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Pennsylvania Credit Union IRA CD Rates 2017

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 - November 20, 2017

BANKS APY Term MIN MILES ?
AMERICAN HERITAGE
Restrictions
4.00% 4 $1,000 -
INSPIRE
Restrictions
2.02% 30 $500 -
PATRIOT
Restrictions
1.85% 39 $100,000 -
PATRIOT
Restrictions
1.80% 39 $10,000 -
MEMBERS 1ST
Restrictions
1.65% 25 $500 -
1.60% 50 $500 -
1.56% - $1,000 -
1.51% - $500 -
PATRIOT
Restrictions
1.45% 15 $100,000 -
INSPIRE
Restrictions
1.41% 15 $500 -
1.40% 14 $500 -
SUN EAST
Restrictions
1.40% 27 $500 -
PATRIOT
Restrictions
1.39% 15 $10,000 -
TRUMARK FINANCIAL
Restrictions
1.30% - $500 -
BAYER HERITAGE
Restrictions
1.26% - $500 -
SOUTH JERSEY
Restrictions
1.26% 18 $1,000 -
POLICE & FIRE
Restrictions
1.25% - $500 -
XCEED FINANCIAL
Restrictions
1.25% 15 $500 -
1.25% - $1,000 -
MEMBERS 1ST
Restrictions
1.25% 15 $500 -
1.25% - $1,000 -
1.25% 6 $500 -
SUN
Restrictions
1.21% - $500 -
INSPIRE
Restrictions
1.20% 9 $500 -
NET
Restrictions
1.19% 30 $1,000 -
AMERICAN HERITAGE
Restrictions
1.12% - $1,000 -
BENCHMARK
Restrictions
1.11% - $500 -
FREEDOM
Restrictions
1.11% - $500 -
1.11% 14 $500 -
DIAMOND
Restrictions
1.10% - $1,000 -
1.10% - $500 -
ARDENT
Restrictions
1.10% - $100 -
GENISYS
Restrictions
1.10% - $500 -
FRANKLIN MINT
Restrictions
1.10% - $500 -
CITADEL
Restrictions
1.10% - $500 -
PHILADELPHIA
Restrictions
1.10% - $500 -
VIRIVA COMMUNITY
Restrictions
1.06% 9 $500 -
DEMOCRACY
Restrictions
1.05% - $500 -
CENTURY HERITAGE
Restrictions
1.05% - $500 -
VIRIVA COMMUNITY
Restrictions
1.05% - $500 -
INSPIRE
Restrictions
1.00% - $500 -
HIDDEN RIVER
Restrictions
1.00% - $500 -
PATRIOT
Restrictions
1.00% - $1,000 -
PEOPLE FIRST
Restrictions
1.00% 15 $500 -
EAGLE ONE
Restrictions
1.00% - $500 -
SUN EAST
Restrictions
1.00% 13 $500 -
XCEED FINANCIAL
Restrictions
0.90% - $500 -
0.85% - $500 -
SPIRIT FINANCIAL
Restrictions
0.80% - $500 -
CLEARVIEW
Restrictions
0.80% - $1,000 -
PENN EAST
Restrictions
0.80% 37 $1,000 -
SUN EAST
Restrictions
0.75% - $500 -
FRICK TRI-COUNTY
Restrictions
0.75% - $500 -
0.75% - $500 -
ERIE COMMUNITY
Restrictions
0.75% - $1,000 -
0.70% - $1,000 -
THE UNITED
Restrictions
0.70% 36 $25,000 -
UFCW COMMUNITY
Restrictions
0.70% - $500 -
INGERSOLL-RAND
Restrictions
0.70% - $1,000 -
GUTHRIE
Restrictions
0.70% - $1,000 -
WIDGET
Restrictions
0.70% - $1,000 -
SERVICE 1ST
Restrictions
0.70% - $500 -
DISCOVERY
Restrictions
0.65% - $500 -
0.65% - $500 -
ERIE
Restrictions
0.65% - $1,000 -
VISIONS
Restrictions
0.65% - $500 -
0.60% 15 $500 -
0.60% - $500 -
0.55% - $500 -
0.55% - $500 -
CORNING
Restrictions
0.55% - $1,000 -
RIVERFRONT
Restrictions
0.50% - $1,000 -
CHROME
Restrictions
0.50% - $500 -
PEOPLE FIRST
Restrictions
0.50% 8 $500 -
0.50% - $250 -
MERHO
Restrictions
0.50% - $500 -
0.50% - $2,000 -
0.50% - $1,000 -
USX
Restrictions
0.45% - $500 -
VANTAGE TRUST
Restrictions
0.45% - $1 -
0.45% - $500 -
0.45% - $1,000 -
0.40% - $500 -
BELLCO
Restrictions
0.40% - $500 -
TRI COUNTY AREA
Restrictions
0.40% - $500 -
FEDCHOICE
Restrictions
0.40% - $500 -
0.40% - $500 -
0.40% - $1,000 -
CLARION
Restrictions
0.40% - $250 -
FIRST HERITAGE
Restrictions
0.40% - $1,000 -
PARDA
Restrictions
0.35% - $500 -
0.35% - $500 -
THE UNITED
Restrictions
0.35% 10 $1,000 -
0.35% - $1,000 -
SPE
Restrictions
0.35% - $500 -
SOUTH JERSEY
Restrictions
0.35% - $1,000 -
LEBANON
Restrictions
0.30% - $500 -
0.30% - $500 -
NET
Restrictions
0.30% - $1,000 -
PEOPLE FIRST
Restrictions
0.30% - $500 -
USSCO JOHNSTOWN
Restrictions
0.30% - $500 -
HERITAGE VALLEY
Restrictions
0.30% - $250 -
0.29% - $500 -
LANCO
Restrictions
0.25% - $500 -
HERSHEY
Restrictions
0.25% - $500 -
MEMBERS 1ST
Restrictions
0.25% - $500 -
PENN STATE
Restrictions
0.25% - $500 -
PENN EAST
Restrictions
0.25% - $1,000 -
THE UNITED
Restrictions
0.25% - $500 -
0.20% - $500 -
EVERENCE
Restrictions
0.15% - $500 -
CROSS VALLEY
Restrictions
0.01% - $1,000 -


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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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