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Pennsylvania IRA CD Rates

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 - February 14, 2016

BANKS APY Term MIN MILES ?
Unity Bank 2.15% 60 $1,000 -
The First National Bank of Mifflintown 2.12% 99 $1,000 -
Community First Bank 2.10% 54 $1 -
Royal Bank America 2.05% 48 $1,000 -
The Juniata Valley Bank 2.01% 90 $1,000 -
National Penn Bank 2.00% 58 $500 -
Metro Bank 2.00% 55 $500 -
Slovenian Savings and Loan Association of Canonsburg 2.00% - $50 -
Unity Bank 1.90% 48 $1,000 -
The Juniata Valley Bank 1.85% 54 $1,000 -
The First National Bank of Mifflintown 1.81% 66 $1,000 -
The Honesdale National Bank 1.81% 60 $1,000 -
First Niagara Bank, National Association 1.75% 60 $500 -
Unity Bank 1.75% 45 $1,000 -
Riverview Bank 1.75% 59 $500 -
Fifth Third Bank 1.75% 60 $5,000 -
Kish Bank 1.66% 60 $2,000 -
Unity Bank 1.65% 36 $1,000 -
National Penn Bank 1.65% 46 $500 -
Jersey Shore State Bank 1.60% 36 $5,000 -
Phoenixville Federal Bank and Trust 1.60% 39 $1,000 -
First National Bank of Pennsylvania 1.60% 52 $500 -
Fifth Third Bank 1.60% 48 $5,000 -
Community State Bank of Orbisonia 1.56% - $2,000 -
Lafayette Ambassador Bank 1.56% 60 $250 -
The First National Bank of Mifflintown 1.51% 36 $1,000 -
Marquette Savings Bank 1.51% 31 $500 -
First Niagara Bank, National Association 1.50% 36 $500 -
Riverview Bank 1.50% 120 $500 -
The Farmers National Bank of Emlenton 1.50% 54 $5,000 -
S&T Bank 1.50% 24 $1,000 -
Wayne Bank 1.50% 60 $500 -
Unity Bank 1.50% 35 $1,000 -
Ambler Savings Bank 1.45% 40 $1,000 -
Wayne Bank 1.40% 48 $500 -
Community First Bank 1.40% 39 $1 -
First Priority Bank 1.40% 30 $500 -
Riverview Bank 1.40% 35 $500 -
Unity Bank 1.40% 24 $1,000 -
National Penn Bank 1.40% 34 $500 -
Manufacturers and Traders Trust Company 1.36% 60 $1 -
Kish Bank 1.35% - $500 -
Lafayette Ambassador Bank 1.35% 48 $250 -
Union Community Bank 1.35% 25 $5,000 -
Firstrust Savings Bank 1.35% 60 $2,500 -
First National Bank of Pennsylvania 1.35% 35 $500 -
Elderton State Bank 1.34% 34 $50,000 -
Centric Bank 1.34% 25 $1,000 -
The First National Bank of Mifflintown 1.31% 27 $1 -
Fifth Third Bank 1.30% 36 $5,000 -
Mifflinburg Bank and Trust Company 1.30% 36 $500 -
First Niagara Bank, National Association 1.30% 24 $500 -
Asian Bank 1.28% 18 $1,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 1.25% 48 $100,000 -
Branch Banking and Trust Company 1.25% 25 $1,000 -
Unity Bank 1.25% 30 $1,000 -
The Victory Bank 1.25% 36 $500 -
CFSBANK 1.25% 36 $1,000 -
Phoenixville Federal Bank and Trust 1.25% 27 $1,000 -
ACNB Bank 1.25% 33 $1,000 -
Riverview Bank 1.25% 23 $500 -
Elderton State Bank 1.24% 34 $10,000 -
Manufacturers and Traders Trust Company 1.21% 60 $1 -
Huntingdon Valley Bank 1.20% 45 $500 -
Kish Bank 1.20% 60 $2,000 -
Penn Liberty Bank 1.20% 42 $1,000 -
Parke Bank 1.20% 13 $500 -
Centric Bank 1.20% 23 $1,000 -
The Luzerne Bank 1.17% 17 $500 -
First Niagara Bank, National Association 1.15% 12 $500 -
Elderton State Bank 1.14% 34 $2,500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 1.13% 48 $500 -
Manufacturers and Traders Trust Company 1.11% 60 $1 -
Fox Chase Bank 1.10% 30 $500 -
Wayne Bank 1.06% 18 $1,000 -
Manufacturers and Traders Trust Company 1.01% 60 $1 -
1st Summit Bank 1.01% - $100 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 1.00% 36 $100,000 -
Branch Banking and Trust Company 1.00% 18 $1,000 -
United Bank 1.00% 55 $500 -
Firstrust Savings Bank 1.00% 14 $2,500 -
Ambler Savings Bank 1.00% 18 $1,000 -
Penn Liberty Bank 1.00% 33 $1,000 -
Wayne Bank 1.00% 36 $500 -
The First National Bank of Lilly 1.00% - $500 -
Phoenixville Federal Bank and Trust 1.00% 14 $1,000 -
Fifth Third Bank 1.00% 24 $5,000 -
First National Community Bank 1.00% 24 $1,000 -
Unity Bank 1.00% 15 $1,000 -
First National Bank of Pennsylvania 1.00% 19 $500 -
Ambler Savings Bank 0.90% - $1,000 -
Kish Bank 0.90% 24 $2,000 -
Marion Center Bank 0.90% 30 $500 -
United Bank 0.90% 49 $500 -
Iron Workers Savings Bank 0.90% 11 $5,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.88% 36 $500 -
Enterprise Bank 0.86% - $500 -
Penn Liberty Bank 0.85% 26 $750 -
Conestoga Bank 0.85% - $500 -
Elderton State Bank 0.85% 19 $50,000 -
Stonebridge Bank 0.85% - $500 -
Royal Bank America 0.85% - $1,000 -
Conestoga Bank 0.80% 9 $500 -
Greenville Savings Bank 0.80% - $500 -
The Farmers National Bank of Emlenton 0.80% 24 $5,000 -
United Bank 0.80% 43 $500 -
ACNB Bank 0.80% 13 $1,000 -
First Choice Bank 0.80% - $1,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.75% 24 $100,000 -
Lafayette Ambassador Bank 0.75% 30 $1,000 -
Citizens Bank of Pennsylvania 0.75% 13 $1,000 -
Royal Bank America 0.75% - $1,000 -
Elderton State Bank 0.75% 19 $10,000 -
The Victory Bank 0.75% - $500 -
First CornerStone Bank 0.75% - $1,000 -
Fifth Third Bank 0.75% 18 $5,000 -
First Commonwealth Bank 0.70% 10 $5,000 -
United Bank 0.70% 37 $500 -
C&G Savings Bank 0.70% - $100 -
Northwest Bank 0.70% 36 $500 -
Univest Bank and Trust Co. 0.70% - $500 -
First Priority Bank 0.65% - $500 -
The Mars National Bank 0.65% 54 $1,000 -
Firstrust Savings Bank 0.65% 35 $500 -
The Honesdale National Bank 0.65% 13 $1,000 -
Northwest Bank 0.65% 36 $500 -
Brentwood Bank 0.65% - $2,000 -
The Farmers National Bank of Canfield 0.65% 37 $500 -
Elderton State Bank 0.65% 19 $2,500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.63% 24 $500 -
Hometown Bank of Pennsylvania 0.60% - $1,000 -
The Muncy Bank and Trust Company 0.60% - $100 -
New Tripoli Bank 0.60% - $500 -
United Bank 0.60% 31 $500 -
First Commonwealth Bank 0.60% 6 $5,000 -
Parke Bank 0.60% - $500 -
Cresson Community Bank 0.60% 13 $500 -
Customers Bank 0.60% - $500 -
Northwest Bank 0.60% 36 $500 -
Citizens & Northern Bank 0.60% - $1,000 -
Univest Bank and Trust Co. 0.55% - $5 -
Citizens Bank of Pennsylvania 0.55% 17 $1,000 -
Iron Workers Savings Bank 0.55% - $250 -
Prudential Savings Bank 0.55% 12 $250 -
Northwest Bank 0.55% 36 $500 -
York Traditions Bank 0.55% - $500 -
The Neffs National Bank 0.55% - $250 -
Washington Savings Bank 0.55% - $250 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.50% 13 $100,000 -
The Huntington National Bank 0.50% 19 $1 -
S&T Bank 0.50% 10 $1,000 -
Wayne Bank 0.50% - $500 -
Altoona First Savings Bank 0.50% - $100 -
Beneficial Bank 0.50% - $500 -
Malvern Federal Savings Bank 0.50% - $500 -
United Bank 0.50% 25 $500 -
First National Community Bank 0.50% - $1,000 -
Fidelity Savings and Loan Association of Bucks Co 0.50% - $500 -
Firstrust Savings Bank 0.50% 23 $500 -
Penn Liberty Bank 0.50% - $750 -
Manufacturers and Traders Trust Company 0.50% 24 $1 -
Asian Bank 0.50% - $1,000 -
Hatboro Federal Savings, FA 0.50% - $1,000 -
Republic Bank 0.50% - $500 -
Cresson Community Bank 0.50% - $500 -
Lafayette Ambassador Bank 0.50% 18 $1,000 -
NBT Bank, National Association 0.50% - $1,000 -
William Penn Bank 0.50% - $1,000 -
ESSA Bank & Trust 0.50% - $1,000 -
Wells Fargo Bank, National Association 0.50% 58 $2,500 -
Chemung Canal Trust Company 0.50% 25 $25,000 -
First Keystone Community Bank 0.50% - $500 -
First Northern Bank and Trust Company 0.50% - $1,000 -
The Dime Bank 0.45% - $2,500 -
Port Richmond Savings 0.45% - $500 -
VIST Bank 0.45% - $500 -
The Mars National Bank 0.45% 42 $1,000 -
Northwest Bank 0.45% 18 $500 -
Peoples Security Bank and Trust Company 0.45% - $1,000 -
First Columbia Bank & Trust Co. 0.45% - $100 -
The Honesdale National Bank 0.40% - $1,000 -
Bucks County Bank 0.40% - $1,000 -
United Savings Bank 0.40% - $1,000 -
MileStone Bank 0.40% - $500 -
Polonia Bank 0.40% - $500 -
Marquette Savings Bank 0.40% - $500 -
Northwest Bank 0.40% 12 $500 -
Riverview Bank 0.40% - $500 -
United Bank 0.40% 19 $500 -
Unity Bank 0.40% - $500 -
West View Savings Bank 0.40% - $500 -
Prudential Savings Bank 0.40% 9 $5,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.38% - $500 -
Prudential Savings Bank 0.37% 6 $5,000 -
First Federal Savings and Loan Association of Greene Co 0.35% - $500 -
The Farmers National Bank of Canfield 0.35% 19 $500 -
First National Bank of Pennsylvania 0.35% 13 $500 -
First Community Bank of Mercersburg 0.35% - $500 -
Milton Savings Bank 0.35% - $100 -
First Savings Bank of Perkasie 0.35% - $500 -
The Gratz Bank 0.35% - $500 -
Investment Savings Bank 0.35% - $500 -
Huntingdon Valley Bank 0.35% - $500 -
West Milton State Bank 0.35% - $100 -
National Penn Bank 0.35% - $500 -
Reliance Savings Bank 0.35% - $500 -
CNB Bank 0.35% - $2,000 -
Citizens Bank of Pennsylvania 0.35% 8 $1,000 -
QNB Bank 0.35% - $500 -
Howard Bank 0.35% - $500 -
Northwest Bank 0.35% 12 $500 -
First United National Bank 0.35% - $50 -
The Juniata Valley Bank 0.35% - $1,000 -
Mifflin County Savings Bank 0.35% - $1,000 -
Somerset Trust Company 0.35% - $500 -
Indiana First Savings Bank 0.30% - $100 -
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania 0.30% - $100 -
Citizens Savings Bank 0.30% - $100 -
The Huntington National Bank 0.30% 14 $1 -
Wilmington Savings Fund Society, FSB 0.30% - $2,500 -
Riverview Bank 0.30% - $500 -
Phoenixville Federal Bank and Trust 0.30% - $500 -
First Niagara Bank, National Association 0.30% - $500 -
The Bank of Landisburg 0.30% - $500 -
Standard Bank, PaSB 0.30% - $1,000 -
Marquette Savings Bank 0.30% 9 $500 -
First National Bank of Pennsylvania 0.30% - $500 -
Metro Bank 0.30% - $250 -
Bank of Bird-in-Hand 0.30% - $500 -
Northwest Bank 0.30% 12 $500 -
United Bank 0.30% 13 $500 -
Wells Fargo Bank, National Association 0.30% 39 $2,500 -
Jim Thorpe Neighborhood Bank 0.25% - $500 -
TD Bank, National Association 0.25% - $250 -
The Ephrata National Bank 0.25% - $500 -
Union Community Bank 0.25% - $500 -
Firstrust Savings Bank 0.25% 9 $500 -
Washington Financial Bank 0.25% - $500 -
The Juniata Valley Bank 0.25% - $1,000 -
Elderton State Bank 0.25% - $1,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.25% 7 $500 -
Farmers and Merchants Trust Company of Chambersburg 0.25% - $5,000 -
Merchants Bank of Bangor 0.25% - $1,000 -
Ameriserv Financial Bank 0.25% - $1,000 -
Woodlands Bank 0.25% - $250 -
Marion Center Bank 0.25% - $500 -
First National Bank and Trust Company of Newtown 0.25% - $500 -
PS Bank 0.25% - $500 -
The Mars National Bank 0.25% 28 $1,000 -
First Commonwealth Bank 0.25% - $500 -
Centric Bank 0.23% - $1,000 -
Harleysville Savings Bank 0.21% - $500 -
The First National Bank of Mifflintown 0.20% - $500 -
Wesbanco Bank, Inc. 0.20% - $1,000 -
Chemung Canal Trust Company 0.20% - $1,000 -
Fox Chase Bank 0.20% - $500 -
DNB First, National Association 0.20% - $1,000 -
CFSBANK 0.20% - $1,000 -
Fleetwood Bank 0.20% - $500 -
Community Bank 0.20% - $500 -
ACNB Bank 0.20% - $500 -
Clarion County Community Bank 0.20% - $500 -
Branch Banking and Trust Company 0.20% - $500 -
United Bank of Philadelphia 0.20% - $500 -
The Home Savings and Loan Company of Youngstown, Ohio 0.20% - $500 -
The Farmers National Bank of Emlenton 0.20% - $500 -
Mercer County State Bank 0.20% - $500 -
Northwest Bank 0.20% - $500 -
Mid Penn Bank 0.20% - $500 -
First Commonwealth Bank 0.20% - $500 -
Wells Fargo Bank, National Association 0.20% 26 $2,500 -
Apollo Trust Company 0.20% - $500 -
Community First Bank 0.20% - $1 -
Dollar Bank, Federal Savings Bank 0.20% - $500 -
United Bank 0.20% 7 $500 -
Wells Fargo Bank, National Association 0.16% 24 $1 -
PNC Bank, National Association 0.15% - $1,000 -
Swineford National Bank 0.15% - $1,000 -
Landmark Community Bank 0.15% - $500 -
FNB Bank, National Association 0.15% - $500 -
Mauch Chunk Trust Company 0.15% - $500 -
The Huntington National Bank 0.15% 7 $1 -
PeoplesBank, a Codorus Valley Company 0.15% - $100 -
United Bank 0.15% - $500 -
S&T Bank 0.15% - $500 -
Allegheny Valley Bank of Pittsburgh 0.15% - $500 -
Embassy Bank for the Lehigh Valley 0.15% - $500 -
Firstmerit Bank, National Association 0.15% - $1 -
The Bryn Mawr Trust Company 0.15% - $1,000 -
First Commonwealth Bank 0.15% - $500 -
MB Financial Bank, National Association 0.15% - $1,000 -
Northwest Bank 0.15% - $500 -
First Citizens Community Bank 0.15% - $250 -
NEXTIER BANK, NATIONAL ASSOCIATION 0.15% - $500 -
Woodforest National Bank 0.15% - $500 -
National Penn Bank 0.15% 5 $500 -
PNC Bank, National Association 0.13% - $1,000 -
The Luzerne Bank 0.12% - $200 -
Firstrust Savings Bank 0.10% - $1,000 -
Jersey Shore State Bank 0.10% - $200 -
The Mars National Bank 0.10% - $1,000 -
The Provident Bank 0.10% - $500 -
United Bank 0.10% 3 $500 -
The Huntington National Bank 0.10% 14 $2,000,000 -
The Northumberland National Bank 0.10% - $500 -
Community Bank, National Association 0.10% - $1,000 -
Manufacturers and Traders Trust Company 0.10% - $1,000 -
The Farmers National Bank of Canfield 0.10% - $500 -
Citizens Bank of Pennsylvania 0.10% 13 $250 -
The Turbotville National Bank 0.10% - $500 -
Santander Bank, N.A. 0.10% - $500 -
PNC Bank, National Association 0.10% - $1,000 -
Commercial Bank and Trust of PA 0.10% - $250 -
Lafayette Ambassador Bank 0.10% - $1,000 -
Wells Fargo Bank, National Association 0.10% 9 $2,500 -
Bank of America, National Association 0.07% 12 $2,000 -
Fifth Third Bank 0.05% - $500 -
Wells Fargo Bank, National Association 0.05% - $1 -
Fulton Bank, National Association 0.05% - $500 -
Bank of America, National Association 0.05% - $1 -
The Fidelity Deposit and Discount Bank 0.05% - $250 -
Bank of America, National Association 0.04% 9 $2,000 -
Citizens Bank of Pennsylvania 0.03% - $250 -


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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.

  • Carolyn Hornyak

    January 18, 2016

    I saw in the Phoenix, Arizona an ad for Sun Cities Financial Group advertising a high yield CD special for 4.40%? Is this legitimate?

    Carolyn

  • JOHN

    January 14, 2016

    MORE USELESS INFO. NO LENGHT OF TERM LISTED. ONLY USEFULL INFO IS NAME OF INSTITUTION SO I CAN PHONE THEM.

  • Chotzey

    December 30, 2015

    To lock in @ 5 years may be risky. When watching MSNBC the other day they were saying rates are to be gradually going up. May be a gamble, but everything is.

  • Ray P

    December 30, 2015

    None of the rates shown can be found at any of the banks. The actual bank rates are almost half of what is shown here.

  • Lori Martin

    January 09, 2015

    Jack:

    ??? Looked up rates at PenFed (we're a member) and they show a 5 yr at 1.76%. The last time it was 3.0 and over (3.04) was in Dec. 2013 (for the 5 & 7 year).

  • Jack Mazer

    January 27, 2014

    Penfed offers a 60 month cd at 3 percent.

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