Stroudsburg, Pennsylvania Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Stroudsburg, Pennsylvania and the surrounding area include Utilities Employees Credit UnionUtilities Employees Credit Union337 Clay Ave, Stroudsburg, PA 18360A+5.0 ★Texas Ratio: 3.38%Real return: -0.80%APY minus 2.8% CPI (February 2026) Money Market Savings Account at 2.00% APY, First Northern Bank and Trust CompanyFirst Northern Bank and Trust Company101 Park Ave, Stroudsburg, PA 18360A+5.0 ★Texas Ratio: 5.78%Real return: -2.55%APY minus 2.8% CPI (February 2026) Royal Savings at 0.25% APY, Wells FargoWells Fargo400 Main St, Stroudsburg, PA 18360A5.0 ★Texas Ratio: 6.32%Real return: -2.75%APY minus 2.8% CPI (February 2026) Platinum Savings at 0.05% APY, First Keystone Community BankFirst Keystone Community Bank559 Main St, Stroudsburg, PA 18360A-5.0 ★Texas Ratio: 14.74%Real return: -2.75%APY minus 2.8% CPI (February 2026) Key Savings at 0.05% APY, and Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit Union334 N 9th St, Stroudsburg, PA 18360 1804A+5.0 ★Texas Ratio: 1.36%Real return: -2.79%APY minus 2.8% CPI (February 2026) Business Savings Accounts at 0.01% APY.
Stroudsburg has 24 local institutions in our database, with savings rates as high as 2.00% APY from Utilities Employees Credit Union at 337 Clay Ave, Stroudsburg, PA 18360. Use the table below to compare all available offers, including options from institutions serving the broader Pennsylvania area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Stroudsburg, Pennsylvania and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Stroudsburg, Pennsylvania & Surrounding Communities
Dividend rate and APY are stated as of 9/8/2026 and may change after the account is opened. Rates are subject to change at the Credit Union's discretion, without notice. Fees could reduce earnings on the account(s). The dividend rate used, for the entire balance of your account, is the dividend rate of the highest tier that corresponds to the balance.
Foundation for Membership. Dividend rate and Annual Percentage Yield (APY) are stated as of 9/8/2026. No minimum balance requirement. No fees. Unlimited deposits. Convenient access anytime through Mobile & Online Banking. Convenient payroll deduction so saving happens automatically. Set up as individual or joint ownership. Insured by NCUA up to $250,000. Make deposits by mail, payroll deduction, direct deposit, or transfer from another account; deposit checks anytime with Mobile & Online Banking. Fee-free ATM access with a Quick Cash Card or Advantages Visa Debit CardTM. Can be used as collateral on a loan.
Dividend rate and Annual Percentage Yield (APY) are stated as of 9/8/2026. Create unlimited sub-accounts under your member number to organize and reach specific goals-taxes, car insurance, travel, college costs, and more. Earns the same dividend rate as your Share Savings. Name each sub-account to match your goals. No fees. No minimum balance. Unlimited deposits. Insured by NCUA up to $250,000. Access details by phone or Mobile & Online Banking. Deposits by mail, payroll deduction, direct deposit, or transfer from another account. ATM cash access available with a no-fee Quick Cash Card.
Balance: $100,000.00 and more
Balance: $50,000.00 - $99,999.99
Balance: $49,999.99 - $200.00
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
APY = Annual Percentage Yield as of 9/17/2026. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings.
Balance: All balances if qualifications are not met; APY = Annual Percentage Yield as of 9/17/2026. Compounded monthly. Rates are subject to change at any time. Fees may reduce earnings.
Balance: $250,000.00 or more
Balance: Below $2,500.00
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Term: $2,500 to less than $25,000; Balance: $2,500 to less than $25,000
Balance: Less than $2,500
APY - Annual Percentage Yield. All rates are subject to change without prior notice.
Balance: Up to $1000.00
Earn up to 10% APY* on the first $1000 in our new High Yield Savings account! See all the details.
Age: 0-21; Balances above $2,500.00 are paid the standard share savings rate.
Balance: Up to $1,000
Annual Percentage Yield (APY) accurate as of March 30, 2026. Rate subject to change after account opening. No minimum balance requirement. No monthly service fees. Interest is compounded and credited monthly. For new accounts. Fees may reduce earnings. Available in eligible markets only.
Balances of $.01 to $500.00
Balance: $100,000 +
Balance: $200,000 & Over
Balance: $150,000 +
Balance: $2,000.00 - $10,000.00
Balance: $10,000.00 - $25,000.00
Balance: $2,500 minimum balance
Balance: $100,000-$199,999
Balance: $5,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: $10,000 or more
Balance: $5,000.00 to $2,000,000.99
Balance: $10,000 and up
Balance: $25,000-$99,999
Balance: $100,000 - $149,999.99
Balance: $25,000.00 and higher; Fees: if over $100
Available in-branch only. On a balance below $100,000 you would earn the Personal Statement Savings annual percentage yield.
Balance: $1+
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Stroudsburg, PA Savings Rate Trends
Compare local Stroudsburg, PA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Pennsylvania high-yield savings rates rose 0.110 points over the past 7 days to 1.968% APY, up from 1.858%.
Pennsylvania standard savings rates rose 0.013 points over the past 7 days to 0.814% APY, up from 0.801%.
Stroudsburg, Pennsylvania Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current PA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current PA high-yield savings average of 1.968% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Stroudsburg, Pennsylvania.
Savings Account Earnings in Stroudsburg, Pennsylvania
Annual interest earnings at current PA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.968% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.41 / year | $8.20 | $40.68 / year | $3.39 |
| $10,000 | $196.82 / year | $16.40 | $81.36 / year | $6.78 |
| $25,000 | $492.05 / year | $41.00 | $203.40 / year | $16.95 |
| $50,000 | $984.10 / year | $82.01 | $406.80 / year | $33.90 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Stroudsburg, Pennsylvania savings rate averages as of September 22, 2026. | ||||
About Our Stroudsburg, Pennsylvania Savings Rate Database
MonitorBankRates found 5 institutions with branches in Stroudsburg (3 banks, 2 credit unions), plus 20 additional state-chartered and national online institutions available to Stroudsburg residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Utilities Employees Credit Union offers a savings account at 2.00% APY. Use the rate table above to compare all current offers in Stroudsburg, Pennsylvania.
How to Find the Best Savings Rates in Stroudsburg, Pennsylvania
What to compare when shopping for a savings account in Stroudsburg, Pennsylvania
To find the best savings APYs in Stroudsburg, Pennsylvania, start with credit unions and online-only banks: Stroudsburg, Pennsylvania has 14 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current PA high-yield savings average is 1.968% but top local institutions are offering as high as 2.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Stroudsburg, Pennsylvania high-yield savings rates currently average 1.968% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Stroudsburg, Pennsylvania institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 25 institutions in Stroudsburg, Pennsylvania report savings rates to our database.
- You’re among Stroudsburg, Pennsylvania’s 27.6% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Stroudsburg, Pennsylvania CD rates
- You want check-writing flexibility → Stroudsburg, Pennsylvania money market rates
- You need daily transaction access → Stroudsburg, Pennsylvania checking rates
Stroudsburg, Pennsylvania Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
27.6% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market. At today’s PA high-yield savings average of 1.968%, saving 10% of the local median salary ($3,218/year) would earn an additional $63 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Stroudsburg, Pennsylvania Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Stroudsburg, Pennsylvania.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current PA Avg APY | 1.968% | 0.814% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Stroudsburg, Pennsylvania averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Stroudsburg, Pennsylvania
At PA’s top rate of 2.00% from Utilities Employees Credit Union, a $10,000 deposit earns $200 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Stroudsburg, Pennsylvania earner is roughly $8,000. At 1.968% APY, saving $670/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsPennsylvania’s high-yield savings average is 1.968% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Stroudsburg, Pennsylvania earner makes $32,186/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.968% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.968% APY grows to roughly $36,918 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Stroudsburg, Pennsylvania savings 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 Savings Rate Data: We aggregate savings account rates for Stroudsburg, Pennsylvania directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Stroudsburg, Pennsylvania. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Stroudsburg, Pennsylvania
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Stroudsburg, Pennsylvania safe?
How often do savings rates change in Stroudsburg, Pennsylvania?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Stroudsburg, Pennsylvania?
How do I open a savings account in Stroudsburg, Pennsylvania?
Best Savings Rates in Stroudsburg, Pennsylvania
- Utilities Employees Credit Union
Money Market Savings Account: 2.00% APY - First Northern Bank and Trust Company
Royal Savings: 0.25% APY - Wells Fargo
Platinum Savings: 0.05% APY - First Keystone Community Bank
Key Savings: 0.05% APY - Polish And Slavic Federal Credit Union
Business Savings Accounts: 0.01% APY
Stroudsburg, Pennsylvania Rates & Resources
