Philadelphia, Pennsylvania Best CD Rates September 2026

Early Withdrawal Penalty: 1 month interest

Balance: $500 - $100,000

Relationship APY

Balance: $250.00 - $9,999.99

Early withdrawal penalties may apply.

Relationship APY 0.06%. Early withdrawal penalties may apply.

Above $75,000

$75,000

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

APY up to 3.70%

APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

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

APY assumes dividends remain in account.

APY=Annual Percentage Yield. Rates are effective as of 9/8/2026. All rates and information are subject to change at any time without notice. Fees could reduce earnings on the account, see Fee Schedule for details. Opening balance and minimum balance of $500 for all certificates. For CDs, APY is based on the assumption that dividends will remain in the account until maturity and the minimum balance is maintained. After a CD is opened, you cannot make additional deposits into the account during the term. A withdrawal request will reduce earnings. A penalty will be imposed if you withdraw funds before a CD maturity date. Certificate penalty information is detailed in the Truth-In-Savings Disclosure. See Credit Union for additional terms and conditions.

FedPerks APY: 3.25%

Balance: $500 - $100,000

Relationship APY

Balance: $250.00 - $9,999.99

Early withdrawal penalties may apply.

Relationship APY 0.06%. Early withdrawal penalties may apply.

Minimum Balance Requirements: $100000.00 to open; $100000.00 to obtain disclosed APY

Early Withdrawal Penalty: 3 months interest

$10,000 New Money

Minimum Balance Requirements: $100000.00 to open; $100000.00 to obtain disclosed APY

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.

See Details

Limited Time Offer! Get a one-time APY increase during the 18-month term of your certificate. If rates rise during the term, you can boost your rate. It's as simple as calling us or visiting a branch to boost your rate. Your dollars are guaranteed to grow with our Rate Boost CD. Get a one-time APY increase during the 18-month term of your certificate. Rates are expressed as Annual Percentage Yields (APYs), effective as of 4/7/25, and are subject to change without notice. Limited time offer. Customer may initiate a one-time APY increase by visiting a branch or calling 866.327.9199. All customer-requested APY increases will be processed by the end of the next business day, if possible. There is a limit of one customer-initiated APY increase during the certificate term. The certificate term is not extended by the APY increase. APY increases are not retroactive, and will apply to the remainder of the certificate term. A one-time rate increase can be initiated by you if the rate for the standard 18 month certificate is higher than the initial rate of the Rate Boost certificate anytime during the certificate term. Unless no action is taken by you upon maturity, the 18-month Rate Boost CD will rollover into a standard 18-month certificate and will earn the corresponding APY offered at that time. All other standard certificate terms and conditions will apply. Interest is compounded daily and credited monthly. Early withdrawal penalties apply. Fees may reduce earnings.

FedPerks APY: 3.35%

Balance: $500 - $100,000

Relationship APY

Balance: $250.00 - $9,999.99

Balance: $200,000+

Balance: $100,000.00 and over

Balance: $50,000.00

4.07% A.P.Y.*