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CD Rate Trends

Altoona, Pennsylvania Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Altoona, Pennsylvania CD rates range from 0.10% to 4.81% APY, verified by MonitorBankRates as of October 14, 2026. Current Altoona, Pennsylvania CD rates include ARC Federal Credit UnionARC Federal Credit Union1919 7th Ave, Altoona, PA 16602 2237A+5.0 ★Texas Ratio: 5.00%Real return: +1.64%APY minus CPI (February 2026) offering 60 Month Traditional IRA Share Certificate at 4.44% APY, Northwest Bank Warren, PANorthwest Bank Warren, PA413 S Logan Blvd, Altoona, PA 16602A+5.0 ★Texas Ratio: 3.99%Real return: +1.20%APY minus CPI (February 2026) offering 12-month CD at 4.00% APY, M&T BankM&T Bank301 W Plank Rd, Altoona, PA 16602A+5.0 ★Texas Ratio: 4.11%Real return: +1.05%APY minus CPI (February 2026) offering 18 MONTH SELECT Certificate of Deposit at 3.85% APY, Kish BankKish Bank615 Pleasant Valley Blvd, Altoona, PA 16601A+5.0 ★Texas Ratio: 5.78%Real return: +1.05%APY minus CPI (February 2026) offering 24 Month Certificate at 3.85% APY, and Investment Savings BankInvestment Savings Bank900 S 16th St, Altoona, PA 16602A+5.0 ★Texas Ratio: 0.27%Real return: +0.99%APY minus CPI (February 2026) offering 18 Month Certificate of Deposit at 3.79% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Altoona has 96 local institutions in our database, with CD rates as high as 4.44% APY from ARC Federal Credit Union at 1919 7th Ave, Altoona, PA 16602 2237. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Pennsylvania area. 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: October 14, 2026

Compare Best CD Rates in Altoona, Pennsylvania & the Surrounding Area

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Altoona 3 Month CD Rates

Pennsylvania 3 Month CD Average1.79% APYNational 2.09%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
3 Month Certificate
$0
3.75% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.96% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
208 W Plank Rd, Altoona, PA 16602
3 Month CD
$1,000
3.25% ▲ 1.46% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.46% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
3 Month Certificate of Deposit (CD) Account
$1,000
0.15% ▼ 1.64% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.79%▼ 1.64% below avgNationally 2.09%
Details

Compounding Frequency: Maturity

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Business Certificates
$0
4.00% ▲ 2.21% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.21% above avgNationally 2.09%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Month Share & IRA Share Certificate
$500
4.00% ▲ 2.21% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.21% above avgNationally 2.09%
Details

Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share/IRA Certificate - 3 Months
$500
4.00% ▲ 2.21% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 2.21% above avgNationally 2.09%
Details

$500 minimum deposit to open account and earn APY

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Regular & IRA Certificate
$500
3.90% ▲ 2.11% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.11% above avgNationally 2.09%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 3 months
$500
3.90% ▲ 2.11% above Pennsylvania avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 2.11% above avgNationally 2.09%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 14, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
90 Day CD
$0
3.80% ▲ 2.01% above Pennsylvania avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 2.01% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 MONTH CD
$5,000
3.75% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.96% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Traditional Preferred Certificates
$0
3.75% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.96% above avgNationally 2.09%
Details

Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates of Deposit - Jumbo CDs
$0
3.71% ▲ 1.92% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.92% above avgNationally 2.09%
Details

Jumbo CDs (Above $75,000); no additional deposits after opening; penalty for early withdrawal; certificate renews automatically

Rate History
No change since Oct 13, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 13, 2026: 3.71% APYOct 13, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit
$500
3.71% ▲ 1.92% above Pennsylvania avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.92% above avgNationally 2.09%
Details

Jumbo CD (Above $75,000)

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.71% ▼ 0.05 pts · high 3.76% / low 3.71%
3.21%3.74%4.26%Sep 14, 2026: 3.76% APYOct 13, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.71%▼ from 3.76%
  • Sep 14, 20263.76%first recorded
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
3-Month Certificate
$0
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

APY up to; Share Certificates require a minimum balance of $500.00 to earn the stated APY; Regular and IRA Certificates

Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 14, 2026
CACL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
IRA Certificate - 3 Months
$500
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

As of November 6, 2025; dividend rate and APY fixed for the term of the account

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 14, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.70% ▲ 1.91% above Pennsylvania avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.91% above avgNationally 2.09%
Details

Balance: $75,000.00 and over

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month IRA Certificates of Deposit - Regular CDs
$500
3.67% ▲ 1.88% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.88% above avgNationally 2.09%
Details

Minimum deposit of $500 required to open a Certificate of Deposit; no additional deposits after opening; penalty for early withdrawal; certificate renews automatically

Rate History
No change since Oct 13, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 14, 2026
Hidden River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Share Certificate of Deposit
$500
3.67% ▲ 1.88% above Pennsylvania avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.88% above avgNationally 2.09%
Details

Regular CD

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.67% ▼ 0.09 pts · high 3.76% / low 3.67%
3.17%3.72%4.26%Sep 14, 2026: 3.76% APYOct 13, 2026: 3.67% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.67%▼ from 3.76%
  • Sep 14, 20263.76%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 3 Month
$0
3.65% ▲ 1.86% above Pennsylvania avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational
$0
3.65% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Nonpreferred; APY fixed to maturity; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Traditional Nonpreferred Certificates - 3 months
$0
3.65% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.86% above avgNationally 2.09%
Details

Nonpreferred Certificates: Regular, Traditional IRA, Roth IRA, Educational; APY fixed to maturity

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificate of Deposit
$0
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Meridian Bank
Institution Rating:
C3.9 ★Texas Ratio: 27.97%
3 Month CD
$500
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 15, 2026: 3.60% APYSep 15, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.60% ▲ 1.81% above Pennsylvania avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.81% above avgNationally 2.09%
Details

Balance: $10,000.00 - $74,999.99

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3 Month Bonus Certificate
$75,000
3.55% ▲ 1.76% above Pennsylvania avg
View
▼
Rate3.50%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.76% above avgNationally 2.09%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
3 Month Certificate
$500
3.50% ▲ 1.71% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.71% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Top Tier Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Share Certificate
$500
3.50% ▲ 1.71% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.71% above avgNationally 2.09%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Sun East Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.77%
3 Month Regular / IRA
$500
3.50% ▲ 1.71% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.71% above avgNationally 2.09%
Details

Regular / IRA

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3 Month Jumbo Certificate
$10,000
3.50% ▲ 1.71% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.71% above avgNationally 2.09%
Details

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 3 MONTH
$0
3.50% ▲ 1.71% above Pennsylvania avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.71% above avgNationally 2.09%
Details

Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Certificate of Deposit - 3 mos
$500
3.50% ▲ 1.71% above Pennsylvania avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.71% above avgNationally 2.09%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
3-month Certificate
$500
3.45% ▲ 1.66% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Business 3-month Certificate
$500
3.45% ▲ 1.66% above Pennsylvania avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.66% above avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 9, 2026: 3.45% APYOct 9, 2026Oct 14, 2026
Brentwood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
3 Month Certificate of Deposit and IRA
$2,000
3.40% ▲ 1.61% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.61% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 14, 2026
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
90 Day Jumbo Share Certificate
$75,000
3.31% ▲ 1.52% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average1.79%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.31% APY · checked 6 times
2.81%3.31%3.81%Sep 14, 2026: 3.31% APYSep 14, 2026Oct 14, 2026
County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$0
3.25% ▲ 1.46% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.46% above avgNationally 2.09%
Details

Compounded Daily

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25% ▲ 1.46% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average1.79%▲ 1.46% above avgNationally 2.09%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
3 Month IRA Certificate
$500
3.14% ▲ 1.35% above Pennsylvania avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.35% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
2.64%3.14%3.64%Oct 8, 2026: 3.14% APYOct 8, 2026Oct 14, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
3 Months - Tier account
$1,000
3.10% ▲ 1.31% above Pennsylvania avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.79%▲ 1.31% above avgNationally 2.09%
Details

Daily Balances of: $50,000.00-2,000,000.00

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
IRA - 3 Months - Tier account
$1,000
3.10% ▲ 1.31% above Pennsylvania avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.79%▲ 1.31% above avgNationally 2.09%
Details

Daily Balances of: $50,000.00-2,000,000.00

Rate History
No change since Sep 11, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 11, 2026: 3.10% APYSep 11, 2026Oct 14, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month IRA Certificate
$1,000
3.05% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.26% above avgNationally 2.09%
Details

IRA Certificate; $1,000 Minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 4, 2026: 3.05% APYSep 16, 2026Oct 14, 2026
  • Oct 4, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Jumbo Certificates - 3 month
$50,000
3.05% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.01%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average1.79%▲ 1.26% above avgNationally 2.09%
Details

Jumbo Certificate; $50,000 minimum

Rate History
1 change since Sep 16, 2026 · 2.80% → 3.05% ▲ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 16, 2026: 2.80% APYOct 12, 2026: 3.05% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20263.05%▲ from 2.80%
  • Sep 16, 20262.80%first recorded
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Fixed Rate of Return - 3 Month
$2,500
3.00% ▲ 1.21% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average1.79%▲ 1.21% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
3 Months - Tier account
$1,000
3.00% ▲ 1.21% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.79%▲ 1.21% above avgNationally 2.09%
Details

Daily Balances of: $10,000.00-49,999.99

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
IRA - 3 Months - Tier account
$1,000
3.00% ▲ 1.21% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.79%▲ 1.21% above avgNationally 2.09%
Details

Daily Balances of: $10,000.00-49,999.99

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 14, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
3 Months - Tier account
$1,000
2.90% ▲ 1.11% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.79%▲ 1.11% above avgNationally 2.09%
Details

Daily Balances of: up to $9,999.99

Rate History
No change since Oct 7, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 7, 2026: 2.90% APYOct 7, 2026Oct 14, 2026
Elderton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
IRA - 3 Months - Tier account
$1,000
2.90% ▲ 1.11% above Pennsylvania avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average1.79%▲ 1.11% above avgNationally 2.09%
Details

Daily Balances of: up to $9,999.99

Rate History
No change since Sep 11, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 11, 2026: 2.90% APYSep 11, 2026Oct 14, 2026

Altoona 6 Month CD Rates

Pennsylvania 6 Month CD Average2.77% APYNational 2.77%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
6 Month Share Certificate
$0
3.81% ▲ 1.04% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.04% above avgNationally 2.77%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30%
2.78%3.56%4.33%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.82%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
6 Month Certificate
$0
3.65% ▲ 0.88% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 0.88% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
208 W Plank Rd, Altoona, PA 16602
6 Month CD
$1,000
3.50% ▲ 0.73% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 0.73% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
6 Month Certificate
$0
2.00% ▼ 0.77% below Pennsylvania avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 0.77% below avgNationally 2.77%
Details

6 month certificates renew automatically unless CU is advised otherwise

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
6 Month Certificate
$500
0.75% ▼ 2.02% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.77%▼ 2.02% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
6 Month Certificate of Deposit
$0
0.15% ▼ 2.62% below Pennsylvania avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▼ 2.62% below avgNationally 2.77%
Details

Balance: $500.00

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
6 Month Certificate of Deposit (CD) Account
$1,000
0.10% ▼ 2.67% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▼ 2.67% below avgNationally 2.77%
Details

Compounding Frequency: Maturity

Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
6 Month IRA Certificate
$100
0.10% ▼ 2.67% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▼ 2.67% below avgNationally 2.77%
Details

Compounding Frequency: Maturity

Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
6 Month Share Certificate - Level 6
$100,000
4.25% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 1.48% above avgNationally 2.77%
Details

Level 6; Balance: $100000.00 to open; $100000.00 to obtain disclosed APY

Rate History
No change since Oct 14, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 14, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
6 Month CD
$1,000
4.20% ▲ 1.43% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.43% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
6 Month Certificate
$0
4.14% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.37% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 3 months interest

Rate History
No change since Sep 19, 2026 · 4.14% APY · checked 7 times
3.64%4.14%4.64%Sep 19, 2026: 4.14% APYSep 19, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 6 Month CD
$0
4.13% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.36% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 24, 2026: 4.02% APYOct 8, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.13%▲ from 4.02%
  • Sep 24, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 Month CD
$0
4.12% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.77%▲ 1.35% above avgNationally 2.77%
Details

Rate History
No change since Oct 9, 2026 · 4.12% APY · checked 3 times
3.62%4.12%4.62%Oct 9, 2026: 4.12% APYOct 9, 2026Oct 14, 2026
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Certificates of Deposit - Regular and IRAs
$10,000
4.10% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.06%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▲ 1.33% above avgNationally 2.77%
Details

New Money

Rate History
No change since Oct 11, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 11, 2026: 4.10% APYOct 11, 2026Oct 14, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
6 Month Certificate
$0
4.10% ▲ 1.33% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▲ 1.33% above avgNationally 2.77%
Details

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 14, 2026
P.C. Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.60%
6 Month Share Certificate - Level 6
$100,000
4.10% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 1.33% above avgNationally 2.77%
Details

Level 6; Balance: $100000.00 to open; $100000.00 to obtain disclosed APY

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
6 Month Certificate of Deposit
$0
4.05% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.28% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 8, 2026: 4.05% APYOct 8, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Regular & IRA Certificate
$500
4.05% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.28% above avgNationally 2.77%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 6 months
$500
4.05% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.28% above avgNationally 2.77%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 14, 2026
MERCER COUNTY COMMUNITY
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 MONTH CD
$500
4.04% ▲ 1.27% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 1.27% above avgNationally 2.77%
Details

Certificate Rates effective October 13, 2026

Rate History
1 change since Sep 30, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 30, 2026: 3.79% APYOct 1, 2026: 4.04% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20264.04%▲ from 3.79%
  • Sep 30, 20263.79%first recorded
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Business Certificates
$0
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Share & IRA Share Certificate
$500
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month Jumbo Certificate
$10,000
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.92%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
Citymark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share and IRA Certificates (CDs) - 6-Month Promo (new money only)
$0
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Balance: $500 - $500; New money only

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Mountain Laurel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Honors Certificate
$0
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6-Month IRA Certificate
$1,000
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Rates as of March 30, 2026; Dividends Paid Quarterly

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Timberland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6-Month Share Certificate
$1,000
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Rates as of March 30, 2026; Dividends Paid Quarterly

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Lehigh Valley Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Share/IRA Certificate - 6 Months
$500
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

$500 minimum deposit to open account and earn APY

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
UFCW COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Share Certificate - 6 Months
$500
4.00% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.77%▲ 1.23% above avgNationally 2.77%
Details

Minimum deposit to earn APY: $500; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificates of Deposit - 6 months
$500
3.99% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.22% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.99% APY
3.49%3.99%4.49%Oct 12, 2026: 3.99% APYOct 12, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6 Month Certificate of Deposit
$0
3.96% ▲ 1.19% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.19% above avgNationally 2.77%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 18, 2026: 3.80% APYOct 7, 2026: 3.96% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.96%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
UNB Bank
Institution Rating:
B+4.0 ★Texas Ratio: 1.11%
6 Month Certificate
$1,000
3.95% ▲ 1.18% above Pennsylvania avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.18% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 24, 2026: 3.95% APYSep 24, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 6 Month
$500
3.92% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.15% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 6 Month
$500
3.92% ▲ 1.15% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.15% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6 Month Certificate of Deposit
$0
3.91% ▲ 1.14% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.14% above avgNationally 2.77%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75%
3.25%3.83%4.41%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.91%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
SARCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
6 Month Certificate Special
$5,000
3.91% ▲ 1.14% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.14% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 14, 2026
RS Bellco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
6 Month Share Certificate
$0
3.90% ▲ 1.13% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.13% above avgNationally 2.77%
Details

Posting: Monthly

Rate History
No change since Oct 8, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 8, 2026: 3.90% APYOct 8, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
6 Month Jumbo Certificate
$0
3.86% ▲ 1.09% above Pennsylvania avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.09% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 12, 2026: 3.86% APYOct 12, 2026Oct 14, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Certificate of Deposit
$0
3.85% ▲ 1.08% above Pennsylvania avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.08% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Account 6 Month Pick Your Term
$5,000
3.85% ▲ 1.08% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.08% above avgNationally 2.77%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
6 Month Certificate
$5,000
3.85% ▲ 1.08% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.08% above avgNationally 2.77%
Details

Balance: $5,000 & over

Rate History
1 change since Sep 20, 2026 · 3.90% → 3.85% ▼ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 20, 2026: 3.90% APYOct 8, 2026: 3.85% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20263.85%▼ from 3.90%
  • Sep 20, 20263.90%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 6 Month
$0
3.85% ▲ 1.08% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.08% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
United Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Share & IRA Certificates of Deposit - 6 Months
$0
3.82% ▲ 1.05% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.05% above avgNationally 2.77%
Details

Substantial Penalty For Early Withdrawal

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 Month CD Rate Comparison
$0
3.80% ▲ 1.03% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.77%▲ 1.03% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 14, 2026
Westmoreland Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Certificates of Deposit - Regular and IRAs
$1,000
3.80% ▲ 1.03% above Pennsylvania avg
View
▼
Rate3.77%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.77%▲ 1.03% above avgNationally 2.77%
Details

Rate History
No change since Oct 11, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 11, 2026: 3.80% APYOct 11, 2026Oct 14, 2026
WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
In Branch Specials - 6 Month CD
$5,000
3.80% ▲ 1.03% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.03% above avgNationally 2.77%
Details

In Branch Special; In Branch Only; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Mon Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6 Month Share Certificate
$0
3.80% ▲ 1.03% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.03% above avgNationally 2.77%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 14, 2026
Riverfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6 Month Traditional Preferred Certificates
$0
3.80% ▲ 1.03% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.77%▲ 1.03% above avgNationally 2.77%
Details

Regular, Traditional IRA, Roth IRA, Education Savings; APY fixed to maturity; early withdrawal penalty applies

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Certificates of Deposit - 6 Month
$0
3.80% ▲ 1.03% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.77%▲ 1.03% above avgNationally 2.77%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026

Altoona 12 Month CD Rates

Pennsylvania 12 Month CD Average2.96% APYNational 2.99%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
413 S Logan Blvd, Altoona, PA 16602
12-month CD
$0
4.00% ▲ 1.04% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Open online today.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
12 Month Traditional IRA Share Certificate
$0
3.97% ▲ 1.01% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 1.01% above avgNationally 2.99%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45%
2.94%3.71%4.49%Sep 14, 2026: 3.45% APYOct 9, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.97%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
12 Month Share Certificate
$0
3.87% ▲ 0.91% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 0.91% above avgNationally 2.99%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.87% ▲ 0.52 pts · high 3.87% / low 3.35%
2.83%3.61%4.38%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.87%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
12 Month Certificate
$0
3.65% ▲ 0.69% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 0.69% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
1 Year Certificate of Deposit
$0
3.52% ▲ 0.56% above Pennsylvania avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 0.56% above avgNationally 2.99%
Details

Balance: $500.00

Rate History
1 change since Sep 20, 2026 · 3.40% → 3.52% ▲ 0.12 pts · high 3.52% / low 3.40%
2.90%3.46%4.02%Sep 20, 2026: 3.40% APYOct 8, 2026: 3.52% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20263.52%▲ from 3.40%
  • Sep 20, 20263.40%first recorded
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
208 W Plank Rd, Altoona, PA 16602
12 Month CD
$500
3.50% ▲ 0.54% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2035 Broad Ave, Altoona, PA 16601
1 Year Online CD
$0
3.25% ▲ 0.29% above Pennsylvania avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 0.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
IRA 12 Month Certificate
$0
3.00% ▲ 0.04% above Pennsylvania avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 0.04% above avgNationally 2.99%
Details

Includes Traditional IRA, Roth IRA, & Coverdell ESA

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
12-Month Variable Rate CD
$0
2.52% ▼ 0.44% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▼ 0.44% below avgNationally 2.99%
Details

Compounding Frequency: Quarterly; Balance: $100,000 and over

Rate History
No change since Sep 24, 2026 · 2.52% APY · checked 5 times
2.02%2.52%3.02%Sep 24, 2026: 2.52% APYSep 24, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
12-Month Variable Rate CD
$0
2.02% ▼ 0.94% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▼ 0.94% below avgNationally 2.99%
Details

Compounding Frequency: Quarterly; Balance: $50,000 - $99,999.99

Rate History
No change since Sep 24, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 24, 2026: 2.02% APYSep 24, 2026Oct 14, 2026
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
12 Month Certificate
$0
2.00% ▼ 0.96% below Pennsylvania avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 0.96% below avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
12 Month Certificate
$500
1.36% ▼ 1.60% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▼ 1.60% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 7 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
12-Month Variable Rate CD
$0
1.26% ▼ 1.70% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▼ 1.70% below avgNationally 2.99%
Details

Compounding Frequency: Quarterly; Balance: $25,000 - $49,999.99

Rate History
No change since Sep 24, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 24, 2026: 1.26% APYSep 24, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
12-Month Variable Rate CD
$0
1.00% ▼ 1.96% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▼ 1.96% below avgNationally 2.99%
Details

Compounding Frequency: Quarterly; Balance: $10,000 - $24,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
12 Month Certificate
$1,000
1.00% ▼ 1.96% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.96% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
12 Month IRA Certificates
$10
1.00% ▼ 1.96% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 1.96% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
12-Month Variable Rate CD
$0
0.50% ▼ 2.46% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▼ 2.46% below avgNationally 2.99%
Details

Compounding Frequency: Quarterly; Balance: $1,000 - $9,999.99

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
12 Month Certificate of Deposit
$0
0.25% ▼ 2.71% below Pennsylvania avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 2.71% below avgNationally 2.99%
Details

Term: 12 Month Variable Rate; Balance: $25,000.00 & Up

Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
12 Month Certificate of Deposit
$0
0.20% ▼ 2.76% below Pennsylvania avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 2.76% below avgNationally 2.99%
Details

Term: 12 Month Variable Rate; Balance: $10,000.00 - $24,999.99

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
12 Month Certificate of Deposit (CD) Account
$1,000
0.15% ▼ 2.81% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▼ 2.81% below avgNationally 2.99%
Details

Compounding Frequency: Maturity

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
12 Month IRA Certificate
$100
0.15% ▼ 2.81% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▼ 2.81% below avgNationally 2.99%
Details

Compounding Frequency: Maturity

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
12 Month Certificate of Deposit
$0
0.15% ▼ 2.81% below Pennsylvania avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▼ 2.81% below avgNationally 2.99%
Details

Term: 12 Month Variable Rate; Balance: $1,000.00 - $9,999.99

Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 14, 2026
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
1 Year (12 Month) Adjustable CD
$5,000
4.44% ▲ 1.48% above Pennsylvania avg
View
▼
Rate4.37%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.48% above avgNationally 2.99%
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.09% → 4.44% ▲ 0.35 pts · high 4.44% / low 4.09%
3.59%4.27%4.94%Sep 19, 2026: 4.09% APYOct 7, 2026: 4.44% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.44%▲ from 4.09%
  • Sep 19, 20264.09%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.96%▲ 1.39% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
First Federal S&L of Greene Co
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
1 Year Certificate
$0
4.35% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.39% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 3 months interest

Rate History
No change since Sep 19, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 19, 2026: 4.35% APYSep 19, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 1 Year CD
$0
4.33% ▲ 1.37% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.37% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.13% APYOct 8, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.33%▲ from 4.13%
  • Sep 24, 20264.13%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Share Certificate
$50,000
4.30% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.96%▲ 1.34% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 18, 2026: 4.10% APYOct 14, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.30%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1 Year IRA Certificate
$500
4.28% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.32% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 4.07% → 4.28% ▲ 0.21 pts · high 4.28% / low 4.07%
3.57%4.18%4.78%Sep 19, 2026: 4.07% APYOct 7, 2026: 4.28% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.28%▲ from 4.07%
  • Sep 19, 20264.07%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 Month Certificate of Deposit
$0
4.27% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.31% above avgNationally 2.99%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.27% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.27%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Penlanco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
SPECIAL: 12 months or more new money
$50,000
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

$50,000; New Money

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 12-Month
$500
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 12, 2026: 3.85% APYSep 20, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 20, 20264.00%▲ from 3.85%
  • Sep 12, 20263.85%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 12-Month
$500
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 12, 2026: 3.85% APYOct 8, 2026: 4.25% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.25%▲ from 3.85%
  • Sep 12, 20263.85%first recorded
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
1-Year CD Special
$1,000
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Limited time offer; dividends posted annually; offer may end without notice

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
North Districts Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Certificates of Deposit - 1 Year - Promo
$1,000
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Promotional rate

Rate History
No change since Oct 13, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 14, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 1 Year Starter Add-On
$0
4.25% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Balance: $1 - $1,000; Traditional, Roth & Coverdell Education; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Early withdrawal penalty applies; Must have a Regular IRA Savings Account in order to open; Limit One Per Member Under 18 Years of Age

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 Month Certificate of Deposit
$0
4.22% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.26% above avgNationally 2.99%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.22% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1 Year Ladder CD
$10,000
4.22% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.96%▲ 1.26% above avgNationally 2.99%
Details

Kicker rate valid for initial term only; requires three CDs with staggered terms (CD Ladder), like ownership; IRAs excluded; early withdrawal penalties may apply

Rate History
No change since Oct 14, 2026 · 4.22% APY
3.72%4.22%4.72%Oct 14, 2026: 4.22% APYOct 14, 2026Oct 14, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1 Year Certificate
$500
4.20% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.96%▲ 1.24% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 19, 2026: 4.00% APYOct 7, 2026: 4.20% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.20%▲ from 4.00%
  • Sep 19, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 12 Month (IRA Certificate)
$0
4.20% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.24% above avgNationally 2.99%
Details

IRA Certificate

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Share Certificate
$25,000
4.20% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.11%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.96%▲ 1.24% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.20%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 Month CD
$0
4.17% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.96%▲ 1.21% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.17% APY · checked 3 times
3.67%4.17%4.67%Oct 9, 2026: 4.17% APYOct 9, 2026Oct 14, 2026
Quaint Oak Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.98%
12 Month Certificate
$0
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 3, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 3, 2026: 4.15% APYOct 3, 2026Oct 14, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Business Certificates
$0
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 12, 2026: 4.15% APYSep 12, 2026Oct 14, 2026
People First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Share & IRA Share Certificate
$500
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Dividend rates and APYs effective August 5, 2026; Penalty for early withdrawal; IRA rates include Traditional, Roth, and Education IRAs

Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Regular & IRA Certificate
$500
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 12 months
$500
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 14, 2026
Omega Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
12 Month Share Certificate
$0
4.15% ▲ 1.19% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.96%▲ 1.19% above avgNationally 2.99%
Details

As High As; Homepage featured certificate rate ("lock in a great rate!")

Rate History
No change since Oct 1, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 1, 2026: 4.15% APYOct 1, 2026Oct 14, 2026
Slovenian S&L of Canonsburg
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
12 Month Certificate
$1,000
4.14% ▲ 1.18% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.18% above avgNationally 2.99%
Details

Penalty for early withdrawal: 3 mos. interest loss whether earned or not

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.14% ▲ 0.14 pts · high 4.14% / low 4.00%
3.50%4.07%4.64%Sep 14, 2026: 4.00% APYOct 12, 2026: 4.14% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.14%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
12 Month Certificate
$5,000
4.10% ▲ 1.14% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Balance: $5,000 & over

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.10% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20264.10%▲ from 4.00%
  • Sep 20, 20264.00%first recorded

Altoona 18 Month CD Rates

Pennsylvania 18 Month CD Average2.99% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
18 Month Share Certificate
$0
3.92% ▲ 0.93% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 0.93% above avgNationally 2.88%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.92% ▲ 0.52 pts · high 3.92% / low 3.40%
2.89%3.66%4.44%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.92%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
301 W Plank Rd, Altoona, PA 16602
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
301 W Plank Rd, Altoona, PA 16602
18-Month M&T Select CD
$0
3.85% ▲ 0.86% above Pennsylvania avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
18 Month Certificate of Deposit
$0
3.79% ▲ 0.80% above Pennsylvania avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 0.80% above avgNationally 2.88%
Details

Balance: $500.00

Rate History
1 change since Sep 20, 2026 · 3.02% → 3.79% ▲ 0.77 pts · high 3.79% / low 3.02%
2.25%3.41%4.56%Sep 20, 2026: 3.02% APYOct 8, 2026: 3.79% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20263.79%▲ from 3.02%
  • Sep 20, 20263.02%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
18 Month Certificate
$0
3.65% ▲ 0.66% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
18-Month UnCD
$10,000
3.35% ▲ 0.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.36% above avgNationally 2.88%
Details

UnCD

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
18-Month Business UnCD
$0
3.10% ▲ 0.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 0.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
18-Month Variable
$100
2.51% ▼ 0.48% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▼ 0.48% below avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.26% → 2.51% ▲ 0.25 pts · high 2.51% / low 2.26%
1.76%2.39%3.01%Sep 18, 2026: 2.26% APYSep 24, 2026: 2.51% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20262.51%▲ from 2.26%
  • Sep 18, 20262.26%first recorded
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
18 Month Certificate
$0
2.00% ▼ 0.99% below Pennsylvania avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 0.99% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
18 Month Certificate
$500
1.46% ▼ 1.53% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.99%▼ 1.53% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.46% APY · checked 7 times
0.96%1.46%1.96%Sep 14, 2026: 1.46% APYSep 14, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
IRA Traditional / Roth - 18 Month Term CD
$500
1.46% ▼ 1.53% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.99%▼ 1.53% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.46% APY · checked 7 times
0.96%1.46%1.96%Sep 14, 2026: 1.46% APYSep 14, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
18 Month Certificate
$1,000
1.00% ▼ 1.99% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.99% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
18 Month IRA Certificates
$10
1.00% ▼ 1.99% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 1.99% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
Individual Retirement Accounts (Variable Rate) - 18 Month
$10
0.75% ▼ 2.24% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▼ 2.24% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
18 Month Certificate of Deposit (CD) Account
$1,000
0.20% ▼ 2.79% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.99%▼ 2.79% below avgNationally 2.88%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
18 Month IRA Certificate
$100
0.20% ▼ 2.79% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.99%▼ 2.79% below avgNationally 2.88%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 14, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month IRA Certificates SEP
$0
4.50% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
18 Month IRA Certificates Traditional
$0
4.50% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
18 Month CD
$1,000
4.40% ▲ 1.41% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.37% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.38% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 18 MONTH
$0
4.35% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 1.36% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month IRA Certificate
$500
4.33% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.61% → 4.33% ▲ 0.72 pts · high 4.33% / low 3.61%
2.89%3.97%5.05%Sep 19, 2026: 3.61% APYOct 7, 2026: 4.33% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.33%▲ from 3.61%
  • Sep 19, 20263.61%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.32% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.33% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.32%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 18-Month
$500
4.30% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 4, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.30%▲ from 4.05%
  • Sep 20, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 18-Month
$500
4.30% ▲ 1.31% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
First Keystone Community Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
18 Month Certificate
$1,000
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
18 month Certificate of Deposit
$0
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Sewickley Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Certificate
$500
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55%
2.85%3.90%4.95%Sep 19, 2026: 3.55% APYOct 7, 2026: 4.25% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.25%▲ from 3.55%
  • Sep 19, 20263.55%first recorded
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Regular & IRA Certificate
$500
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 18 months
$500
4.25% ▲ 1.26% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
18 Month Certificate
$1,000
4.22% ▲ 1.23% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 1.23% above avgNationally 2.88%
Details

Certificate Special

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60%
2.98%3.91%4.84%Sep 14, 2026: 3.60% APYOct 9, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.22%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Certificate Special - 18 Months
$1,000
4.22% ▲ 1.23% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.60% → 4.22% ▲ 0.62 pts · high 4.22% / low 3.60%
2.98%3.91%4.84%Oct 5, 2026: 3.60% APYOct 13, 2026: 4.22% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20264.22%▲ from 3.60%
  • Oct 5, 20263.60%first recorded
Ingersoll Rand Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Share Certificate - 18 Month
$1,000
4.22% ▲ 1.23% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.99%▲ 1.23% above avgNationally 2.88%
Details

IRA Share Certificate

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.22% ▲ 0.47 pts · high 4.22% / low 3.75%
3.25%3.99%4.72%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.22%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 Month CD
$0
4.22% ▲ 1.23% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.99%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 9, 2026: 4.22% APYOct 9, 2026Oct 14, 2026
TTNB Turbotville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
18 Month Certificate
$5,000
4.20% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.14%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.21% above avgNationally 2.88%
Details

Balance: $5,000 & over

Rate History
1 change since Sep 20, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 20, 2026: 4.00% APYOct 8, 2026: 4.20% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20264.20%▲ from 4.00%
  • Sep 20, 20264.00%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 18 Month (Legacy Club)
$0
4.20% ▲ 1.21% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.21% above avgNationally 2.88%
Details

Legacy Club

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.16% ▲ 1.17% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.17% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
3.51%4.09%4.66%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.16% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.16%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.16% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 1.16% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 1.11% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 18 Month
$0
4.10% ▲ 1.11% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.10% ▲ 0.19 pts · high 4.10% / low 3.91%
3.41%4.01%4.60%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.10%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 18 Month
$500
4.08% ▲ 1.09% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.09% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 18 Month
$500
4.08% ▲ 1.09% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.09% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 14, 2026
Citizens Savings Bank Clarks Summit, PA
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12, 15, or 18-Month CDs
$0
4.07% ▲ 1.08% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.99%▲ 1.08% above avgNationally 2.88%
Details

APY is effective as of the date shown. Rates may change after account opening. Contact institution for details.

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 Month CD
$0
4.05% ▲ 1.06% above Pennsylvania avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.06% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 14, 2026
The Honesdale National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month CD
$1,000
4.01% ▲ 1.02% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.02% above avgNationally 2.88%
Details

Upon maturity, CDs will automatically renew into the closest preceding term unless other instructions are provided. Early withdrawal penalties may apply. Fees could reduce earnings. This offer is not available for brokered deposits or for non-customers outside our market area.

Rate History
No change since Sep 27, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Sep 27, 2026: 4.01% APYSep 27, 2026Oct 14, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificates
$100,000
4.01% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 1.02% above avgNationally 2.88%
Details

Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 5 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 18 Months
$100,000
4.01% ▲ 1.02% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.99%▲ 1.02% above avgNationally 2.88%
Details

Dividend Rate 3.95%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00% ▲ 1.01% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Account 18 Month Pick Your Term
$5,000
4.00% ▲ 1.01% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Balance: $5,000 or more

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
The Honesdale National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month CD Special
$0
4.00% ▲ 1.01% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Published APY range: 4.00% - 4.01%.

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 14, 2026

Altoona 24 Month CD Rates

Pennsylvania 24 Month CD Average2.87% APYNational 2.88%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
24 Month Traditional IRA Share Certificate
$0
4.07% ▲ 1.20% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.20% above avgNationally 2.88%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.52 pts · high 4.07% / low 3.56%
3.04%3.82%4.59%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
24 Month Share Certificate
$0
3.97% ▲ 1.10% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.10% above avgNationally 2.88%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45%
2.94%3.71%4.49%Sep 14, 2026: 3.45% APYOct 9, 2026: 3.97% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.97%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
24 Month Certificate
$0
3.85% ▲ 0.98% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
208 W Plank Rd, Altoona, PA 16602
2 Year CD
$500
3.25% ▲ 0.38% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2035 Broad Ave, Altoona, PA 16601
2 Year Online CD
$0
3.00% ▲ 0.13% above Pennsylvania avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
IRA 24 Month Certificate
$0
3.00% ▲ 0.13% above Pennsylvania avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 0.13% above avgNationally 2.88%
Details

Includes Traditional IRA, Roth IRA, & Coverdell ESA

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
24 Month No Penalty Certificate
$1,000
2.75% ▼ 0.12% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 0.12% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
24 Month Certificate
$0
2.75% ▼ 0.12% below Pennsylvania avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 0.12% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
24 Month Certificate
$500
1.51% ▼ 1.36% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▼ 1.36% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
24 Month Certificate
$1,000
1.00% ▼ 1.87% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.87% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
24 Month IRA Certificates
$10
1.00% ▼ 1.87% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 1.87% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
24 Month Certificate of Deposit (CD) Account
$1,000
0.40% ▼ 2.47% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.87%▼ 2.47% below avgNationally 2.88%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 19, 2026: 0.40% APYSep 19, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
24 Month IRA Certificate
$100
0.40% ▼ 2.47% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.87%▼ 2.47% below avgNationally 2.88%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 19, 2026: 0.40% APYSep 19, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
2 Year Certificate of Deposit
$0
0.40% ▼ 2.47% below Pennsylvania avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▼ 2.47% below avgNationally 2.88%
Details

Balance: $500.00

Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 20, 2026: 0.40% APYSep 20, 2026Oct 14, 2026
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
2 Year (24 Month) Adjustable CD
$5,000
4.73% ▲ 1.86% above Pennsylvania avg
View
▼
Rate4.65%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.86% above avgNationally 2.88%
Details

Open account in person. See details.

Rate History
1 change since Sep 19, 2026 · 4.29% → 4.73% ▲ 0.44 pts · high 4.73% / low 4.29%
3.79%4.51%5.23%Sep 19, 2026: 4.29% APYOct 7, 2026: 4.73% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.73%▲ from 4.29%
  • Sep 19, 20264.29%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.42% ▲ 1.55% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.55% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 2 Year CD
$0
4.39% ▲ 1.52% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.52% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 4.13% → 4.39% ▲ 0.26 pts · high 4.39% / low 4.13%
3.63%4.26%4.89%Sep 14, 2026: 4.13% APYSep 24, 2026: 4.18% APYOct 8, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.39%▲ from 4.18%
  • Sep 24, 20264.18%▲ from 4.13%
  • Sep 14, 20264.13%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.37% ▲ 1.50% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.50% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 24-Month
$500
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYSep 20, 2026: 4.05% APYOct 4, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.30%▲ from 4.05%
  • Sep 20, 20264.05%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 24-Month
$500
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 12, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 12, 20263.90%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $24,409.71; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Certificate - 24 MONTH
$0
4.30% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.43% above avgNationally 2.88%
Details

Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.30% ▲ 0.70 pts · high 4.30% / low 3.60%
2.90%3.95%5.00%Sep 14, 2026: 3.60% APYOct 5, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.30%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 Month CD
$0
4.28% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.28% APY · checked 3 times
3.78%4.28%4.78%Oct 9, 2026: 4.28% APYOct 9, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Business Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month IRA Share Certificate
$500
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

APY listed paid on $500 minimum balance.

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24 Month Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
2.05%3.70%5.35%Sep 18, 2026: 3.15% APYSep 24, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
24-Month Share & IRA Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 14, 2026
First Harvest FCU
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
IRA Share Certificate - 24 Month
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 24, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Regular & IRA Certificate
$500
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 24 months
$500
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.25% ▲ 1.38% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.38% above avgNationally 2.88%
Details

Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $8,855.36; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.22% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.87%▲ 1.35% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.22% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Month Jumbo IRA Certificate
$100,000
4.21% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.34% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.21% APY · checked 2 times
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 14, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Month Jumbo Share Certificate
$100,000
4.21% ▲ 1.34% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.34% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.21% APY · checked 2 times
3.71%4.21%4.71%Oct 8, 2026: 4.21% APYOct 8, 2026Oct 14, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 24-Month Add-On
$500
4.20% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.33% above avgNationally 2.88%
Details

Add-On

Rate History
2 changes since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 12, 2026: 3.80% APYSep 20, 2026: 3.95% APYOct 4, 2026: 4.20% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.20%▲ from 3.95%
  • Sep 20, 20263.95%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 24-Month Add-On
$500
4.20% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 12, 2026: 3.80% APYOct 8, 2026: 4.20% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.20%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
24 Month Share Certificate
$0
4.20% ▲ 1.33% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.33% above avgNationally 2.88%
Details

Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $874.69; Rates effective as of September 15, 2026

Rate History
No change since Oct 5, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 5, 2026: 4.20% APYOct 5, 2026Oct 14, 2026
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month SPECIAL Share Certificate
$1,000
4.19% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.32% above avgNationally 2.88%
Details

See footnote **

Rate History
No change since Oct 12, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 12, 2026: 4.19% APYOct 12, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
24 Month Jumbo Certificate
$0
4.16% ▲ 1.29% above Pennsylvania avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.29% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 12, 2026: 4.16% APYOct 12, 2026Oct 14, 2026
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
24 Month IRA Share Certificate
$500
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Dividends compounded quarterly; dividends credited quarterly; dividend period account's term; rate type fixed; additional deposits not allowed; automatically renew

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50%
2.85%3.83%4.80%Sep 14, 2026: 3.50% APYSep 21, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20264.15%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Priority First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Share Certificate - 24 Month
$500
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Dividend Rate 4.087%; dividends compounded and credited quarterly; fixed rate; dividend period is account's term; additional deposits not allowed; automatically renews

Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 21, 2026: 4.15% APYSep 21, 2026Oct 14, 2026
Spirit Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2 Year Share Certificate / IRA Certificate
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
24 Month Share Certificates
$500
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
New Directions Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
IRA Certificate - 24 Month
$500
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 22, 2026: 4.00% APYOct 13, 2026: 4.15% APYSep 22, 2026Oct 14, 2026
  • Oct 13, 20264.15%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
24-month Jumbo Certificate
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10%
3.60%4.13%4.65%Sep 14, 2026: 4.10% APYSep 22, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.15%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Business 24-month Jumbo Certificate
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Oct 9, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 9, 2026: 4.15% APYOct 9, 2026Oct 14, 2026
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo Certificates - 24-Month
$0
4.15% ▲ 1.28% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.87%▲ 1.28% above avgNationally 2.88%
Details

Balance: Average Daily Balance; Minimum balance on all JUMBO certificates is $25,000; Penalties for early withdrawal apply

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 18, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Marquette Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2 Year Ladder CD
$10,000
4.11% ▲ 1.24% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.87%▲ 1.24% above avgNationally 2.88%
Details

Kicker rate valid for initial term only; requires three CDs with staggered terms (CD Ladder), like ownership; IRAs excluded; early withdrawal penalties may apply

Rate History
No change since Oct 14, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 14, 2026: 4.11% APYOct 14, 2026Oct 14, 2026
Century Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
24 Month IRA Certificate
$500
4.11% ▲ 1.24% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.87%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Sep 25, 2026: 4.11% APYSep 25, 2026Oct 14, 2026

Altoona 36 Month CD Rates

Pennsylvania 36 Month CD Average2.74% APYNational 2.81%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
36 Month Traditional IRA Share Certificate
$0
4.28% ▲ 1.54% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.54% above avgNationally 2.81%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.93%3.95%4.96%Sep 14, 2026: 3.61% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
36 Month Share Certificate
$0
4.18% ▲ 1.44% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.44% above avgNationally 2.81%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.51% → 4.18% ▲ 0.67 pts · high 4.18% / low 3.51%
2.83%3.84%4.85%Sep 14, 2026: 3.51% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.18%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
36 Month Certificate
$0
3.85% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
IRA 36 Month Certificate
$0
3.00% ▲ 0.26% above Pennsylvania avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 0.26% above avgNationally 2.81%
Details

Includes Traditional IRA, Roth IRA, & Coverdell ESA

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2035 Broad Ave, Altoona, PA 16601
3 Year Online CD
$0
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602
36 Month Certificate
$0
2.75% ▲ 0.01% above Pennsylvania avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 0.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
36 Month IRA Certificate
$100
2.50% ▼ 0.24% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.74%▼ 0.24% below avgNationally 2.81%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
36 Month Certificate
$500
1.51% ▼ 1.23% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.74%▼ 1.23% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
36 Month Certificate
$1,000
1.00% ▼ 1.74% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 1.74% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
36 Month IRA Certificates
$10
1.00% ▼ 1.74% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 1.74% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
3 Year Certificate of Deposit
$0
0.50% ▼ 2.24% below Pennsylvania avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▼ 2.24% below avgNationally 2.81%
Details

Balance: $500.00

Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
36 Month Certificate of Deposit (CD) Account
$1,000
0.45% ▼ 2.29% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.74%▼ 2.29% below avgNationally 2.81%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 19, 2026: 0.45% APYSep 19, 2026Oct 14, 2026
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Year Adjustable CD
$1,000
4.81% ▲ 2.07% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 2.07% above avgNationally 2.81%
Details

See details. Not available for purchase effective June 7, 2022.

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 14, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
3 Year Adjustable IRA
$1,000
4.81% ▲ 2.07% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 2.07% above avgNationally 2.81%
Details

See details. Not available for purchase effective June 7, 2022.

Rate History
1 change since Sep 27, 2026 · 4.29% → 4.81% ▲ 0.52 pts · high 4.81% / low 4.29%
3.77%4.55%5.33%Sep 27, 2026: 4.29% APYOct 4, 2026: 4.81% APYSep 27, 2026Oct 14, 2026
  • Oct 4, 20264.81%▲ from 4.29%
  • Sep 27, 20264.29%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.52% ▲ 1.78% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.78% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.52% ▲ 1.78% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.78% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.50% ▲ 1.76% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.76% above avgNationally 2.81%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.47% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.73% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.47% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.73% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.45% ▲ 1.71% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.71% above avgNationally 2.81%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.45% APY · checked 3 times
3.95%4.45%4.95%Oct 5, 2026: 4.45% APYOct 5, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 3 Year CD
$0
4.44% ▲ 1.70% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.70% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.23% APYOct 8, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.44%▲ from 4.23%
  • Sep 24, 20264.23%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.40% ▲ 1.66% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.66% above avgNationally 2.81%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.32% ▲ 1.58% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.58% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.32% ▲ 1.58% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.58% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 2, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
36 Month Share Certificate
$0
4.30% ▲ 1.56% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.56% above avgNationally 2.81%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificates of Deposit - 3 year
$1,000
4.16% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 12, 2026: 4.16% APYOct 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.41% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.41% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15% ▲ 1.41% above Pennsylvania avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.41% above avgNationally 2.81%
Details

Balance: $1 - $3,000; Maximum Balance $3,000; Add funds at any time throughout the certificate term up to $3,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Jumbo and Jumbo IRA Certificates
$100,000
4.13% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.39% above avgNationally 2.81%
Details

Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 18, 2026: 4.06% APYOct 14, 2026: 4.13% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.13%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 3 Years
$100,000
4.13% ▲ 1.39% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.39% above avgNationally 2.81%
Details

Dividend Rate 4.07%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
36 Month Traditional or Roth IRA Certificate
$2,000
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 14, 2026
Grove City Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
36 Month Share Certificate
$2,000
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.81%
Details

SPECIAL

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 25, 2026: 4.00% APYOct 12, 2026: 4.10% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.10%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 36-Month
$1,000
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 12, 2026: 3.95% APYSep 20, 2026: 4.10% APYSep 12, 2026Oct 14, 2026
  • Sep 20, 20264.10%▲ from 3.95%
  • Sep 12, 20263.95%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 36-Month
$1,000
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 12, 2026: 3.95% APYOct 8, 2026: 4.10% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.10%▲ from 3.95%
  • Sep 12, 20263.95%first recorded
Pennstar Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Month Certificate
$0
4.10% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.74%▲ 1.36% above avgNationally 2.81%
Details

Effective as 10/01/2026; A penalty will or may be imposed for early withdrawal.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year IRA Certificates
$500
4.08% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.34% above avgNationally 2.81%
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 18, 2026: 4.01% APYOct 14, 2026: 4.08% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.08%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 3 Years
$500
4.08% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.74%▲ 1.34% above avgNationally 2.81%
Details

$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026

Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 14, 2026: 4.01% APYOct 1, 2026: 4.06% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.08%▲ from 4.06%
  • Oct 1, 20264.06%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
36 Month IRA Certificate
$500
4.07% ▲ 1.33% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 7, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate - 36 months
$500
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.81%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Junior Share Certificate minimum $250.00 (members 18 and under)

Rate History
No change since Oct 12, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 12, 2026: 4.01% APYOct 12, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 36 Month
$0
4.01% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
36 month Certificate of Deposit
$0
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.81%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Year CD
$1,000
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Regular & IRA Certificate
$500
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.81%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 36 months
$500
4.00% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.26% above avgNationally 2.81%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month Jumbo Certificate
$0
3.96% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 12, 2026: 3.96% APYOct 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
36 Month Certificate
$0
3.92% ▲ 1.18% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.18% above avgNationally 2.81%
Details

Minimum Balance: $75,000

Rate History
No change since Sep 12, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 12, 2026: 3.92% APYSep 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Regular & IRA Certificates - 36 Months
$0
3.92% ▲ 1.18% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.74%▲ 1.18% above avgNationally 2.81%
Details

Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 14, 2026

Altoona 48 Month CD Rates

Pennsylvania 48 Month CD Average2.64% APYNational 2.80%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
48 Month Traditional IRA Share Certificate
$0
4.39% ▲ 1.75% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.75% above avgNationally 2.80%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.39% ▲ 0.73 pts · high 4.39% / low 3.66%
2.93%4.02%5.11%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.39%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
48 Month Share Certificate
$0
4.28% ▲ 1.64% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.64% above avgNationally 2.80%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
2.83%3.92%5.01%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.28%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
48 Month Certificate
$0
3.75% ▲ 1.11% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.11% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2035 Broad Ave, Altoona, PA 16601
4 Year Online CD
$0
2.75% ▲ 0.11% above Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 0.11% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
48 Month Certificate
$500
1.51% ▼ 1.13% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.64%▼ 1.13% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
48 Month Certificate
$1,000
1.25% ▼ 1.39% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 1.39% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
48 Month IRA Certificates
$10
1.25% ▼ 1.39% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 1.39% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
4 Year Certificate of Deposit
$0
0.50% ▼ 2.14% below Pennsylvania avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▼ 2.14% below avgNationally 2.80%
Details

Balance: $500.00

Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
48 Month Certificate of Deposit (CD) Account
$1,000
0.45% ▼ 2.19% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.64%▼ 2.19% below avgNationally 2.80%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 19, 2026: 0.45% APYSep 19, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
48 Month IRA Certificate
$100
0.45% ▼ 2.19% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.64%▼ 2.19% below avgNationally 2.80%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 19, 2026: 0.45% APYSep 19, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.60% ▲ 1.96% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.96% above avgNationally 2.80%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 5, 2026: 4.60% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.58% ▲ 1.94% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.94% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.55% ▲ 1.91% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.91% above avgNationally 2.80%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 5, 2026: 4.55% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.52% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.88% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.50% ▲ 1.86% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.86% above avgNationally 2.80%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 4 Year CD
$0
4.49% ▲ 1.85% above Pennsylvania avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.85% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 4.23% → 4.49% ▲ 0.26 pts · high 4.49% / low 4.23%
3.73%4.36%4.99%Sep 14, 2026: 4.23% APYSep 24, 2026: 4.28% APYOct 8, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.49%▲ from 4.28%
  • Sep 24, 20264.28%▲ from 4.23%
  • Sep 14, 20264.23%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
48 Month Share Certificate
$0
4.40% ▲ 1.76% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.76% above avgNationally 2.80%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance

Rate History
No change since Oct 5, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 5, 2026: 4.40% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.37% ▲ 1.73% above Pennsylvania avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.73% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 2, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificates of Deposit - 4 year
$2,000
4.21% ▲ 1.57% above Pennsylvania avg
View
▼
Rate4.15%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.57% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.21% APY
3.71%4.21%4.71%Oct 12, 2026: 4.21% APYOct 12, 2026Oct 14, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 48-Month
$1,000
4.15% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.51% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 12, 2026: 4.00% APYSep 20, 2026: 4.15% APYSep 12, 2026Oct 14, 2026
  • Sep 20, 20264.15%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 48-Month
$1,000
4.15% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.51% above avgNationally 2.80%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 12, 2026: 4.00% APYOct 8, 2026: 4.15% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.15%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Jumbo and Jumbo IRA Certificates
$100,000
4.13% ▲ 1.49% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.64%▲ 1.49% above avgNationally 2.80%
Details

Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 18, 2026: 4.09% APYOct 14, 2026: 4.13% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.13%▲ from 4.09%
  • Sep 18, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 4 Years
$100,000
4.13% ▲ 1.49% above Pennsylvania avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.64%▲ 1.49% above avgNationally 2.80%
Details

Dividend Rate 4.07%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
3 - 4 Year CD
$500
4.10% ▲ 1.46% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.46% above avgNationally 2.80%
Details

Rate History
No change since Oct 3, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 3, 2026: 4.10% APYOct 3, 2026Oct 14, 2026
Armstrong County Building and Loan Association
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
3 - 4 Year Certificates of Deposit
$500
4.10% ▲ 1.46% above Pennsylvania avg
View
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.46% above avgNationally 2.80%
Details

Bump-Up: 1

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year IRA Certificates
$500
4.08% ▲ 1.44% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.80%
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
3.54%4.06%4.58%Sep 18, 2026: 4.04% APYOct 14, 2026: 4.08% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.08%▲ from 4.04%
  • Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 4 Years
$500
4.08% ▲ 1.44% above Pennsylvania avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.64%▲ 1.44% above avgNationally 2.80%
Details

$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026

Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
3.54%4.06%4.59%Sep 14, 2026: 4.04% APYOct 1, 2026: 4.09% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.08%▼ from 4.09%
  • Oct 1, 20264.09%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
48 Month IRA Certificate
$500
4.07% ▲ 1.43% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.43% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.80%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 7, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.80%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate - 48 months
$500
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.80%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Junior Share Certificate minimum $250.00 (members 18 and under)

Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 14, 2026
Moonlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Month CD
$500
4.06% ▲ 1.42% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.64%▲ 1.42% above avgNationally 2.80%
Details

CD's require a $500 minimum investment

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 48 Month
$0
4.01% ▲ 1.37% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.37% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 month Certificate of Deposit
$0
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.80%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4 Year CD
$1,000
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 Month Jumbo Certificate
$0
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Month Regular & IRA Certificate
$500
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.80%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 48 months
$500
4.00% ▲ 1.36% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.36% above avgNationally 2.80%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
48 Month Certificate
$0
3.98% ▲ 1.34% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.34% above avgNationally 2.80%
Details

Minimum Balance: $75,000

Rate History
No change since Sep 12, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 12, 2026: 3.98% APYSep 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Regular & IRA Certificates - 48 Months
$0
3.98% ▲ 1.34% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.34% above avgNationally 2.80%
Details

Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
48 Month Certificate
$0
3.92% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.28% above avgNationally 2.80%
Details

Minimum Balance: $50,000

Rate History
No change since Sep 12, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 12, 2026: 3.92% APYSep 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Regular & IRA Certificates - 48 Months
$0
3.92% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.28% above avgNationally 2.80%
Details

Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 14, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
48 Month Share Certificate
$125,000
3.92% ▲ 1.28% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.64%▲ 1.28% above avgNationally 2.80%
Details

Minimum Deposit $125,000 tier; Share Certificates may be opened with $1,000 minimum deposit

Rate History
1 change since Sep 18, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Sep 18, 2026: 3.76% APYOct 14, 2026: 3.92% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.92%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
3.91% ▲ 1.27% above Pennsylvania avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.64%▲ 1.27% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
37 - 48 Mos. Share Certificate
$500
3.87% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
48 Month Certificate
$0
3.87% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.64%▲ 1.23% above avgNationally 2.80%
Details

Minimum Balance: $500

Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 14, 2026

Altoona 60 Month CD Rates

Pennsylvania 60 Month CD Average2.75% APYNational 2.91%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
60 Month Traditional IRA Share Certificate
$0
4.44% ▲ 1.69% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.69% above avgNationally 2.91%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.44% ▲ 0.78 pts · high 4.44% / low 3.66%
2.88%4.05%5.22%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.44% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.44%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
ARC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1919 7th Ave, Altoona, PA 16602 2237
60 Month Share Certificate
$0
4.33% ▲ 1.58% above Pennsylvania avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.58% above avgNationally 2.91%
Details

Minimum balance for all Certificates is $500; Early withdrawal fees/penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.33% ▲ 0.78 pts · high 4.33% / low 3.56%
2.78%3.95%5.11%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.33%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Kish Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.78%
615 Pleasant Valley Blvd, Altoona, PA 16601
60 Month Certificate
$0
3.75% ▲ 1.00% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.00% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.75%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2035 Broad Ave, Altoona, PA 16601
5 Year Online CD
$0
2.75% At Pennsylvania avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
60 Month Certificate of Deposit (CD) Account
$1,000
2.75% At Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 14, 2026
Altoona First Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.09%
203 N Logan Blvd, Altoona, PA 16602
60 Month IRA Certificate
$100
2.75% At Pennsylvania avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Pennsylvania Average2.75%At the averageNationally 2.91%
Details

Compounding Frequency: Annually

Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
60 Month Certificate
$500
1.51% ▼ 1.24% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▼ 1.24% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
American Pride Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
1431 Valley View Blvd, Altoona, PA 16602
IRA Traditional / Roth - 60 Month Term CD
$500
1.51% ▼ 1.24% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Pennsylvania Average2.75%▼ 1.24% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
60 Month Certificate
$1,000
1.25% ▼ 1.50% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 1.50% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
PennCrest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1201 12th St, Altoona, PA 16601
60 Month IRA Certificates
$10
1.25% ▼ 1.50% below Pennsylvania avg
View
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 1.50% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
Investment Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
900 S 16th St, Altoona, PA 16602
5 Year Certificate of Deposit
$0
0.50% ▼ 2.25% below Pennsylvania avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▼ 2.25% below avgNationally 2.91%
Details

Balance: $500.00

Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 14, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.81% ▲ 2.06% above Pennsylvania avg
View
▼
Rate4.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 2.06% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.81% ▲ 0.44 pts · high 4.81% / low 4.37%
3.87%4.59%5.31%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.81% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.81%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.66% ▲ 1.91% above Pennsylvania avg
View
▼
Rate4.58%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.91% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.66% ▲ 0.29 pts · high 4.66% / low 4.37%
3.87%4.52%5.16%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.66% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.66%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.63% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.88% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 7, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.63% ▲ 1.88% above Pennsylvania avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.88% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 2, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.60% ▲ 1.85% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.85% above avgNationally 2.91%
Details

Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 13, 2026: 4.60% APYOct 13, 2026Oct 14, 2026
Enterprise Bank Allison Park, PA
Institution Rating:
F1.0 ★Texas Ratio: 80.27%
Business 5 Year CD
$0
4.59% ▲ 1.84% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.84% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 4.28% → 4.59% ▲ 0.31 pts · high 4.59% / low 4.28%
3.78%4.44%5.09%Sep 14, 2026: 4.28% APYSep 24, 2026: 4.33% APYOct 8, 2026: 4.59% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.59%▲ from 4.33%
  • Sep 24, 20264.33%▲ from 4.28%
  • Sep 14, 20264.28%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.58% ▲ 1.83% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.83% above avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.58% ▲ 1.83% above Pennsylvania avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.83% above avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.56% ▲ 1.81% above Pennsylvania avg
View
▼
Rate4.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.81% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.56% ▲ 0.19 pts · high 4.56% / low 4.37%
3.87%4.47%5.06%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.56% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.56%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.55% ▲ 1.80% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.80% above avgNationally 2.91%
Details

Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 13, 2026: 4.55% APYOct 13, 2026Oct 14, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.50% ▲ 1.75% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.75% above avgNationally 2.91%
Details

Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.45% ▲ 1.70% above Pennsylvania avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.70% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.45% ▲ 0.08 pts · high 4.45% / low 4.37%
3.87%4.41%4.95%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.45% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.45%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.42% ▲ 1.67% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.67% above avgNationally 2.91%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.42% ▲ 1.67% above Pennsylvania avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.67% above avgNationally 2.91%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
60 Month Share Certificate
$0
4.40% ▲ 1.65% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.65% above avgNationally 2.91%
Details

Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Share Certificates - 60 month Certificate
$0
4.40% ▲ 1.65% above Pennsylvania avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Pennsylvania Average2.75%▲ 1.65% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.40% ▲ 0.03 pts · high 4.40% / low 4.37%
3.87%4.39%4.90%Sep 14, 2026: 4.37% APYOct 9, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.40%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
Certificates of Deposit - 5 year
$2,000
4.26% ▲ 1.51% above Pennsylvania avg
View
▼
Rate4.20%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.51% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 4.26% APY
3.76%4.26%4.76%Oct 12, 2026: 4.26% APYOct 12, 2026Oct 14, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
60 Month Traditional or Roth IRA Certificate
$2,500
4.25% ▲ 1.50% above Pennsylvania avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.50% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
IRA Certificates - 60-Month
$1,000
4.20% ▲ 1.45% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.45% above avgNationally 2.91%
Details

Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 12, 2026: 4.05% APYSep 20, 2026: 4.20% APYSep 12, 2026Oct 14, 2026
  • Sep 20, 20264.20%▲ from 4.05%
  • Sep 12, 20264.05%first recorded
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Regular Certificates - 60-Month
$1,000
4.20% ▲ 1.45% above Pennsylvania avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.45% above avgNationally 2.91%
Details

Rate History
1 change since Sep 12, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 12, 2026: 4.05% APYOct 8, 2026: 4.20% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20264.20%▲ from 4.05%
  • Sep 12, 20264.05%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.91%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 7, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.91%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 2, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
PALCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Share Certificate - 60 months
$500
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.91%
Details

Balance: $250.00-4,999.00; Early Withdrawal: 1 Year; Junior Share Certificate minimum $250.00 (members 18 and under)

Rate History
No change since Oct 12, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 12, 2026: 4.11% APYOct 12, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 Month Jumbo Certificate
$0
4.11% ▲ 1.36% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.36% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 12, 2026: 4.11% APYOct 12, 2026Oct 14, 2026
FORGE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
60 Month Share Certificate
$500
4.10% ▲ 1.35% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.35% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Jumbo and Jumbo IRA Certificates
$100,000
4.09% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.34% above avgNationally 2.91%
Details

Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 18, 2026: 4.08% APYOct 14, 2026: 4.09% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.09%▲ from 4.08%
  • Sep 18, 20264.08%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 5 Years
$100,000
4.09% ▲ 1.34% above Pennsylvania avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.34% above avgNationally 2.91%
Details

Dividend Rate 4.03%; $100,000 minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 14, 2026: 4.09% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Eagle One Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.62%
60 Month IRA Certificate
$500
4.07% ▲ 1.32% above Pennsylvania avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year IRA Certificates
$500
4.04% ▲ 1.29% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.29% above avgNationally 2.91%
Details

$500 and Above; $500 is the minimum balance required to open account and earn APY; Penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 18, 2026: 4.03% APYOct 14, 2026: 4.04% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.04%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificates - 5 Years
$500
4.04% ▲ 1.29% above Pennsylvania avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.29% above avgNationally 2.91%
Details

$500 and Above; Penalty for early withdrawal; Effective Date: Tuesday, October 13th, 2026

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 14, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.33%
Certificates - 60 Month
$0
4.01% ▲ 1.26% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.26% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 18, 2026: 3.91% APYOct 12, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 12, 20264.01%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Journey Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 month Certificate of Deposit
$0
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.91%
Details

Balance: $50,000+

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5 Year CD
$1,000
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Regular & IRA Certificate
$500
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.91%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
APCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Regular & IRA Certificate - 60 months
$500
4.00% ▲ 1.25% above Pennsylvania avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.25% above avgNationally 2.91%
Details

Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
60 Month Certificate
$0
3.98% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.23% above avgNationally 2.91%
Details

Minimum Balance: $75,000

Rate History
No change since Sep 12, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 12, 2026: 3.98% APYSep 12, 2026Oct 14, 2026
Tri County Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
Regular & IRA Certificates - 60 Months
$0
3.98% ▲ 1.23% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Pennsylvania Average2.75%▲ 1.23% above avgNationally 2.91%
Details

Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 14, 2026
Widget Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
60 Month Share Certificate
$125,000
3.97% ▲ 1.22% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$125,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Pennsylvania Average2.75%▲ 1.22% above avgNationally 2.91%
Details

Minimum Deposit $125,000 tier; Share Certificates may be opened with $1,000 minimum deposit

Rate History
1 change since Sep 18, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82%
3.32%3.90%4.47%Sep 18, 2026: 3.82% APYOct 14, 2026: 3.97% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.97%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
3.96% ▲ 1.21% above Pennsylvania avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Pennsylvania Average2.75%▲ 1.21% above avgNationally 2.91%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
3.25%3.86%4.46%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.96% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.96%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
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 Altoona, Pennsylvania Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Northwest Bank Warren, PA
12-month CD
A+ 5.0 ★ TX: 3.99%
Min: $0
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Kish Bank
24 Month Certificate
A+ 5.0 ★ TX: 5.78%
Min: $0
3.85%
Investment Savings Bank
18 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.27%
Min: $0
3.79%
S&T Bank
12 Month CD
A+ 5.0 ★ TX: 2.93%
Min: $500
3.50%
CU Top 5 Credit Union Rates
ARC Federal Credit Union
60 Month Traditional IRA Share Certificate
A+ 5.0 ★ TX: 5.00%
Min: $0
4.44%
G.A.P. Federal Credit Union
IRA 12 Month Certificate
A+ 5.0 ★ TX: 2.55%
Min: $0
3.00%
American Pride Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 4.13%
Min: $500
1.51%
Tendto Credit Union
Share Certificates - 60 month Certificate
A+ 5.0 ★ TX: 3.10%
Min: $0
4.81%
Patriot Federal Credit Union
48 Month Share Certificate
A+ 5.0 ★ TX: 1.50%
Min: $0
4.60%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Altoona, PA CD Rate Trends

Compare local Altoona, PA 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
2.956%
▼ 0.006 vs 7 days ago

Pennsylvania 12-month CD rates fell 0.006 points over the past 7 days to 2.956% APY.

6-Month CD PA Avg
2.769%
▼ 0.034 vs 7 days ago

Pennsylvania 6-month CD rates fell 0.034 points over the past 7 days to 2.769% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

PA CD Rate Forecast, Next 12 Months

Where are Pennsylvania CD rates headed through October 2027?

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

PA 12-Month Avg APY
2.956%
6-Month Forecast
2.956%
Range: 2.76%, 3.11%
12-Month Forecast
3.206%
Range: 3.01%, 3.36%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Pennsylvania average 12-month CD APY in our database.

Spread model: The Pennsylvania 12-month CD average currently trades 1.42% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.786% $89.28 $178.56 $446.40 $892.80
6-Month CD 2.769% $138.45 $276.90 $692.25 $1,384.50
12-Month CD 2.956% $147.81 $295.61 $739.03 $1,478.05
18-Month CD 2.989% $149.44 $298.87 $747.18 $1,494.35
24-Month CD 2.872% $143.61 $287.22 $718.05 $1,436.10
36-Month CD 2.744% $137.19 $274.38 $685.95 $1,371.90
48-Month CD 2.640% $131.99 $263.97 $659.93 $1,319.85
60-Month CD 2.753% $137.64 $275.29 $688.22 $1,376.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Altoona, 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 1.786% $89.28
2 6-Month CD $5,000 2.769% $138.45
3 12-Month CD $5,000 2.956% $147.81
4 24-Month CD $5,000 2.872% $143.61
5 36-Month CD $5,000 2.744% $137.19
Total ($25,000 invested) $25,000 2.625% blended $656.34/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.

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2,466
CD Rates
Tracked in Altoona, Pennsylvania
50 Banks 88 Credit Unions

About Our Altoona, Pennsylvania CD Rate Database

MonitorBankRates tracks 2,466 CD rates from 50 banks and 88 credit unions with locations in Altoona, 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 to 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: ARC Federal Credit Union offers a CD at 4.44% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Altoona, Pennsylvania.

How to Find the Best CD Rates in Altoona, Pennsylvania

What to compare when shopping for a CD in Altoona, Pennsylvania

To find the best APYs in Altoona, Pennsylvania, start with credit unions and online-only banks: Altoona, Pennsylvania has 88 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 Altoona, 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 Altoona, Pennsylvania: 138 institutions here report CD rates

Consider an Alternative If…

Altoona, Pennsylvania Financial Snapshot

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

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$35,466
National avg: $47,340
Poverty Rate
16.6%
National avg: 11.1%
Unemployment Rate
6.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$105/yr
At PA 12-mo avg 2.956% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s PA 12-month CD average of 2.956%, saving 10% of the local median salary ($3,546/year) and putting it in a CD would earn an additional $105 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 Altoona, 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 to 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 Altoona, 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 Altoona, 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 Altoona, Pennsylvania as everywhere in the U.S.

Choosing a CD Term in Altoona, 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 Altoona, Pennsylvania savers easier access to their funds. For example, ARC Federal Credit Union is offering its 6 Month Share Certificate at 3.81% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ARC Federal Credit Union is offering its 60 Month Traditional IRA Share Certificate at 4.44% 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 Altoona, 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 Altoona, 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 Altoona, 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 Altoona, 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 Altoona, Pennsylvania

Most CDs carry a fixed rate that is locked for the entire term, protecting a Altoona, 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 Altoona, Pennsylvania

Are CD rates in Altoona, Pennsylvania FDIC insured?

Yes, most established banks in Altoona, 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 Altoona, 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 Altoona, 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 Altoona, 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 Altoona, Pennsylvania?

Here are recent top rates found for this area:
  • ARC Federal Credit Union: 4.44% APY (60 Month Traditional IRA Share Certificate)
  • Northwest Bank Warren, PA: 4.00% APY (12-month CD)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • Kish Bank: 3.85% APY (24 Month Certificate)
  • Investment Savings Bank: 3.79% APY (18 Month Certificate of Deposit)
  • S&T Bank: 3.50% APY (12 Month CD)
  • Citizens Access: 3.25% APY (1 Year Online CD)
  • G.A.P. Federal Credit Union: 3.00% APY (IRA 12 Month Certificate)
  • Altoona First Savings Bank: 2.75% APY (60 Month Certificate of Deposit (CD) Account)
  • PennCrest Bank: 2.75% APY (24 Month No Penalty Certificate)
Rates reflect recent verified offers available in Altoona, Pennsylvania. Last Updated: October 14, 2026

Altoona, 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 Altoona, Pennsylvania rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Altoona, Pennsylvania CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Altoona, Pennsylvania. Averages shown use the Pennsylvania state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Altoona, Pennsylvania

Altoona, Pennsylvania CD Calculator

At today’s PA top rate of 4.44% APY, a $10,000 deposit earns $444 in the first year. Enter your amount to see your exact return.

Altoona, Pennsylvania CD Ladder

PA CD rates currently range from 1.786% (3-month) to 2.744% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Altoona, Pennsylvania CD at 4.44% APY, know your exit cost. Most institutions charge 90 to 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 2.956% 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 Altoona, 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 Altoona, 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 Altoona, 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: October 14, 2026

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