertiser Disclosure CD Rate Trends

Pennsylvania Best CD Rates September 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty, often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Pennsylvania.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: September 21, 2026

Current Pennsylvania CD rates include Armstrong County Building and Loan AssociationArmstrong County Building and Loan Association935 5th Ave, Ford City, PA 16226A+5.0 ★Texas Ratio: 6.00%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month IRA SEP Certificate at 4.50% APY, Citizens & Northern Bank C&NCitizens & Northern Bank C&N423 433 Reuter Boulevard, Towanda, PA 18848A5.0 ★Texas Ratio: 11.32%Real return: +1.62%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.42% APY, Tendto Credit UnionTendto Credit Union1129 State St, Erie, PA 16501 1911A+5.0 ★Texas Ratio: 3.81%Real return: +1.57%APY minus CPI (February 2026) offering 60 month Certificate at 4.37% APY, First Federal S&L of Greene CoFirst Federal S&L of Greene Co25 E High St, Waynesburg, PA 15370A+5.0 ★Texas Ratio: 2.73%Real return: +1.55%APY minus CPI (February 2026) offering 1 Year Certificate at 4.35% APY, and First Northern Bank and Trust CompanyFirst Northern Bank and Trust Company4th Street And Lafayette Avenue, Palmerton, PA 18071A+5.0 ★Texas Ratio: 5.78%Real return: +1.49%APY minus CPI (February 2026) offering 2 Year (24 Month) Adjustable CD at 4.29% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Pennsylvania side-by-side. Pennsylvania CD rates currently reach as high as 4.50% APY from Armstrong County Building and Loan Association at 935 5th Ave, Ford City, PA 16226. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026

Compare Best CD Rates in Pennsylvania

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Pennsylvania 3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week

View 3-month CD rate trend

The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

2141 Downyflake Ln, Allentown, PA 18103 4774

3 Month Business Share Certificate

4.00% ▲ 1.94% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.94% above avg

Details

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

2141 Downyflake Ln, Allentown, PA 18103 4774

3 Month Share Certificate

4.00% ▲ 1.94% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.94% above avg

Details

Lehigh Valley Educators Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.78%

3720 Hamilton Blvd, Allentown, PA 18103

3 Month Share/IRA Certificate

4.00% ▲ 1.94% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.94% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 Westwood Rd, Pottsville, PA 17901 1834

Jumbo CDs (Above - 3 months (90 Days)

3.82% ▲ 1.76% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.76% above avg

Details

$75,000

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 Westwood Rd, Pottsville, PA 17901 1834

Share Certificates of Deposit - 3 months (90 Days)

3.82% ▲ 1.76% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.76% above avg

Details

Jumbo CDs (Above $75,000)

American Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.26%

4029 W Tilghman St, Allentown, PA 18104

90 Day Certificate

3.80% ▲ 1.74% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.74% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 Westwood Rd, Pottsville, PA 17901 1834

IRA Certificates of Deposit - 3 months (90 Days)

3.76% ▲ 1.70% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.70% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 Westwood Rd, Pottsville, PA 17901 1834

Regular CDs - 3 months (90 Days)

3.76% ▲ 1.70% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.70% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 Westwood Rd, Pottsville, PA 17901 1834

Share Certificates of Deposit - 3 months (90 Days)

3.76% ▲ 1.70% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.70% above avg

Details

Woori America Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.01%

7300 Old York Rd, Elkins Park, PA 19027

3-Months CD

$1,000

3.70% ▲ 1.64% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.64% above avg

Details

Interest is not compounded. Interest will be credited to your account at maturity.

CACL Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

1800 W Market St, Pottsville, PA 17901

3 Month Certificate

3.70% ▲ 1.64% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.64% above avg

Details

CACL Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

1800 W Market St, Pottsville, PA 17901

3 Month IRA Certificate

3.70% ▲ 1.64% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.64% above avg

Details

CACL Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

1800 W Market St, Pottsville, PA 17901

3-Month Certificate

$500

3.70% ▲ 1.64% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.64% above avg

Details

APY up to 3.70%

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

3 Month IRA Certificate

3.70% ▲ 1.64% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.64% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

3 Month Certificate

3.65% ▲ 1.59% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.59% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

2001 Museum Rd, Wyomissing, PA 19610 2859

3 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.65% ▲ 1.59% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.59% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

3 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

3.65% ▲ 1.59% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.59% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 3 months

$500

3.65% ▲ 1.59% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.59% above avg

Details

APY assumes dividends remain in account.

Mid Penn Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.25%

29 Main Street, Tremont, PA 17981

3 Month Certificate of Deposit

3.60% ▲ 1.54% above national avg

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.54% above avg

Details

Meridian Bank

Institution Rating:

D3.4 ★Texas Ratio: 34.36%

220 W Lancaster Avenue, Wayne, PA 19087

3 Month CD

$500

3.60% ▲ 1.54% above national avg

View

▼

Rate3.53%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.54% above avg

Details

Kish Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

4255 E Main St, Belleville, PA 17004

3 Month Certificate

3.60% ▲ 1.54% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.54% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

3 Month IRA Certificate

3.60% ▲ 1.54% above national avg

View

▼

Rate3.54%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.54% above avg

Details

Balance: $10,000 to $74,999.99

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

520 Eagleview Blvd, Exton, PA 19341

3 Month Bonus Certificate

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.49% above avg

Details

CommonRoots Federal Credit Union 1204 Freedom Rd, Cranberry Township, PA 16066

3 Month Certificate

3.55% ▲ 1.49% above national avg

View

▼

Rate3.50%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.49% above avg

Details

Balance: $50,000 & Over

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

520 Eagleview Blvd, Exton, PA 19341

3 Month Certificate

$500

3.50% ▲ 1.44% above national avg

View

▼

Rate3.45%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.06%▲ 1.44% above avg

Details

Sun East Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.59%

4500 Pennell Rd, Aston, PA 19014 1862

3 Month Regular / IRA

$500

3.50% ▲ 1.44% above national avg

View

▼

Rate3.44%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.44% above avg

Details

Term: 3 Month Regular / IRA

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

Jumbo Certificate - 3 Month

$10,000

3.50% ▲ 1.44% above national avg

View

▼

Rate3.44%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.44% above avg

Details

Franklin Mint Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

5 Hillman Dr, Chadds Ford, PA 19317

3 Month Share Certificate

3.50% ▲ 1.44% above national avg

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.44% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

3 Month IRA Certificate

3.50% ▲ 1.44% above national avg

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.44% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

335 Commerce Dr, Fort Washington, PA 19034 2701

3-month Certificate

$500

3.45% ▲ 1.39% above national avg

View

▼

Rate3.40%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.39% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

3 Month Certificate

$250

3.40% ▲ 1.34% above national avg

View

▼

Rate3.34%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.34% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

90 Day Jumbo Certificate

3.31% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.25% above avg

Details

Jumbo Certificate

CommonRoots Federal Credit Union 1204 Freedom Rd, Cranberry Township, PA 16066

3 Month Certificate

3.29% ▲ 1.23% above national avg

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.23% above avg

Details

Balance: $1,000 - $49,999

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

90 Day Regular Certificate

3.26% ▲ 1.20% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.20% above avg

Details

Regular Certificate

S&T Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.93%

7660 Saltsburg Rd, Pittsburgh, PA 15239

3 Month CD

$1,000

3.25% ▲ 1.19% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.19% above avg

Details

County Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

10 Powhattan Ave, Essington, PA 19029

3 Month Certificate of Deposit

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.06%▲ 1.19% above avg

Details

Visions Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.82%

232 Ennis Ln, Towanda, PA 18848

3-Month Share Certificate

$500

3.15% ▲ 1.09% above national avg

View

▼

Rate3.10%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.09% above avg

Details

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

143 N Main St, Elderton, PA 15736

3 Months - Tier account

$1,000

3.10% ▲ 1.04% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.04% above avg

Details

Balance: $50,000.00-2,000,000.00

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

143 N Main St, Elderton, PA 15736

IRA - 3 Months - Tier account

$1,000

3.10% ▲ 1.04% above national avg

View

▼

Rate3.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.04% above avg

Details

Balance: $50,000.00-2,000,000.00

Wilmington Savings Fund Society (WSFS)

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

801 W Lancaster Ave, Bryn Mawr, PA 19010

3 Month Certificate

$2,500

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.94% above avg

Details

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

143 N Main St, Elderton, PA 15736

3 Months - Tier account

$1,000

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.94% above avg

Details

Balance: $10,000.00-49,999.99

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

143 N Main St, Elderton, PA 15736

IRA - 3 Months - Tier account

$1,000

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.94% above avg

Details

Balance: $10,000.00-49,999.99

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

143 N Main St, Elderton, PA 15736

3 Months - Tier account

$1,000

2.90% ▲ 0.84% above national avg

View

▼

Rate2.86%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.84% above avg

Details

Balance: up to $9,999.99

Elderton State Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.49%

143 N Main St, Elderton, PA 15736

IRA - 3 Months - Tier account

$1,000

2.90% ▲ 0.84% above national avg

View

▼

Rate2.86%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.84% above avg

Details

Balance: up to $9,999.99

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

901 Arch St, Philadelphia, PA 19107 2404

IRA Certificates - 3 month

2.80% ▲ 0.74% above national avg

View

▼

Rate2.77%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.06%▲ 0.74% above avg

Details

Police And Fire Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

901 Arch St, Philadelphia, PA 19107 2404

Jumbo Certificates - 3 month

2.80% ▲ 0.74% above national avg

View

▼

Rate2.77%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.06%▲ 0.74% above avg

Details

First Bank (NJ)

Institution Rating:

A5.0 ★Texas Ratio: 6.42%

42 E Lancaster Ave, Paoli, PA 19301

3 Month CD

$500

2.75% ▲ 0.69% above national avg

View

▼

Rate2.71%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.69% above avg

Details

Withdrawal of interest may reduce APY. Early withdrawal penalty may be imposed. At maturity, the CD will automatically renew to the corresponding CD product at the current rate in effect at that time.

First Bank (NJ)

Institution Rating:

A5.0 ★Texas Ratio: 6.42%

42 E Lancaster Ave, Paoli, PA 19301

3 Month Certificate of Deposit (Regular & IRA)

$500

2.75% ▲ 0.69% above national avg

View

▼

Rate2.71%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.69% above avg

Details

United Savings Bank Philadelphia, PA

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1510 Packer Ave, Philadelphia, PA 19145

3 Month Certificate of Deposit

$1,000

2.75% ▲ 0.69% above national avg

View

▼

Rate2.69%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 0.69% above avg

Details

NET

Institution Rating:

A+5.0 ★Texas Ratio: 5.96%

1444 E Lackawanna St, Olyphant, PA 18447 2174

Share Certificates (CD) - 3 Months

$1,000

2.75% ▲ 0.69% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.69% above avg

Details

Pennsylvania 6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week

View 6-month CD rate trend

The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

P.C. Federal Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.24%

203 N Main St, Port Allegany, PA 16743

6 Month Share Certificate

$100,000

4.25% ▲ 1.48% above national avg

View

▼

Rate4.25%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.48% above avg

Details

Balance: $100000.00 to open $100000.00 to obtain disclosed APY

First Federal S&L of Greene Co

Institution Rating:

A+5.0 ★Texas Ratio: 2.73%

25 E High St, Waynesburg, PA 15370

6 Month Certificate

4.14% ▲ 1.37% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.37% above avg

Details

Early Withdrawal Penalty: 3 months interest

Westmoreland Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

322 Main St, Latrobe, PA 15650

6 Month Certificate

$10,000

4.10% ▲ 1.33% above national avg

View

▼

Rate4.06%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.33% above avg

Details

$10,000 New Money

P.C. Federal Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.24%

203 N Main St, Port Allegany, PA 16743

6 Month Share Certificate

$100,000

4.10% ▲ 1.33% above national avg

View

▼

Rate4.10%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.33% above avg

Details

Balance: $100000.00 to open $100000.00 to obtain disclosed APY

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

626 Jacksonville Rd, Warminster, PA 18974 4862

6 Month Share Certificate

4.07% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.30% above avg

Details

United Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.23%

4703 Hamilton Blvd, Allentown, PA 18103

6 month Share Certificate Special

4.05% ▲ 1.28% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.28% above avg

Details

When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

2141 Downyflake Ln, Allentown, PA 18103 4774

6 Month Business Share Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.23% above avg

Details

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

2141 Downyflake Ln, Allentown, PA 18103 4774

6 Month Share Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.23% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

Jumbo Certificate - 6 Month

$10,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.92%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.23% above avg

Details

Citymark Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.07%

40 E Market St, Wilkes Barre, PA 18711

6-Month Promo

$500

4.00% ▲ 1.23% above national avg

View

▼

Rate3.96%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

new money only

Timberland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

821 Beaver Dr, DuBois, PA 15801

6-Month IRA Certificate

$1,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Timberland Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.72%

821 Beaver Dr, DuBois, PA 15801

6-Month Share Certificate

$1,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

1000 Fedex Dr, Moon Township, PA 15108 9373

6 Month Share Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

$50,000 & up; Dividends Paid Monthly

Lehigh Valley Educators Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.78%

3720 Hamilton Blvd, Allentown, PA 18103

6 Month Share/IRA Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

UFCW COMMUNITY

Institution Rating:

A+5.0 ★Texas Ratio: 2.81%

377 Wyoming Ave, Wyoming, PA 18644

6 Month Share Certificates

4.00% ▲ 1.23% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

Balance: $500 Minimum

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

4091 Mount Royal Blvd, Allison Park, PA 15101

Business 6 Month CD

3.92% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.15% above avg

Details

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

2307 Brown St, Philadelphia, PA 19130

6 Month Certificate

3.92% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.15% above avg

Details

Early Withdrawal Penalty: 1 month interest

OceanFirst Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.26%

1500 Market St, Philadelphia, PA 19102

6 Month CD

$5,000

3.90% ▲ 1.13% above national avg

View

▼

Rate3.83%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.13% above avg

Details

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.

TTNB Turbotville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

4710 State Route 54, Turbotville, PA 17772

6 Month Certificate

3.90% ▲ 1.13% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.13% above avg

Details

Balance: $5,000 & over

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

6 Month Certificate

$250

3.90% ▲ 1.13% above national avg

View

▼

Rate3.83%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.13% above avg

Details

Mid Penn Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.25%

29 Main Street, Tremont, PA 17981

6 Month Certificate of Deposit

3.85% ▲ 1.08% above national avg

View

▼

Rate3.81%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Peoples Security Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

1901 Sanderson Ave, Scranton, PA 18509

6 Month Pick Your Term

$5,000

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Term: 6 Month Pick Your Term; Balance: $5,000 or more

Quaint Oak Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.98%

501 Knowles Ave, Southampton, PA 18966

6 Month CD

3.85% ▲ 1.08% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.08% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

6 Month Certificate

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

6 Month Certificate of Deposit

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.03% above avg

Details

Balance: $100,000.00 and over

American Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.26%

4029 W Tilghman St, Allentown, PA 18104

6 Month CD

3.80% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.03% above avg

Details

Westmoreland Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 2.12%

322 Main St, Latrobe, PA 15650

6 Month Certificate

$1,000

3.80% ▲ 1.03% above national avg

View

▼

Rate3.77%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.03% above avg

Details

CommonRoots Federal Credit Union 1204 Freedom Rd, Cranberry Township, PA 16066

6 Month Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.03% above avg

Details

Balance: $50,000 & Over

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

17 East Ave, Wellsboro, PA 16901

6 Month Jumbo Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.03% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

6 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

3.80% ▲ 1.03% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.03% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 6 months

$500

3.80% ▲ 1.03% above national avg

View

▼

Rate3.74%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.03% above avg

Details

APY assumes dividends remain in account.

AAC Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.21%

1235 Water St, East Greenville, PA 18041

6 Month Certificate of Deposit

3.80% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.03% above avg

Details

Rates also apply to IRA and HSA Certificates of Deposit.

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

6 Month IRA Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.03% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

335 W Butler Ave, Chalfont, PA 18914

6-Month Certificate

3.80% ▲ 1.03% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.03% above avg

Details

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

1402 Bywood Ave, Upper Darby, PA 19082

6 Month Share Certificate

$500

3.80% ▲ 1.03% above national avg

View

▼

Rate3.73%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.03% above avg

Details

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 Westwood Rd, Pottsville, PA 17901 1834

Jumbo CDs (Above - 6 months (180 Days)

3.76% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.99% above avg

Details

$75,000

Hidden River Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.61%

60 Westwood Rd, Pottsville, PA 17901 1834

Share Certificates of Deposit - 6 months (180 Days)

3.76% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.99% above avg

Details

Jumbo CDs (Above $75,000)

Woori America Bank

Institution Rating:

A5.0 ★Texas Ratio: 11.01%

7300 Old York Rd, Elkins Park, PA 19027

6-Months CD

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Interest is not compounded. Interest will be credited to your account at maturity.

Unity Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.27%

1700 Sullivan Trl, Easton, PA 18040

6 Month CD

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

6 Month Certificate of Deposit

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Balance: $50,000.00

Ameriserv Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.69%

216 Franklin St, Johnstown, PA 15901

6-Month CD

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

TTNB Turbotville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

4710 State Route 54, Turbotville, PA 17772

6 Month Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.98% above avg

Details

Balance: $2,500 - $5,000

WVS West View SB

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

9001 Perry Hwy, Pittsburgh, PA 15237

6 Month Certificate

$5,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.98% above avg

Details

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

2317 Easton Ave, Bethlehem, PA 18017 5009

6 Month Share Certificates

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.77%▲ 0.98% above avg

Details

Upper Darby Bell Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

1410 Bywood Ave, Upper Darby, PA 19082

CD - 6 months

$500

3.75% ▲ 0.98% above national avg

View

▼

Rate3.68%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.77%▲ 0.98% above avg

Details

Steel Strong Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.98%

1301 Camp Hollow Rd, West Mifflin, PA 15122

6 Month Term Share Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

PennTech Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

409 Center St Ste C, Johnsonburg, PA 15845 1307

6 Month Share Certificate

$500

3.75% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

Mountain Laurel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

413 S Michael St, Saint Marys, PA 15857

6 mo. Cert.

3.75% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

Mountain Laurel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

413 S Michael St, Saint Marys, PA 15857

6 month certificate

$500

3.75% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

Service 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.52%

861 Bloom Rd, Danville, PA 17821

6 Month Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information.

Pennsylvania 12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week

View 12-month CD rate trend

The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

First Federal S&L of Greene Co

Institution Rating:

A+5.0 ★Texas Ratio: 2.73%

25 E High St, Waynesburg, PA 15370

1 Year Certificate

4.35% ▲ 1.40% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.40% above avg

Details

Compounding: Semi-annually; Early Withdrawal Penalty: 3 months interest

Heritage Financial Credit Union 111 Hulst Dr Ste 703A, Matamoras, PA 18336

Share/IRA Certificate Special - 12 months

$2,500

4.25% ▲ 1.30% above national avg

View

▼

Rate4.18%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.30% above avg

Details

Minimum: $,2500 new money** or open qualifying account

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

1001 California Ave, Pittsburgh, PA 15290

1 Year Starter Add-On Certificate

4.25% ▲ 1.30% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.30% above avg

Details

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

2141 Downyflake Ln, Allentown, PA 18103 4774

12 Month Business Share Certificate

4.15% ▲ 1.20% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.20% above avg

Details

People First Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.16%

2141 Downyflake Ln, Allentown, PA 18103 4774

12 Month Share Certificate

4.15% ▲ 1.20% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.20% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

12 Month (IRA Certificate)

4.10% ▲ 1.15% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.15% above avg

Details

IRA Certificate

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

12 Month IRA Certificate

4.10% ▲ 1.15% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.15% above avg

Details

C-B-W Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.20%

PO Box 400, Sidman, PA 15955 0400

Mini-Jumbo - 1 Year Certificate

$50,000

4.10% ▲ 1.15% above national avg

View

▼

Rate4.10%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.15% above avg

Details

Minimum Deposit $50,000

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

1402 Bywood Ave, Upper Darby, PA 19082

12 Month Share Certificate

$50,000

4.10% ▲ 1.15% above national avg

View

▼

Rate4.03%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.15% above avg

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

1001 California Ave, Pittsburgh, PA 15290

1 Year Add-On Certificate

4.10% ▲ 1.15% above national avg

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.15% above avg

Details

First Northern Bank and Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 5.78%

4th Street And Lafayette Avenue, Palmerton, PA 18071

1 Year (12 Month) Adjustable CD

$5,000

4.09% ▲ 1.14% above national avg

View

▼

Rate4.03%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.14% above avg

Details

Open account in person; See details.

Sewickley Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

531 Broad St, Sewickley, PA 15143

1 Year IRA Certificate

$500

4.07% ▲ 1.12% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.12% above avg

Details

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

4091 Mount Royal Blvd, Allison Park, PA 15101

Business 1 Year CD

4.07% ▲ 1.12% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.12% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

626 Jacksonville Rd, Warminster, PA 18974 4862

12 Month Share Certificate

4.07% ▲ 1.12% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.12% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

12 Month Certificate of Deposit

4.06% ▲ 1.11% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.11% above avg

Details

Balance: $100,000.00 and over

MERHO Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.64%

15 Irene St, Johnstown, PA 15905 4124

12 Months Share Certificate

$500

4.06% ▲ 1.11% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.11% above avg

Details

Minimum Deposit $500.00

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

Jumbo Certificate - 1 Year

$10,000

4.05% ▲ 1.10% above national avg

View

▼

Rate3.97%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.10% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

335 W Butler Ave, Chalfont, PA 18914

12-Month Certificate

4.05% ▲ 1.10% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.10% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

12 Month Certificate of Deposit

4.01% ▲ 1.06% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.06% above avg

Details

Balance: $50,000.00

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

4099 William Penn Hwy, Monroeville, PA 15146

12 Month Certificate

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Sewickley Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

531 Broad St, Sewickley, PA 15143

1 Year Certificate

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.05% above avg

Details

TTNB Turbotville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

4710 State Route 54, Turbotville, PA 17772

12 Month Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

Balance: $5,000 & over

Slovenian S&L of Canonsburg

Institution Rating:

A+5.0 ★Texas Ratio: 5.32%

130 Boone Ave, Strabane, PA 15363

12 Month Certificate

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate3.87%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

**Penalty for early withdrawal 91 day, 182 day, 12 mo., and 13 mo. certificates - 3 mos. Interest loss whether earned or not.

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

2317 Easton Ave, Bethlehem, PA 18017 5009

12 Month Roth IRA Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.95%▲ 1.05% above avg

Details

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

2317 Easton Ave, Bethlehem, PA 18017 5009

12 Month Share Certificates

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.95%▲ 1.05% above avg

Details

Bethlehem 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.83%

2317 Easton Ave, Bethlehem, PA 18017 5009

12 Month Traditional IRA Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.95%▲ 1.05% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

12 Month Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

12 Month Regular Certificates

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificate 12-Month

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificates 12-Month

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

12 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 12 months

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.05% above avg

Details

APY assumes dividends remain in account.

C-B-W Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.20%

PO Box 400, Sidman, PA 15955 0400

1 Year IRA Certificate

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Minimum Deposit $500

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

2744 Century Blvd, Wyomissing, PA 19610

12 Month Certificates

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

York Educational Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

1601 S Queen St, York, PA 17403 4630

12 Month Special CD Rate

4.00% ▲ 1.05% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

FedEx Employees Credit Association Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.71%

1000 Fedex Dr, Moon Township, PA 15108 9373

12 Month Share Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

$50,000 & up; Dividends Paid Monthly

Service 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.52%

861 Bloom Rd, Danville, PA 17821

12 Month Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Service 1st Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.52%

861 Bloom Rd, Danville, PA 17821

12 Month IRA Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

North Districts Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.80%

101 NORTHTOWNE SQ, GIBSONIA, PA 15044 9505

1 Year Share Certificate

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

North Districts Credit Union

Institution Rating:

A-4.9 ★Texas Ratio: 16.80%

101 NORTHTOWNE SQ, GIBSONIA, PA 15044 9505

1-year CD

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Rate is also 4.00% as dividends are posted annually. Offer may end without notice. APY = Annual Percentage Yield.

Lehigh Valley Educators Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.78%

3720 Hamilton Blvd, Allentown, PA 18103

12 Month Share/IRA Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

1 Year Youth Flex Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Term: 1 Year Youth Flex Certificate; Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.

Heritage Financial Credit Union 111 Hulst Dr Ste 703A, Matamoras, PA 18336

12 Month Share/IRA Certificate Special

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

New money means funds not currently on deposit with HFCU. Transfers from existing HFCU accounts, or funds withdrawn and redeposited within 30 days, do not qualify. Additional deposits are not permitted after opening. Dividends may be withdrawn without penalty at quarter end. Principal withdrawals before maturity are subject to an early withdrawal penalty. IRA certificate withdrawals are not permitted and may be subject to penalty; IRA dividends may be withdrawn subject to penalty. Automatically renewing certificates have a 10-day grace period after maturity to withdraw funds or make changes without penalty. The special certificate renews into HFCU's standard certificate product for the applicable term then offered, unless otherwise disclosed.

Heritage Financial Credit Union 111 Hulst Dr Ste 703A, Matamoras, PA 18336

Share/IRA Certificate Special - 12 months

$500

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

1402 Bywood Ave, Upper Darby, PA 19082

12 Month Share Certificate

$25,000

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Mid Penn Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.25%

29 Main Street, Tremont, PA 17981

1 Year Certificate of Deposit

3.95% ▲ 1.00% above national avg

View

▼

Rate3.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.00% above avg

Details

Mid Penn Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.25%

29 Main Street, Tremont, PA 17981

1 Year IRA Certificate

3.95% ▲ 1.00% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.00% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

1 Year Certificate

$500

3.95% ▲ 1.00% above national avg

View

▼

Rate3.87%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.95%▲ 1.00% above avg

Details

C-B-W Schools Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.20%

PO Box 400, Sidman, PA 15955 0400

High Yield - 1 Year Certificate

$10,000

3.95% ▲ 1.00% above national avg

View

▼

Rate3.95%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.00% above avg

Details

Minimum Deposit $10,000

Mountain Laurel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.11%

413 S Michael St, Saint Marys, PA 15857

12 mo. Cert

3.95% ▲ 1.00% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.00% above avg

Details

Pennsylvania 18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week

View 18-month CD rate trend

The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Armstrong County Building and Loan Association

Institution Rating:

A+5.0 ★Texas Ratio: 6.00%

935 5th Ave, Ford City, PA 16226

18 Month IRA SEP Certificate

4.50% ▲ 1.68% above national avg

View

▼

Rate4.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.68% above avg

Details

Armstrong County Building and Loan Association

Institution Rating:

A+5.0 ★Texas Ratio: 6.00%

935 5th Ave, Ford City, PA 16226

18 Month IRA Traditional Certificate

4.50% ▲ 1.68% above national avg

View

▼

Rate4.34%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.68% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

18-Month Term Certificate

4.28% ▲ 1.46% above national avg

View

▼

Rate4.21%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.46% above avg

Details

Balance: $200,000+

First Keystone Community Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.74%

111 W Front St, Berwick, PA 18603

18 Month Certificate

$1,000

4.25% ▲ 1.43% above national avg

View

▼

Rate4.18%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.43% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

18 Month Certificate of Deposit

4.22% ▲ 1.40% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.40% above avg

Details

Balance: $100,000.00 and over

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

18 Month Certificate of Deposit

4.16% ▲ 1.34% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.34% above avg

Details

Balance: $50,000.00

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

2307 Brown St, Philadelphia, PA 19130

18 Month Certificate

4.08% ▲ 1.26% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.26% above avg

Details

Early Withdrawal Penalty: 3 month interest

Citizens Savings Bank Clarks Summit, PA

Institution Rating:

A+5.0 ★Texas Ratio: 1.51%

500 S State St, Clarks Summit, PA 18411

12, 15, or 18-Month CDs

4.07% ▲ 1.25% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.25% above avg

Details

4.07% A.P.Y.*

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

626 Jacksonville Rd, Warminster, PA 18974 4862

18 Month Share Certificate

4.07% ▲ 1.25% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.25% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

18-Month Term Certificate

4.07% ▲ 1.25% above national avg

View

▼

Rate4.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.25% above avg

Details

Balance: $75,000 - $199,999.99

American Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.26%

4029 W Tilghman St, Allentown, PA 18104

18 Month Certificate

4.05% ▲ 1.23% above national avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.23% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

18 Month Regular Certificates

$500

4.05% ▲ 1.23% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.23% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificate 18-Month

$500

4.05% ▲ 1.23% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.23% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificates 18-Month

$500

4.05% ▲ 1.23% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.23% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

18 Month Certificate of Deposit

4.01% ▲ 1.19% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.19% above avg

Details

Balance: $25,000.00

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

18 Month Legacy Club Certificate

4.01% ▲ 1.19% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.19% above avg

Details

Legacy Club

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

18 Month Jumbo and Jumbo IRA Certificates

4.01% ▲ 1.19% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.19% above avg

Details

$100,000 and Above

Peoples Security Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

1901 Sanderson Ave, Scranton, PA 18509

18 Month Pick Your Term

$5,000

4.00% ▲ 1.18% above national avg

View

▼

Rate3.94%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

Term: 18 Month Pick Your Term; Balance: $5,000 or more

Unity Bank

Institution Rating:

A5.0 ★Texas Ratio: 9.27%

1700 Sullivan Trl, Easton, PA 18040

18 Month CD

$1,000

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

4099 William Penn Hwy, Monroeville, PA 15146

18 Month Certificate

$1,000

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

The Honesdale National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.92%

733 Main St, Honesdale, PA 18431

18 Month CD Special

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 1.18% above avg

Details

Published APY range: 4.00% - 4.01%.

Hatboro Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

221 S York Rd, Hatboro, PA 19040

18 Month CD

$1,000

4.00% ▲ 1.18% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.18% above avg

Details

TTNB Turbotville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

4710 State Route 54, Turbotville, PA 17772

18 Month Certificate

4.00% ▲ 1.18% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.18% above avg

Details

Balance: $5,000 & over

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

Jumbo Certificate - 18 Month

$10,000

4.00% ▲ 1.18% above national avg

View

▼

Rate3.92%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.18% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

18 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.18% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 18 months

$500

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.18% above avg

Details

APY assumes dividends remain in account.

Franklin Mint Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.81%

5 Hillman Dr, Chadds Ford, PA 19317

18 Month Share Certificate

4.00% ▲ 1.18% above national avg

View

▼

Rate3.92%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.18% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1601 Cherry St, Phila, PA 19102 1320

18-month Flex Certificate

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.18% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1601 Cherry St, Phila, PA 19102 1320

18-month IRA Growth Certificate

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.18% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

18 Month IRA Certificates

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.14% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

18 Month Term Certificates

3.96% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.14% above avg

Details

Penalty for early withdrawal.

Quaint Oak Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.98%

501 Knowles Ave, Southampton, PA 18966

18 Month CD

3.95% ▲ 1.13% above national avg

View

▼

Rate3.82%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.13% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

18 Month Certificate

3.91% ▲ 1.09% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.09% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

18 Month Certificate

$500

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 1.08% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

18-Month Term Certificate

3.86% ▲ 1.04% above national avg

View

▼

Rate3.81%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.04% above avg

Details

Balance: $1,000 - $74,999.99

M&T Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

213 Market St, Harrisburg, PA 17101

18 MONTH SELECT Certificate of Deposit

$1,000

3.85% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.03% above avg

Details

Requires a qualifying checking account.

M&T Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

213 Market St, Harrisburg, PA 17101

18-Month M&T Select CD

3.85% ▲ 1.03% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.03% above avg

Details

Bank of Bird-in-Hand

Institution Rating:

A+5.0 ★Texas Ratio: 1.79%

309 N Ronks Rd, Bird In Hand, PA 17505

6 or 18 Month CD/IRA

$500

3.85% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.03% above avg

Details

Grove City Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.13%

1 CREDIT UNION WAY, GROVE CITY, PA 16127

18 Month Share Certificates

3.85% ▲ 1.03% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.82%▲ 1.03% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

335 W Butler Ave, Chalfont, PA 18914

18-Month Certificate

3.85% ▲ 1.03% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.03% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

18 Month Certificate

3.82% ▲ 1.00% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.00% above avg

Details

Balance: $75,000 and over

TTNB Turbotville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

4710 State Route 54, Turbotville, PA 17772

18 Month Certificate

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.82%▲ 0.98% above avg

Details

Balance: $500 - $5,000

Bva Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 9.45%

608 Rostraver Rd, Belle Vernon, PA 15012 1941

Share Certificates - 18 Months

$1,000

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.98% above avg

Details

Minimum: $1000

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

18 Month Certificate

3.77% ▲ 0.95% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.95% above avg

Details

Balance: $50,000 - $74,999.99

Armstrong County Building and Loan Association

Institution Rating:

A+5.0 ★Texas Ratio: 6.00%

935 5th Ave, Ford City, PA 16226

18 Month SEP IRA Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.93% above avg

Details

Armstrong County Building and Loan Association

Institution Rating:

A+5.0 ★Texas Ratio: 6.00%

935 5th Ave, Ford City, PA 16226

18 Month Traditional IRA Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.63%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.93% above avg

Details

Iron Workers SB

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

3333 Concord Rd, Aston, PA 19014

18 Month Certificates of Deposit and IRAs

$500

3.75% ▲ 0.93% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.93% above avg

Details

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1727 Chestnut St, Philadelphia, PA 19103

18 Month Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.82%▲ 0.93% above avg

Details

First Peoples Community Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.23%

7026 MASON DIXON HWY, MEYERSDALE, PA 15552 6929

18 Month Certificate Special

3.75% ▲ 0.93% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.93% above avg

Details

Pennstar Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

4139 E State St, Hermitage, PA 16148 3402

18 Month Certificate

3.75% ▲ 0.93% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.93% above avg

Details

Pennsylvania 24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week

View 24-month CD rate trend

The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

First Northern Bank and Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 5.78%

4th Street And Lafayette Avenue, Palmerton, PA 18071

2 Year (24 Month) Adjustable CD

$5,000

4.29% ▲ 1.45% above national avg

View

▼

Rate4.22%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.45% above avg

Details

Open account in person; See details.

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

4099 William Penn Hwy, Monroeville, PA 15146

24-month CD

$1,000

4.25% ▲ 1.41% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.41% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

24 Month Certificate of Deposit

4.22% ▲ 1.38% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.38% above avg

Details

Balance: $100,000.00 and over

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

626 Jacksonville Rd, Warminster, PA 18974 4862

24 Month Share Certificate

4.17% ▲ 1.33% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.33% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

24 Month Certificate of Deposit

4.16% ▲ 1.32% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.32% above avg

Details

Balance: $50,000.00

Priority First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

550 Main St, Brockway, PA 15824

24 Month Share Certificate

$500

4.15% ▲ 1.31% above national avg

View

▼

Rate4.09%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.31% above avg

Details

Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Dividend Period: Account's Term; Rate Type: Fixed

Priority First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

550 Main St, Brockway, PA 15824

IRA Share Certificates 24 month

$500

4.15% ▲ 1.31% above national avg

View

▼

Rate4.09%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.31% above avg

Details

Spirit Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.09%

8535 New Falls Rd, Levittown, PA 19054 1601

2 Year Share Certificate / IRA Certificate

4.15% ▲ 1.31% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.31% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

335 W Butler Ave, Chalfont, PA 18914

Jumbo Certificates - 24-Month

4.15% ▲ 1.31% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.31% above avg

Details

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

4091 Mount Royal Blvd, Allison Park, PA 15101

Business 2 Year CD

4.13% ▲ 1.29% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.29% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

24 Month Certificate

4.10% ▲ 1.26% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.26% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

335 Commerce Dr, Fort Washington, PA 19034 2701

24-month Jumbo Certificate

4.10% ▲ 1.26% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.26% above avg

Details

Community Connect Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.84%

1050 E Spring St, Titusville, PA 16354 7826

24 Months Share Certificate

4.08% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.24% above avg

Details

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

2307 Brown St, Philadelphia, PA 19130

24 Month Certificate

4.08% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.24% above avg

Details

Early Withdrawal Penalty: 3 month interest

Mifflinburg B&T CO.

Institution Rating:

A+5.0 ★Texas Ratio: 5.92%

245 Front St, Northumberland, PA 17857

24 Months CD

$500

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.22% above avg

Details

American Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.26%

4029 W Tilghman St, Allentown, PA 18104

24 Month Certificate

4.05% ▲ 1.21% above national avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.21% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

24 Month Regular Certificates

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.21% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificate 24-Month

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.21% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificates 24-Month

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.21% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1601 Cherry St, Phila, PA 19102 1320

24-month Certificate/IRA

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

335 Commerce Dr, Fort Washington, PA 19034 2701

24-month Bump-Up Certificate

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

335 Commerce Dr, Fort Washington, PA 19034 2701

24-month Bump-Up IRA

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

335 Commerce Dr, Fort Washington, PA 19034 2701

24-month Certificate

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.21% above avg

Details

TruMark Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.57%

335 Commerce Dr, Fort Washington, PA 19034 2701

24-month Fixed-Rate IRA Only

$500

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.21% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

24 Month Certificate of Deposit

4.01% ▲ 1.17% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.17% above avg

Details

Balance: $25,000.00

Peoples Security Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.51%

1901 Sanderson Ave, Scranton, PA 18509

24 Month Pick Your Term

$5,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Term: 24 Month Pick Your Term; Balance: $5,000 or more

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

4099 William Penn Hwy, Monroeville, PA 15146

24 Month Certificate

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Marion Center Bank

Institution Rating:

B4.3 ★Texas Ratio: 12.13%

1271 Indian Springs Rd, Indiana, PA 15701

24 Month Certificate of Deposit

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.16% above avg

Details

Marion Center Bank

Institution Rating:

B4.3 ★Texas Ratio: 12.13%

1271 Indian Springs Rd, Indiana, PA 15701

24 month fixed IRA

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.16% above avg

Details

Quaint Oak Bank

Institution Rating:

A-5.0 ★Texas Ratio: 14.98%

501 Knowles Ave, Southampton, PA 18966

2 Year CD

4.00% ▲ 1.16% above national avg

View

▼

Rate3.87%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.16% above avg

Details

Hatboro Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

221 S York Rd, Hatboro, PA 19040

2 Year CD

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

Top Tier Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

144 Holiday Inn Rd, Clarion, PA 16214

24 Month Term Certificate

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 16, 2026

National Average2.84%▲ 1.16% above avg

Details

No New Money Requirements

Grove City Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.13%

1 CREDIT UNION WAY, GROVE CITY, PA 16127

24 Month Share Certificates - SPECIAL

4.00% ▲ 1.16% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.84%▲ 1.16% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

24 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 24 months

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

APY assumes dividends remain in account.

Franklin Oil Region Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.70%

101 N 13th ST, Franklin, PA 16323 2343

24 Month Share Certificates

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Allegheny Valley Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.05%

250 William Pitt Way, Pittsburgh, PA 15238

2 Year Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

335 W Butler Ave, Chalfont, PA 18914

24-Month Certificate

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Mid Penn Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.25%

29 Main Street, Tremont, PA 17981

2 Year IRA Certificate

3.95% ▲ 1.11% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.11% above avg

Details

Term: 2 years - Fixed rate add on

TTNB Turbotville Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.18%

4710 State Route 54, Turbotville, PA 17772

24 Month Certificate

3.95% ▲ 1.11% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.11% above avg

Details

Balance: $5,000 & over

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

24 Month Regular Certificates

$500

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.11% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificate 24-Month Add-On

$500

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.11% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificates 24-Month Add-On

$500

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.11% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

Jumbo Certificate - 2 Year

$10,000

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.06% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

24 Month Certificate

3.87% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.03% above avg

Details

Balance: $75,000 and over

Milton Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

80 Broadway St, Milton, PA 17847

1 1/2 Year CD

$500

3.85% ▲ 1.01% above national avg

View

▼

Rate3.81%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.01% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

2 Year Jumbo and Jumbo IRA Certificates

3.84% ▲ 1.00% above national avg

View

▼

Rate3.79%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.00% above avg

Details

$100,000 and Above

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

24 Month Certificate

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.98% above avg

Details

Balance: $50,000 - $74,999.99

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

24 Month Certificate

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.98% above avg

Details

IRA Certificate may be opened with $5 minimum deposit.

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

24 Month Share Certificate

$1,000

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.98% above avg

Details

Pennsylvania 36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week

View 36-month CD rate trend

The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month Certificate of Deposit

4.27% ▲ 1.51% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.51% above avg

Details

Balance: $100,000.00 and over

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month IRA CD

4.27% ▲ 1.51% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.51% above avg

Details

Balance: $100,000.00 and over

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month Certificate of Deposit

4.22% ▲ 1.46% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.46% above avg

Details

Balance: $50,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month IRA CD

4.22% ▲ 1.46% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.46% above avg

Details

Balance: $50,000.00

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

4091 Mount Royal Blvd, Allison Park, PA 15101

Business 3 Year CD

4.18% ▲ 1.42% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.42% above avg

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

1001 California Ave, Pittsburgh, PA 15290

3 Years Add-On Certificate

4.15% ▲ 1.39% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.39% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

36 Month Regular Certificates

$1,000

4.10% ▲ 1.34% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.34% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificate 36-Month

$1,000

4.10% ▲ 1.34% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.34% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificates 36-Month

$1,000

4.10% ▲ 1.34% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.34% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month Certificate of Deposit

4.06% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.30% above avg

Details

Balance: $25,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month IRA CD

4.06% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.30% above avg

Details

Balance: $25,000.00

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

3 Year Jumbo and Jumbo IRA Certificates

4.06% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.30% above avg

Details

$100,000 and Above

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

3 Year IRA Certificates

4.01% ▲ 1.25% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.25% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

3 Year Term Certificates

4.01% ▲ 1.25% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.25% above avg

Details

Penalty for early withdrawal.

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

4099 William Penn Hwy, Monroeville, PA 15146

36 Month Certificate

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.24% above avg

Details

Hatboro Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

221 S York Rd, Hatboro, PA 19040

3 Year CD

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.24% above avg

Details

Grove City Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.13%

1 CREDIT UNION WAY, GROVE CITY, PA 16127

36 Month Share Certificates - SPECIAL

4.00% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 12, 2026

National Average2.76%▲ 1.24% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

36 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.24% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 36 months

$500

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.24% above avg

Details

APY assumes dividends remain in account.

Pennstar Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

4139 E State St, Hermitage, PA 16148 3402

36 Month Certificate

4.00% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

36 Month Certificate

3.92% ▲ 1.16% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.16% above avg

Details

Balance: $75,000 and over

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

36 Month Certificate

3.91% ▲ 1.15% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.15% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

36 Month Certificate

3.87% ▲ 1.11% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.11% above avg

Details

Balance: $50,000 - $74,999.99

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

36 Month Certificate

3.87% ▲ 1.11% above national avg

View

▼

Rate3.80%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.11% above avg

Details

IRA Certificate may be opened with $5 minimum deposit.

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

36 Month Share Certificate

$1,000

3.87% ▲ 1.11% above national avg

View

▼

Rate3.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.11% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1601 Cherry St, Phila, PA 19102 1320

36-month Certificate/IRA

3.85% ▲ 1.09% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.09% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

36 Month Certificate

3.82% ▲ 1.06% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.06% above avg

Details

Balance: $500 - $49,999.99

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

36 Month IRA Certificate

3.82% ▲ 1.06% above national avg

View

▼

Rate3.75%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.06% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

36 Month Share Certificate

$1,000

3.82% ▲ 1.06% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.06% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

626 Jacksonville Rd, Warminster, PA 18974 4862

36 Month Share Certificate

3.81% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.05% above avg

Details

Moonlight Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.23%

101 Deer Park Rd, Worthington, PA 16262

36 Month CD

3.80% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.04% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

520 Eagleview Blvd, Exton, PA 19341

36 Month Bonus Certificate

3.80% ▲ 1.04% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.04% above avg

Details

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

2744 Century Blvd, Wyomissing, PA 19610

36 Month Certificates

3.80% ▲ 1.04% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.04% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

36 Month IRA Certificate

3.80% ▲ 1.04% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.04% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

335 W Butler Ave, Chalfont, PA 18914

Jumbo Certificates - 36-Month

3.80% ▲ 1.04% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.04% above avg

Details

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

17 East Ave, Wellsboro, PA 16901

36 Month Jumbo Certificate

3.76% ▲ 1.00% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 1.00% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

36 Month Jumbo Certificate

3.76% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.00% above avg

Details

Jumbo Certificate

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

962 W 20TH ST, Erie, PA 16502 2401

36 Month Certificate

$50,000

3.76% ▲ 1.00% above national avg

View

▼

Rate—

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.00% above avg

Details

Balance: $50,000 min

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

962 W 20TH ST, Erie, PA 16502 2401

36 Month Share Certificates

$50,000

3.76% ▲ 1.00% above national avg

View

▼

Rate3.71%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.00% above avg

Details

Pay monthly into Regular Share Account

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month Certificate of Deposit

3.75% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.99% above avg

Details

Balance: $10,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

36 Month IRA CD

3.75% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.99% above avg

Details

Balance: $10,000.00

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

520 Eagleview Blvd, Exton, PA 19341

36 Month Certificate

$500

3.75% ▲ 0.99% above national avg

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

2001 Museum Rd, Wyomissing, PA 19610 2859

36 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 0.99% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

Jumbo Certificate - 3 Year

$10,000

3.75% ▲ 0.99% above national avg

View

▼

Rate3.68%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 0.99% above avg

Details

Friendly Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.41%

2000 Main St, Aliquippa, PA 15001 2760

3 Years Certificate

$500

3.75% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.76%▲ 0.99% above avg

Details

I B E W LOCAL 56

Institution Rating:

A5.0 ★Texas Ratio: 9.60%

962 W 20TH ST, Erie, PA 16502 2401

36 Month Share Certificates

$25,000

3.73% ▲ 0.97% above national avg

View

▼

Rate3.68%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.97% above avg

Details

Pay monthly into Regular Share Account

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

36 Month Regular Certificate

3.71% ▲ 0.95% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.95% above avg

Details

Regular Certificate

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

36 Month IRA Certificate

3.71% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.95% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

36 Month Share Certificate

$1,000

3.71% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.95% above avg

Details

Kish Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.80%

4255 E Main St, Belleville, PA 17004

36 Month Certificate

3.70% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.94% above avg

Details

Pennsylvania 48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week

View 48-month CD rate trend

The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month Certificate of Deposit

4.37% ▲ 1.60% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.60% above avg

Details

Balance: $100,000.00 and over

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month IRA CD

4.37% ▲ 1.60% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.60% above avg

Details

Balance: $100,000.00 and over

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month Certificate of Deposit

4.32% ▲ 1.55% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.55% above avg

Details

Balance: $50,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month IRA CD

4.32% ▲ 1.55% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.55% above avg

Details

Balance: $50,000.00

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

4091 Mount Royal Blvd, Allison Park, PA 15101

Business 4 Year CD

4.23% ▲ 1.46% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.46% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month Certificate of Deposit

4.16% ▲ 1.39% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.39% above avg

Details

Balance: $25,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month IRA CD

4.16% ▲ 1.39% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.39% above avg

Details

Balance: $25,000.00

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

48 Month Regular Certificates

$1,000

4.15% ▲ 1.38% above national avg

View

▼

Rate4.07%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.38% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificate 48-Month

$1,000

4.15% ▲ 1.38% above national avg

View

▼

Rate4.07%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.38% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificates 48-Month

$1,000

4.15% ▲ 1.38% above national avg

View

▼

Rate4.07%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.38% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

4 Year Jumbo and Jumbo IRA Certificates

4.09% ▲ 1.32% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.32% above avg

Details

$100,000 and Above

Moonlight Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.23%

101 Deer Park Rd, Worthington, PA 16262

48 Month CD

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.29% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

4 Year IRA Certificates

4.04% ▲ 1.27% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.27% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

4 Year Term Certificates

4.04% ▲ 1.27% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.27% above avg

Details

Penalty for early withdrawal.

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

4099 William Penn Hwy, Monroeville, PA 15146

48 Month Certificate

$1,000

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

Armstrong County Building and Loan Association

Institution Rating:

A+5.0 ★Texas Ratio: 6.00%

935 5th Ave, Ford City, PA 16226

3 - 4 Year CD

$500

4.00% ▲ 1.23% above national avg

View

▼

Rate3.87%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.23% above avg

Details

Armstrong County Building and Loan Association

Institution Rating:

A+5.0 ★Texas Ratio: 6.00%

935 5th Ave, Ford City, PA 16226

3 - 4 Year Certificate of Deposit

$500

4.00% ▲ 1.23% above national avg

View

▼

Rate3.87%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 1.23% above avg

Details

Bump-Up: 1

Hatboro Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

221 S York Rd, Hatboro, PA 19040

4 Year CD

$1,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.23% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

48 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.23% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 48 months

$500

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 1.23% above avg

Details

APY assumes dividends remain in account.

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

48 Month Certificate

3.98% ▲ 1.21% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.21% above avg

Details

Balance: $75,000 and over

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

48 Month Certificate

3.92% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.15% above avg

Details

Balance: $50,000 - $74,999.99

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

48 Month Certificate

3.92% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.15% above avg

Details

IRA Certificate may be opened with $5 minimum deposit.

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

48 Month Share Certificate

$1,000

3.92% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.15% above avg

Details

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

48 Month Certificate

3.91% ▲ 1.14% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.14% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

48 Month Certificate

3.87% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.10% above avg

Details

Balance: $500 - $49,999.99

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

48 Month IRA Certificate

3.87% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.10% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

48 Month Share Certificate

$1,000

3.87% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.10% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month Certificate of Deposit

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Balance: $10,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month IRA CD

3.85% ▲ 1.08% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Balance: $10,000.00

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

2744 Century Blvd, Wyomissing, PA 19610

48 Month Certificates

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1601 Cherry St, Phila, PA 19102 1320

48-month Certificate/IRA

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.08% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

48 Month IRA Certificate

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

626 Jacksonville Rd, Warminster, PA 18974 4862

48 Month Share Certificate

3.81% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.04% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

48 Month Jumbo Certificate

3.81% ▲ 1.04% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.04% above avg

Details

Jumbo Certificate

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

17 East Ave, Wellsboro, PA 16901

48 Month Jumbo Certificate

3.76% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.99% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

48 Month Regular Certificate

3.76% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.99% above avg

Details

Regular Certificate

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

48 Month IRA Certificate

3.76% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.99% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

48 Month Share Certificate

$1,000

3.76% ▲ 0.99% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.99% above avg

Details

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1727 Chestnut St, Philadelphia, PA 19103

48 Month Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.98% above avg

Details

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

2001 Museum Rd, Wyomissing, PA 19610 2859

48 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

Jumbo Certificate - 4 Year

$10,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.68%

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.98% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

48 Month IRA Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Balance: $10,000 to $74,999.99

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month Certificate of Deposit

3.70% ▲ 0.93% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.93% above avg

Details

Balance: $1,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

48 Month IRA CD

3.70% ▲ 0.93% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.93% above avg

Details

Balance: $1,000.00

ARC Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1919 7th Ave, Altoona, PA 16602 2237

48 Month Traditional IRA Share Certificate

3.66% ▲ 0.89% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.89% above avg

Details

Citadel Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.63%

520 Eagleview Blvd, Exton, PA 19341

48 Month Bonus Certificate

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.88% above avg

Details

Philadelphia Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.00%

1615 Columbia Blvd, Bloomsburg, PA 17815 8862

4 Year Certificate

$500

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.88% above avg

Details

Americo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

4101 Main St, Erie, PA 16511

48 Month IRA Share Certificate

$500

3.65% ▲ 0.88% above national avg

View

▼

Rate3.65%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Americo Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.30%

4101 Main St, Erie, PA 16511

48 Month Share Certificate

3.65% ▲ 0.88% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Pennsylvania 60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week

View 60-month CD rate trend

The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month Certificate of Deposit

4.42% ▲ 1.58% above national avg

View

▼

Rate4.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.58% above avg

Details

Balance: $100,000.00 and over

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month IRA CD

4.42% ▲ 1.58% above national avg

View

▼

Rate4.35%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.58% above avg

Details

Balance: $100,000.00 and over

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month Certificate of Deposit

4.37% ▲ 1.53% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.53% above avg

Details

Balance: $50,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month IRA CD

4.37% ▲ 1.53% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.53% above avg

Details

Balance: $50,000.00

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

60 month Certificate

4.37% ▲ 1.53% above national avg

View

▼

Rate4.30%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.53% above avg

Details

Balance: $200,000 and over

Enterprise Bank Allison Park, PA

Institution Rating:

F1.0 ★Texas Ratio: 84.39%

4091 Mount Royal Blvd, Allison Park, PA 15101

Business 5 Year CD

4.28% ▲ 1.44% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.44% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month Certificate of Deposit

4.22% ▲ 1.38% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.38% above avg

Details

Balance: $25,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month IRA CD

4.22% ▲ 1.38% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.38% above avg

Details

Balance: $25,000.00

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

60 month Certificate

4.22% ▲ 1.38% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.38% above avg

Details

Balance: $125,000 - $199,999.99

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

60 Month Regular Certificates

$1,000

4.20% ▲ 1.36% above national avg

View

▼

Rate4.12%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.36% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificate 60-Month

$1,000

4.20% ▲ 1.36% above national avg

View

▼

Rate4.12%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.36% above avg

Details

Sun Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.05%

2800 W Passyunk Ave, Philadelphia, PA 19145 5206

IRA Certificates 60-Month

$1,000

4.20% ▲ 1.36% above national avg

View

▼

Rate4.12%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.36% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

60 month Certificate

4.11% ▲ 1.27% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.27% above avg

Details

Balance: $75,000 - $124,999.99

FORGE Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.36%

1402 Bywood Ave, Upper Darby, PA 19082

60 Month Share Certificate

$500

4.10% ▲ 1.26% above national avg

View

▼

Rate4.03%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.26% above avg

Details

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

5 Year Jumbo and Jumbo IRA Certificates

4.08% ▲ 1.24% above national avg

View

▼

Rate4.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.24% above avg

Details

$100,000 and Above

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

5 Year IRA Certificates

4.03% ▲ 1.19% above national avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.19% above avg

Details

Penalty for early withdrawal.

Genisys Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.22%

1510 Dekalb Pike, Blue Bell, PA 19422

5 Year Term Certificates

4.03% ▲ 1.19% above national avg

View

▼

Rate3.97%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.19% above avg

Details

Penalty for early withdrawal.

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

60 month Certificate

4.01% ▲ 1.17% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.17% above avg

Details

Balance: $25,000 - $74,999.99

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

4099 William Penn Hwy, Monroeville, PA 15146

60 Month Certificate

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Journey Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.57%

232 East St, Bloomsburg, PA 17815

9 through 60 month Certificates of Deposit

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: $50,000+

Hatboro Federal Savings

Institution Rating:

A+5.0 ★Texas Ratio: 2.15%

221 S York Rd, Hatboro, PA 19040

5 Year CD

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

60 Month Regular & IRA (Traditional & Roth) Share Certificate

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings

APCI Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.27%

6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Regular & IRA (Traditional & Roth) - 60 months

$500

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

APY assumes dividends remain in account.

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

60 Month Certificate

3.98% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.14% above avg

Details

Balance: $75,000 and over

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

60 Month Certificate

3.97% ▲ 1.13% above national avg

View

▼

Rate3.90%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.13% above avg

Details

IRA Certificate may be opened with $5 minimum deposit.

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

60 Month Share Certificate

$1,000

3.97% ▲ 1.13% above national avg

View

▼

Rate3.90%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.13% above avg

Details

Tendto Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1129 State St, Erie, PA 16501 1911

60 month Certificate

3.96% ▲ 1.12% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.12% above avg

Details

Balance: $1,000 - $24,999.99

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

60 Month Certificate

3.92% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.08% above avg

Details

Balance: $50,000 - $74,999.99

Self Reliance NY Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.19%

2307 Brown St, Philadelphia, PA 19130

60 Month Certificate

3.92% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.08% above avg

Details

Early Withdrawal Penalty: 6 month interest

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

60 Month IRA Certificate

3.92% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.08% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

60 Month Share Certificate

$1,000

3.92% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.08% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month Certificate of Deposit

3.91% ▲ 1.07% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.07% above avg

Details

Balance: $10,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month IRA CD

3.91% ▲ 1.07% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.07% above avg

Details

Balance: $10,000.00

American Heritage Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.83%

2060 Red Lion Rd, Philadelphia, PA 19115 1603

60 Month Certificate

3.91% ▲ 1.07% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.07% above avg

Details

Discovery Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.26%

2744 Century Blvd, Wyomissing, PA 19610

60 Month Certificates

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.06% above avg

Details

MERCK SHARP and DOHME

Institution Rating:

A+5.0 ★Texas Ratio: 1.25%

335 W Butler Ave, Chalfont, PA 18914

Jumbo Certificates - 60-Month

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.06% above avg

Details

Tri County Area Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

1550 Medical Dr, Pottstown, PA 19464 3225

60 Month Certificate

3.87% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.03% above avg

Details

Balance: $500 - $49,999.99

First Heritage Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.87%

17 East Ave, Wellsboro, PA 16901

60 Month Jumbo Certificate

3.87% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.03% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

60 Month Jumbo Certificate

3.86% ▲ 1.02% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.02% above avg

Details

Jumbo Certificate

Second Federal S&L

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

1727 Chestnut St, Philadelphia, PA 19103

60 Month Certificate

3.85% ▲ 1.01% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 1.01% above avg

Details

Ardent Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.06%

1601 Cherry St, Phila, PA 19102 1320

60-month Certificate/IRA

3.85% ▲ 1.01% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.01% above avg

Details

Utilities Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

11 Meridian Blvd, Wyomissing, PA 19610

60 Month IRA Certificate

3.85% ▲ 1.01% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.01% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

60 Month IRA Certificate

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$5

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.98% above avg

Details

Widget Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.14%

2154 E Lake Rd, Erie, PA 16511 1140

60 Month Share Certificate

$1,000

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.98% above avg

Details

Freedom Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.95%

626 Jacksonville Rd, Warminster, PA 18974 4862

60 Month Share Certificate

3.81% ▲ 0.97% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.97% above avg

Details

Diamond Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.60%

1600 Medical Dr, Pottstown, PA 19464 3242

60 Month Regular Certificate

3.81% ▲ 0.97% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.97% above avg

Details

Regular Certificate

Riverfront Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.40%

2001 Museum Rd, Wyomissing, PA 19610 2859

60 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational

3.80% ▲ 0.96% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 0.96% above avg

Details

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month Certificate of Deposit

3.75% ▲ 0.91% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.91% above avg

Details

Balance: $1,000.00

Citizens & Northern Bank C&N

Institution Rating:

A5.0 ★Texas Ratio: 11.32%

423 433 Reuter Boulevard, Towanda, PA 18848

60 Month IRA CD

3.75% ▲ 0.91% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.91% above avg

Details

Balance: $1,000.00

Journey Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.57%

232 East St, Bloomsburg, PA 17815

9 through 60 month Certificates of Deposit

3.75% ▲ 0.91% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.84%▲ 0.91% above avg

Details

Balance: $10,000 - $49,999.99

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Pennsylvania Institutions

Highest verified APYs available today, updated September 21, 2026

B Top 5 Bank Rates

Armstrong County Building and Loan Association

18 Month IRA SEP Certificate

A+ 5.0 ★ TX: 6.00%

Min: $0

4.50%

Citizens & Northern Bank C&N

60 Month Certificate of Deposit

A 5.0 ★ TX: 11.32%

Min: $0

4.42%

First Federal S&L of Greene Co

1 Year Certificate

A+ 5.0 ★ TX: 2.73%

Min: $0

4.35%

First Northern Bank and Trust Company

2 Year (24 Month) Adjustable CD

A+ 5.0 ★ TX: 5.78%

Min: $5,000

4.29%

Enterprise Bank Allison Park, PA

Business 5 Year CD

F 1.0 ★ TX: 84.39%

Min: $0

4.28%

CU Top 5 Credit Union Rates

Tendto Credit Union

60 month Certificate

A+ 5.0 ★ TX: 3.81%

Min: $0

4.37%

Heritage Financial Credit Union

Share/IRA Certificate Special - 12 months

Min: $2,500

4.25%

P.C. Federal Credit Union

6 Month Share Certificate

A- 4.9 ★ TX: 16.24%

Min: $100,000

4.25%

Sun Federal Credit Union

60 Month Regular Certificates

A 5.0 ★ TX: 6.05%

Min: $1,000

4.20%

Freedom Credit Union

24 Month Share Certificate

A+ 5.0 ★ TX: 2.95%

Min: $0

4.17%

Rates verified September 21, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Pennsylvania CD Rate Trends

Compare local Pennsylvania CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Pennsylvania CD Trends

12-Month CD PA Avg

2.952%

▲ 0.030 vs 7 days ago

Pennsylvania 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD PA Avg

2.767%

▲ 0.021 vs 7 days ago

Pennsylvania 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

PA CD Rate Forecast, Next 12 Months

Where are Pennsylvania CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

PA 12-Month Avg APY

2.952%

6-Month Forecast

2.952%

Range: 2.75% – 3.10%

12-Month Forecast

3.202%

Range: 3.00% – 3.35%

What Your Savings Earn at PA CD Rates Today

Annual interest earnings at today’s Pennsylvania average APYs. State average used where available; national average as fallback.

CD Term	PA Avg APY	$5,000	$10,000	$25,000	$50,000
3-Month CD	2.065%	$103.23	$206.46	$516.15	$1,032.30
6-Month CD	2.767%	$138.33	$276.65	$691.63	$1,383.25
12-Month CD	2.952%	$147.58	$295.15	$737.88	$1,475.75
18-Month CD	2.818%	$140.91	$281.82	$704.55	$1,409.10
24-Month CD	2.841%	$142.07	$284.14	$710.35	$1,420.70
36-Month CD	2.765%	$138.25	$276.49	$691.23	$1,382.45
48-Month CD	2.770%	$138.48	$276.97	$692.43	$1,384.85
60-Month CD	2.844%	$142.22	$284.44	$711.10	$1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026.

Sample CD Ladder for Pennsylvania Savers

$25,000 split equally across 5 terms using today’s Pennsylvania average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder

Rung	Term	Deposit	PA Avg APY	Annual Earnings
1	3-Month CD	$5,000	2.065%	$103.23
2	6-Month CD	$5,000	2.767%	$138.33
3	12-Month CD	$5,000	2.952%	$147.58
4	24-Month CD	$5,000	2.841%	$142.07
5	36-Month CD	$5,000	2.765%	$138.25
Total ($25,000 invested)		$25,000	2.678% blended	$669.46/yr

Ladder example uses equal $5,000 rungs and Pennsylvania average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

1,990

CD Rates
Tracked in Pennsylvania

55 Banks 84 Credit Unions

About Our Pennsylvania CD Rate Database

MonitorBankRates tracks 1,990 CD rates from 55 banks and 84 credit unions with locations in Pennsylvania, plus national online institutions available to Pennsylvania residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Armstrong County Building and Loan Association offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Pennsylvania.

How to Find the Best CD Rates in Pennsylvania

What to compare when shopping for a CD in Pennsylvania

To find the best APYs in Pennsylvania, start with credit unions and online-only banks: Pennsylvania has 84 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Pennsylvania

You have a planned expense coming up and want your savings to earn while you wait
You expect rates to fall and want to lock in today’s rate
You want FDIC or NCUA protection with a guaranteed fixed return
You prefer banking with an institution that has a local branch in Pennsylvania: 139 institutions here report CD rates

Consider an Alternative If…

You may need the funds within 30 days. Compare Pennsylvania savings rates instead
Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
You want check-writing access. Compare Pennsylvania money market rates

Pennsylvania Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+

19.5%

National avg: 17.3%

Median Individual Earnings

$46,676

National avg: $47,340

Poverty Rate

11.7%

National avg: 11.1%

Unemployment Rate

5.2%

National avg: 4.8%

CD Earnings on 10% of Salary

$138/yr

At PA 12-mo avg 2.952% APY

19.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s PA 12-month CD average of 2.952%, saving 10% of the local median salary ($4,667/year) and putting it in a CD would earn an additional $138 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Pennsylvania

What to compare when choosing between a CD and other deposit accounts

Feature	CD	High-Yield Savings	Money Market	6-Month CD
Rate Type	Fixed APY	Variable APY	Variable APY	Fixed APY
Liquidity	Locked for term	Anytime	Anytime	Locked 6 months
Early Withdrawal	Penalty (months of interest)	None	None	Penalty (90–180 days interest)
FDIC / NCUA Insured	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)
Check / Debit Access	No	Usually no	Often yes	No
Best For	Known savings goal, CD ladder	Emergency fund, flexible savings	Liquid savings with check-writing	Slightly higher yield, less urgency

How Certificates of Deposit Work in Pennsylvania

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Pennsylvania typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Pennsylvania as everywhere in the U.S.

Choosing a CD Term in Pennsylvania

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Pennsylvania savers easier access to their funds. For example, P.C. Federal Credit Union is offering its 6 Month Share Certificate at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Citizens & Northern Bank C&N is offering its 60 Month Certificate of Deposit at 4.42% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Pennsylvania Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Pennsylvania saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Pennsylvania

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Pennsylvania CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Pennsylvania

Most CDs carry a fixed rate that is locked for the entire term, protecting a Pennsylvania depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Pennsylvania

Are CD rates in Pennsylvania FDIC insured?

Yes, most established banks in Pennsylvania are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Pennsylvania?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Pennsylvania.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Pennsylvania may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Pennsylvania?

Here are recent top rates found for this area:

Armstrong County Building and Loan Association: 4.50% APY (18 Month IRA SEP Certificate)
Citizens & Northern Bank C&N: 4.42% APY (60 Month Certificate of Deposit)
Tendto Credit Union: 4.37% APY (60 month Certificate)
First Federal S&L of Greene Co: 4.35% APY (1 Year Certificate)
First Northern Bank and Trust Company: 4.29% APY (2 Year (24 Month) Adjustable CD)
Enterprise Bank Allison Park, PA: 4.28% APY (Business 5 Year CD)
Crescent Bank: 4.25% APY (24-month CD)
First Keystone Community Bank: 4.25% APY (18 Month Certificate)
Heritage Financial Credit Union: 4.25% APY (Share/IRA Certificate Special - 12 months)
P.C. Federal Credit Union: 4.25% APY (6 Month Share Certificate)

Rates reflect recent verified offers available in Pennsylvania. Last Updated: September 21, 2026

Pennsylvania CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Pennsylvania rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Pennsylvania CD Rates by Term

Verified September 21, 2026 · click a rate to use its term and APY

Highest verified APY per term available in Pennsylvania. Averages shown use the Pennsylvania state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Pennsylvania

Pennsylvania CD Calculator

At today’s PA top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Pennsylvania CD Ladder

PA CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Pennsylvania CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Pennsylvania’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pennsylvania CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Pennsylvania directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Pennsylvania. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in PA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 21, 2026