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Pennsylvania Credit Union IRA CD Rates 2018

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

PA - July 15, 2018

Credit UnionS APY Term MIN MIN?
American Heritage
Restrictions
4.00% 4 $1,000 -
Philadelphia
Restrictions
3.50% 12 $500 -
3.00% 60 $1,000 -
Erie
Restrictions
2.75% 61 $1,000 -
Cacl
Restrictions
2.75% 61 $500 -
Patriot
Restrictions
2.60% 39 $250,001 -
Patriot
Restrictions
2.55% 39 $100,000 -
2.55% 50 $500 -
Patriot
Restrictions
2.50% 39 $25,000 -
Members 1st
Restrictions
2.50% 48 $500 -
Patriot
Restrictions
2.45% 39 $10,000 -
Erie
Restrictions
2.40% 37 $1,000 -
2.38% - $500 -
Sun
Restrictions
2.38% 48 $1,000 -
Visions
Restrictions
2.38% 36 $500 -
Patriot
Restrictions
2.37% 22 $250,000 -
Xceed Financial
Restrictions
2.35% 15 $500 -
Patriot
Restrictions
2.32% 22 $100,000 -
Members 1st
Restrictions
2.30% 25 $500 -
Patriot
Restrictions
2.27% 22 $25,000 -
2.25% 35 $500 -
2.25% 18 $1,000 -
Cacl
Restrictions
2.25% 37 $500 -
2.25% 13 $500 -
Patriot
Restrictions
2.22% 22 $10,000 -
Pentagon
Restrictions
2.15% - $1,000 -
Sun
Restrictions
2.12% 36 $1,000 -
Net
Restrictions
2.07% 20 $1,000 -
Patriot
Restrictions
2.05% 15 $250,001 -
2.05% 14 $500 -
Inspire
Restrictions
2.01% 12 $500 -
Erie
Restrictions
2.00% 13 $1,000 -
Patriot
Restrictions
2.00% 15 $100,000 -
Members 1st
Restrictions
2.00% 15 $500 -
Patriot
Restrictions
1.95% 15 $25,000 -
Patriot
Restrictions
1.90% 15 $10,000 -
Hidden River
Restrictions
1.87% - $500 -
Trumark Financial
Restrictions
1.85% - $500 -
American Heritage
Restrictions
1.81% - $1,000 -
Patriot
Restrictions
1.80% - $1,000 -
1.77% 6 $500 -
1.76% - $1,000 -
Ardent
Restrictions
1.75% - $100 -
Franklin Mint
Restrictions
1.75% - $500 -
South Jersey
Restrictions
1.75% - $1,000 -
Cacl
Restrictions
1.75% - $500 -
People First
Restrictions
1.75% 15 $500 -
Police & Fire
Restrictions
1.75% - $500 -
Cacl
Restrictions
1.74% 13 $500 -
Eagle One
Restrictions
1.71% - $500 -
Widget Financial
Restrictions
1.71% - $1,000 -
1.70% - $500 -
Freedom
Restrictions
1.70% - $500 -
Net
Restrictions
1.69% 25 $1,000 -
Sun East
Restrictions
1.65% - $500 -
Citadel
Restrictions
1.65% - $500 -
Philadelphia
Restrictions
1.65% - $500 -
1.65% - $500 -
Benchmark
Restrictions
1.65% - $500 -
Ufcw Community
Restrictions
1.61% 36 $1,000 -
1.61% - $500 -
Century Heritage
Restrictions
1.60% - $500 -
Ufcw Community
Restrictions
1.51% 24 $1,000 -
Inspire
Restrictions
1.51% 15 $500 -
Democracy
Restrictions
1.51% - $500 -
1.51% 9 $500 -
Bayer Heritage
Restrictions
1.51% - $500 -
Chrome
Restrictions
1.50% - $500 -
Diamond
Restrictions
1.50% - $1,000 -
Frick Tri-county
Restrictions
1.50% - $500 -
Genisys
Restrictions
1.50% - $500 -
Clearview
Restrictions
1.50% - $1,000 -
1.46% - $500 -
Riverfront
Restrictions
1.45% - $1,000 -
Inspire
Restrictions
1.41% 9 $500 -
Xceed Financial
Restrictions
1.40% - $500 -
1.40% - $500 -
1.40% - $500 -
1.30% - $500 -
1.29% - $1,000 -
Ufcw Community
Restrictions
1.26% 12 $1,000 -
1.25% - $1,000 -
1.25% - $1,000 -
Penn East
Restrictions
1.20% 37 $1,000 -
Sun
Restrictions
1.11% - $500 -
Erie
Restrictions
1.11% - $1,000 -
1.10% - $1,000 -
1.10% - $500 -
1.10% - $1,000 -
Discovery
Restrictions
1.05% - $500 -
1.01% - $1,000 -
Visions
Restrictions
1.01% - $500 -
1.00% 15 $500 -
People First
Restrictions
1.00% - $500 -
0.90% - $500 -
Guthrie
Restrictions
0.90% - $1,000 -
Tri County Area
Restrictions
0.90% - $500 -
Corning
Restrictions
0.85% - $1,000 -
Ingersoll-rand
Restrictions
0.85% - $1,000 -
Spirit Financial
Restrictions
0.80% - $500 -
Members 1st
Restrictions
0.80% - $500 -
People First
Restrictions
0.75% 8 $500 -
0.75% - $1,000 -
Bellco
Restrictions
0.75% - $500 -
Net
Restrictions
0.75% - $1,000 -
Ufcw Community
Restrictions
0.70% - $500 -
Service 1st
Restrictions
0.70% - $500 -
The United
Restrictions
0.70% 36 $25,000 -
Norristown Bell
Restrictions
0.68% - $500 -
0.65% - $500 -
0.60% - $2,000 -
First Heritage
Restrictions
0.60% - $1,000 -
0.60% - $500 -
Ussco Johnstown
Restrictions
0.50% - $500 -
Everence
Restrictions
0.50% - $500 -
0.50% - $500 -
Vantage Trust
Restrictions
0.45% - $1 -
0.40% - $500 -
0.40% - $500 -
Clarion
Restrictions
0.40% - $250 -
Spe
Restrictions
0.35% - $500 -
The United
Restrictions
0.35% 10 $1,000 -
Parda
Restrictions
0.35% - $500 -
Fedchoice
Restrictions
0.35% - $500 -
0.35% - $500 -
Penn East
Restrictions
0.35% - $1,000 -
Hershey
Restrictions
0.30% - $500 -
Reliance
Restrictions
0.29% - $500 -
Lanco
Restrictions
0.25% - $500 -
The United
Restrictions
0.25% - $500 -
Penn State
Restrictions
0.25% - $500 -
0.20% - $500 -
Cross Valley
Restrictions
0.01% - $1,000 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


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PRODUCT INFORMATION


Fixed Rate IRA CDs

Fixed Rate IRA CDs are CDs that are held within an Individual Retirement Account (IRA) or a Roth Retirement Account. In an IRA, the funds are deposited pre-tax and allowed to accumulate tax free. When the individual retires, they are withdrawn and all earnings are taxed at the prevailing tax rate. Because individuals generally have lower incomes upon retirement, the tax rate is lower than what it would have been during their working years.

With a Roth IRA, post-tax funds are deposited into the account and the money is allowed to accumulate and be withdrawn tax free.

If the funds are withdrawn before retirement age 59 1/2, the individual will be required to pay a 10% penalty on top of any taxes owed. There are some exceptions to this rule. Fund can be withdrawn penalty free if they are used to pay for education at an IRA qualifying institution or in the purchase of a house.

Advantages to a FIRA

  • Money grows in a tax-advantaged way.
  • Funds are FDIC insured, just like a regular CD.
  • Interest rates on FIRAs are often higher than the same terms for a CD.
  • Some flexibility in withdrawing the money early for first time homebuyers and education expenses.

Disadvantages to a FIRA

  • Returns may not be as high as stocks, bonds, mutual funds.
  • Funds cannot be withdrawn until 59 1/2 without penalty (except for IRS approved expenses).
  • If interest rates rise during the term of the FIRA, money will be stuck in lower yielding account.

Please click here for more information on fixed rate IRA CDs.

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