West Chester, Pennsylvania (PA) Savings Rates - March 2026
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The savings 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.
The best savings rates for West Chester, Pennsylvania and the surrounding area include Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union110 W Rosedale Ave, West Chester, PA 19383A+5.0 ★Texas Ratio: 5.69% Youth Savings at 4.00% APY, BHCU Credit UnionBHCU Credit Union1 N 5 Points Rd, West Chester, PA 19380 4726A+5.0 ★Texas Ratio: 4.44% iSAVE Savings at 3.35% APY, Franklin Mint Federal Credit UnionFranklin Mint Federal Credit Union400 E Market St, West Chester, PA 19382 2744A5.0 ★Texas Ratio: 7.37% BUSINESS POWER SAVINGS at 3.25% APY, PNC BankPNC Bank1599 W Chester Pike, West Chester, PA 19382A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Benchmark Federal Credit UnionBenchmark Federal Credit Union1522 McDaniel Dr, West Chester, PA 19380A+5.0 ★Texas Ratio: 2.63% POWER SAVINGS at 3.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in West Chester, Pennsylvania, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in West Chester, Pennsylvania (PA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in West Chester, Pennsylvania and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in West Chester, Pennsylvania & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
110 W Rosedale Ave, West Chester, PA 19383
Youth Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
BHCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
1 N 5 Points Rd, West Chester, PA 19380 4726
iSAVE Savings
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
High Yield Savings up to 3.35% APY; No fees; No fixed term; Insured up to $500,000 (NCUA - $250,000) and (Excess Share Insurance - $250,000); Each member can have multiple iSAVE accounts
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
BUSINESS POWER SAVINGS
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1599 W Chester Pike, West Chester, PA 19382
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1522 McDaniel Dr, West Chester, PA 19380
POWER SAVINGS
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
POWER SAVINGS
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
BUSINESS POWER SAVINGS
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1522 McDaniel Dr, West Chester, PA 19380
POWER SAVINGS
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Meridian Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
16 W Market St, West Chester, PA 19382
Essential Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
POWER SAVINGS
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1522 McDaniel Dr, West Chester, PA 19380
SUPER SAVER SAVINGS
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
BUSINESS SUPER SAVER SAVINGS
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
SUPER SAVER SAVINGS
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
AUXILIARY SAVINGS
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
Star Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
110 W Rosedale Ave, West Chester, PA 19383
Youth Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
Star Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
AUXILIARY SAVINGS
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
110 W Rosedale Ave, West Chester, PA 19383
Regular savings share account
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Pennsylvania State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
110 W Rosedale Ave, West Chester, PA 19383
Savings Shares (Regular, Additional & IRA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
Auxiliary Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
Star Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
BUSINESS SUPER SAVER SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
STATEMENT SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
Auxiliary Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1209 W Chester Pike, West Chester, PA 19382 5646
Star Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1522 McDaniel Dr, West Chester, PA 19380
POWER SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1522 McDaniel Dr, West Chester, PA 19380
STATEMENT SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
BUSINESS POWER SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
BUSINESS STATEMENT SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
POWER SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
400 E Market St, West Chester, PA 19382 2744
SUPER SAVER SAVINGS
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
116 W Market St, West Chester, PA 19382
Health Savings Account
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$14,999.01 +
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
116 W Market St, West Chester, PA 19382
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$4,999.01 - $14,999
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
1115 W Chester Pike, West Chester, PA 19382
Preferred Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $100,000.00
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17 N High St, West Chester, PA 19380
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17 N High St, West Chester, PA 19380
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
116 W Market St, West Chester, PA 19382
Health Savings Account
0.04%
$0
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$999.01 - $4,999
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1599 W Chester Pike, West Chester, PA 19382
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17 N High St, West Chester, PA 19380
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1599 W Chester Pike, West Chester, PA 19382
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
116 W Market St, West Chester, PA 19382
Health Savings Account
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
$100 - $999
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
116 W Market St, West Chester, PA 19382
Statement Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
237 E Gay St, West Chester, PA 19380
My Savings
0.01%
$7,500
▼
Rate0.01%
Min Deposit$7,500
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17 N High St, West Chester, PA 19380
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Mid Penn Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
237 E Gay St, West Chester, PA 19380
Simple Savings
0.01%
$7,500
▼
Rate0.01%
Min Deposit$7,500
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17 N High St, West Chester, PA 19380
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Brentwood Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
411 Mcmurray Rd, Bethel Park, PA 15102
NexGen Savings
5.00%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
NET
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1444 E Lackawanna St, Olyphant, PA 18447 2174
Checking Plus: Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
NET
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1444 E Lackawanna St, Olyphant, PA 18447 2174
Digital Checking: Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
7634 Cox Ln, West Chester, OH 45069
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
440 W Linfield Trappe Rd, Limerick, PA 19468
Online High Yield Savings Account
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1700 Sullivan Trl, Easton, PA 18040
eSavings
3.50%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Customers Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
40 General Warren Blvd, Malvern, PA 19355
Yield Shield Savings Account
3.48%
$25,000
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details
This rate will adjust to always be the midpoint of Fed Funds Target Range minus 0.15% which is currently 3.63% - 0.15% for an APY* of 3.48%. Applicable for consumers only. Fees could reduce earnings on the account. Offer may be withdrawn at any time. Debit card and checks are not available on this account. Available online only.
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
7615 Voice Of America Centre Dr, West Chester, OH 45069
Collateral - Statement Savings
3.25%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
over current rate account is earning
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
7300 Old York Rd, Elkins Park, PA 19027
WooriWON Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Online Only
Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
1700 Sullivan Trl, Easton, PA 18040
eSavings
3.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
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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.
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.
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.
West Chester, PA Savings Rate Trends
Compare local West Chester, PA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — PA Avg
1.193%
▲ 1.143 from last week
Pennsylvania high-yield savings rates rose 1.143 points this week to 1.193% APY, up from 0.050% last week.
Standard Savings — PA Avg
0.356%
▲ 0.119 from last week
Pennsylvania standard savings rates rose 0.119 points this week to 0.356% APY, up from 0.237% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for West Chester, 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 West Chester, 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 West Chester, Pennsylvania
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Pennsylvania, help your money grow faster through a higher APY.
Are savings accounts in West Chester, Pennsylvania safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Pennsylvania up to $250,000 per depositor, per institution.
How often do savings rates change in West Chester, Pennsylvania?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Pennsylvania rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in West Chester, Pennsylvania may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in West Chester, Pennsylvania?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in West Chester, Pennsylvania offer in-person customer service, which some customers prefer.
How do I open a savings account in West Chester, Pennsylvania?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in West Chester, Pennsylvania
Here are recent savings rates observed in West Chester, Pennsylvania and the surrounding area:
- Pennsylvania State Employees Credit Union
Youth Savings — 4.00% APY - BHCU Credit Union
iSAVE Savings — 3.35% APY - Franklin Mint Federal Credit Union
BUSINESS POWER SAVINGS — 3.25% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Benchmark Federal Credit Union
POWER SAVINGS — 3.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in West Chester, Pennsylvania. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
West Chester, Pennsylvania Rates & Resources
