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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 - May 29, 2016

BANKS APY Term MIN MILES ?
The First National Bank of Mifflintown 2.12% 99 $1,000 -
The Juniata Valley Bank 2.01% 90 $1,000 -
Branch Banking and Trust Company 2.00% 58 $500 -
S&T Bank 2.00% 60 $1,000 -
The Juniata Valley Bank 1.85% 54 $1,000 -
The Honesdale National Bank 1.81% 60 $1,000 -
The First National Bank of Mifflintown 1.81% 66 $1,000 -
First National Bank of Pennsylvania 1.75% 61 $500 -
Firstrust Savings Bank 1.75% 59 $2,500 -
Kish Bank 1.66% 60 $2,000 -
Branch Banking and Trust Company 1.65% 46 $500 -
First National Bank of Pennsylvania 1.60% 52 $500 -
First Niagara Bank, National Association 1.60% 60 $500 -
Phoenixville Federal Bank and Trust 1.60% 39 $1,000 -
MileStone Bank 1.60% 24 $10,000 -
Lafayette Ambassador Bank 1.56% 60 $250 -
Community State Bank of Orbisonia 1.56% - $2,000 -
Community First Bank 1.55% 54 $1 -
The First National Bank of Mifflintown 1.51% 36 $1,000 -
Wayne Bank 1.50% 60 $500 -
The Farmers National Bank of Emlenton 1.50% 54 $5,000 -
S&T Bank 1.50% 24 $1,000 -
Monument Bank 1.50% 30 $500 -
Wayne Bank 1.40% 48 $500 -
Branch Banking and Trust Company 1.40% 34 $500 -
Firstrust Savings Bank 1.40% 60 $1,000 -
Manufacturers and Traders Trust Company 1.36% 60 $1 -
Marquette Savings Bank 1.36% 31 $500 -
First National Bank of Pennsylvania 1.35% 35 $500 -
Lafayette Ambassador Bank 1.35% 48 $250 -
Kish Bank 1.35% - $500 -
Union Community Bank 1.35% 25 $5,000 -
Centric Bank 1.34% 25 $1,000 -
The First National Bank of Mifflintown 1.31% 27 $1 -
Mifflinburg Bank and Trust Company 1.30% 36 $500 -
First Niagara Bank, National Association 1.30% 36 $500 -
Bank of Bird-in-Hand 1.30% 24 $10,000 -
Asian Bank 1.28% 18 $1,000 -
Marion Center Bank 1.26% 36 $1,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 1.25% 48 $100,000 -
ACNB Bank 1.25% 33 $1,000 -
Riverview Bank 1.25% 12 $500 -
Community First Bank 1.25% 39 $1 -
The Bryn Mawr Trust Company 1.25% 12 $10,000 -
Elderton State Bank 1.25% 34 $50,000 -
CFSBANK 1.25% 36 $1,000 -
Phoenixville Federal Bank and Trust 1.25% 27 $1,000 -
Dollar Bank, Federal Savings Bank 1.25% 25 $2,500 -
Unity Bank 1.25% 45 $1,000 -
Manufacturers and Traders Trust Company 1.21% 60 $1 -
Centric Bank 1.20% 23 $1,000 -
Kish Bank 1.20% 60 $2,000 -
Huntingdon Valley Bank 1.20% 45 $500 -
Penn Liberty Bank 1.20% 42 $1,000 -
The Victory Bank 1.20% 24 $500 -
Elderton State Bank 1.15% 34 $10,000 -
First Niagara Bank, National Association 1.15% 24 $500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 1.13% 48 $500 -
Manufacturers and Traders Trust Company 1.11% 60 $1 -
The Mars National Bank 1.11% 22 $1,000 -
Landmark Community Bank 1.11% 18 $1,000 -
First Commonwealth Bank 1.10% 13 $5,000 -
Elderton State Bank 1.10% 18 $50,000 -
ESSA Bank & Trust 1.10% 24 $1,000 -
Wayne Bank 1.06% 18 $1,000 -
Elderton State Bank 1.06% 34 $2,500 -
Firstrust Savings Bank 1.05% 23 $2,500 -
Manufacturers and Traders Trust Company 1.01% 60 $1 -
First Niagara Bank, National Association 1.01% 12 $500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 1.00% 36 $100,000 -
Wayne Bank 1.00% 18 $500 -
United Bank 1.00% 55 $500 -
First National Community Bank 1.00% 24 $1,000 -
The First National Bank of Lilly 1.00% - $500 -
First National Bank of Pennsylvania 1.00% 19 $500 -
Branch Banking and Trust Company 1.00% 21 $1,000 -
Elderton State Bank 1.00% 18 $10,000 -
Phoenixville Federal Bank and Trust 1.00% 14 $1,000 -
C&G Savings Bank 1.00% 13 $1,000 -
Penn Liberty Bank 1.00% 33 $1,000 -
First Bank 1.00% - $500 -
MileStone Bank 1.00% 12 $10,000 -
Royal Bank America 0.95% - $1,000 -
United Bank 0.90% 49 $500 -
Marion Center Bank 0.90% 30 $500 -
Elderton State Bank 0.90% 18 $2,500 -
Kish Bank 0.90% 24 $2,000 -
Stonebridge Bank 0.90% - $500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.88% 36 $500 -
Royal Bank America 0.85% - $1,000 -
Firstrust Savings Bank 0.85% 14 $2,500 -
Conestoga Bank 0.85% - $500 -
Penn Liberty Bank 0.85% 26 $750 -
United Bank 0.80% 43 $500 -
ACNB Bank 0.80% 13 $1,000 -
The Farmers National Bank of Emlenton 0.80% 24 $5,000 -
The Mars National Bank 0.80% 11 $1,000 -
Conestoga Bank 0.80% 9 $500 -
Greenville Savings Bank 0.80% - $500 -
First Choice Bank 0.80% - $1,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.75% 24 $100,000 -
Wayne Bank 0.75% 7 $500 -
Branch Banking and Trust Company 0.75% 13 $1,000 -
Lafayette Ambassador Bank 0.75% 30 $1,000 -
Ambler Savings Bank 0.75% - $1,000 -
Enterprise Bank 0.75% - $500 -
The Victory Bank 0.75% - $500 -
Monument Bank 0.75% - $500 -
Wayne Bank 0.70% 7 $500 -
United Bank 0.70% 37 $500 -
Univest Bank and Trust Co. 0.70% - $500 -
Northwest Bank 0.70% 36 $500 -
C&G Savings Bank 0.70% - $100 -
York Traditions Bank 0.70% - $500 -
The Honesdale National Bank 0.65% 13 $1,000 -
Firstrust Savings Bank 0.65% 35 $1,000 -
Brentwood Bank 0.65% - $2,000 -
Northwest Bank 0.65% 36 $500 -
First Priority Bank 0.65% - $500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.63% 24 $500 -
United Bank 0.60% 31 $500 -
New Tripoli Bank 0.60% - $500 -
The Muncy Bank and Trust Company 0.60% - $100 -
Northwest Bank 0.60% 36 $500 -
Customers Bank 0.60% - $500 -
Parke Bank 0.60% - $500 -
Hometown Bank of Pennsylvania 0.60% - $1,000 -
MileStone Bank 0.60% 6 $10,000 -
The Neffs National Bank 0.55% - $250 -
Univest Bank and Trust Co. 0.55% - $5 -
Citizens & Northern Bank 0.55% - $1,000 -
Northwest Bank 0.55% 36 $500 -
Iron Workers Savings Bank 0.55% - $250 -
Washington Savings Bank 0.55% - $250 -
Landmark Community Bank 0.52% - $500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.50% 13 $100,000 -
Manufacturers and Traders Trust Company 0.50% 24 $1 -
Chemung Canal Trust Company 0.50% 25 $25,000 -
Wayne Bank 0.50% - $500 -
Wells Fargo Bank, National Association 0.50% 58 $2,500 -
The Huntington National Bank 0.50% 19 $1 -
United Bank 0.50% 25 $500 -
NBT Bank, National Association 0.50% - $1,000 -
First National Community Bank 0.50% - $1,000 -
First Northern Bank and Trust Company 0.50% - $1,000 -
Lafayette Ambassador Bank 0.50% 18 $1,000 -
S&T Bank 0.50% 10 $1,000 -
Beneficial Bank 0.50% - $500 -
Republic Bank 0.50% - $500 -
Altoona First Savings Bank 0.50% - $100 -
West View Savings Bank 0.50% 18 $5,000 -
William Penn Bank 0.50% - $1,000 -
Malvern Federal Savings Bank 0.50% - $500 -
ESSA Bank & Trust 0.50% - $1,000 -
Prudential Savings Bank 0.50% 13 $250 -
Hatboro Federal Savings, FA 0.50% - $1,000 -
Asian Bank 0.50% - $1,000 -
Penn Liberty Bank 0.50% - $750 -
First Columbia Bank & Trust Co. 0.45% - $100 -
First Keystone Community Bank 0.45% - $500 -
Peoples Security Bank and Trust Company 0.45% - $1,000 -
VIST Bank 0.45% - $500 -
The Dime Bank 0.45% - $2,500 -
Port Richmond Savings 0.45% - $500 -
Northwest Bank 0.45% 18 $500 -
United Bank 0.40% 19 $500 -
The Honesdale National Bank 0.40% - $1,000 -
Somerset Trust Company 0.40% - $500 -
West View Savings Bank 0.40% - $500 -
Northwest Bank 0.40% 12 $500 -
United Savings Bank 0.40% - $1,000 -
Polonia Bank 0.40% - $500 -
Prudential Savings Bank 0.40% 9 $5,000 -
Fidelity Savings and Loan Association of Bucks Co 0.40% - $500 -
Unity Bank 0.40% - $500 -
Bucks County Bank 0.40% - $1,000 -
MileStone Bank 0.40% - $500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.38% - $500 -
Prudential Savings Bank 0.37% 6 $5,000 -
Riverview Bank 0.35% - $500 -
First Community Bank of Mercersburg 0.35% - $500 -
The Juniata Valley Bank 0.35% - $1,000 -
QNB Bank 0.35% - $500 -
First United National Bank 0.35% - $50 -
First National Bank of Pennsylvania 0.35% 13 $500 -
West Milton State Bank 0.35% - $100 -
Branch Banking and Trust Company 0.35% - $500 -
The Andover Bank 0.35% - $1,000 -
CNB Bank 0.35% - $2,000 -
The Gratz Bank 0.35% - $500 -
Northwest Bank 0.35% 12 $500 -
Mifflin County Savings Bank 0.35% - $1,000 -
Milton Savings Bank 0.35% - $100 -
First Federal Savings and Loan Association of Greene Co 0.35% - $500 -
Reliance Savings Bank 0.35% - $500 -
Investment Savings Bank 0.35% - $500 -
First Savings Bank of Perkasie 0.35% - $500 -
Huntingdon Valley Bank 0.35% - $500 -
Marquette Savings Bank 0.35% - $500 -
Woodlands Bank 0.35% - $250 -
Clarion County Community Bank 0.35% - $500 -
Howard Bank 0.35% - $500 -
Wells Fargo Bank, National Association 0.30% 39 $2,500 -
The Huntington National Bank 0.30% 14 $1 -
United Bank 0.30% 13 $500 -
First National Bank of Pennsylvania 0.30% - $500 -
First Niagara Bank, National Association 0.30% - $500 -
Wilmington Savings Fund Society, FSB 0.30% - $2,500 -
Standard Bank, PaSB 0.30% - $1,000 -
Indiana First Savings Bank 0.30% - $100 -
Northwest Bank 0.30% 12 $500 -
Phoenixville Federal Bank and Trust 0.30% - $500 -
Marquette Savings Bank 0.30% 9 $500 -
Citizens Savings Bank 0.30% - $100 -
Bank of Bird-in-Hand 0.30% - $500 -
The Bank of Landisburg 0.30% - $500 -
PS Bank 0.25% - $500 -
Merchants Bank of Bangor 0.25% - $1,000 -
First Commonwealth Bank 0.25% - $500 -
The Ephrata National Bank 0.25% - $500 -
Ameriserv Financial Bank 0.25% - $1,000 -
Jim Thorpe Neighborhood Bank 0.25% - $500 -
First National Bank and Trust Company of Newtown 0.25% - $500 -
Marion Center Bank 0.25% - $500 -
Farmers and Merchants Trust Company of Chambersburg 0.25% - $5,000 -
Elderton State Bank 0.25% - $1,000 -
TD Bank, National Association 0.25% - $250 -
Firstrust Savings Bank 0.25% 9 $1,000 -
Washington Financial Bank 0.25% - $500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.25% 7 $500 -
Union Community Bank 0.25% - $500 -
Centric Bank 0.23% - $1,000 -
Harleysville Savings Bank 0.21% - $500 -
Mercer County State Bank 0.20% - $500 -
Chemung Canal Trust Company 0.20% - $1,000 -
Wesbanco Bank, Inc. 0.20% - $1,000 -
Wells Fargo Bank, National Association 0.20% 26 $2,500 -
Apollo Trust Company 0.20% - $500 -
The Farmers National Bank of Canfield 0.20% - $100 -
United Bank 0.20% 7 $500 -
DNB First, National Association 0.20% - $1,000 -
First Commonwealth Bank 0.20% - $500 -
ACNB Bank 0.20% - $500 -
The First National Bank of Mifflintown 0.20% - $500 -
Community Bank 0.20% - $500 -
The Farmers National Bank of Emlenton 0.20% - $500 -
Community First Bank 0.20% - $1 -
Branch Banking and Trust Company 0.20% - $500 -
Mid Penn Bank 0.20% - $500 -
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania 0.20% - $100 -
Fleetwood Bank 0.20% - $500 -
The Home Savings and Loan Company of Youngstown, Ohio 0.20% - $500 -
Northwest Bank 0.20% - $500 -
Fox Chase Bank 0.20% - $500 -
CFSBANK 0.20% - $1,000 -
Dollar Bank, Federal Savings Bank 0.20% - $500 -
United Bank of Philadelphia 0.20% - $500 -
Wells Fargo Bank, National Association 0.16% 24 $1 -
Mauch Chunk Trust Company 0.15% - $500 -
MB Financial Bank, National Association 0.15% - $1,000 -
Allegheny Valley Bank of Pittsburgh 0.15% - $500 -
PNC Bank, National Association 0.15% - $1,000 -
The Huntington National Bank 0.15% 7 $1 -
United Bank 0.15% - $500 -
FNB Bank, National Association 0.15% - $500 -
First Commonwealth Bank 0.15% - $500 -
First Citizens Community Bank 0.15% - $250 -
Swineford National Bank 0.15% - $1,000 -
NEXTIER BANK, NATIONAL ASSOCIATION 0.15% - $500 -
S&T Bank 0.15% - $500 -
The Bryn Mawr Trust Company 0.15% - $1,000 -
Firstmerit Bank, National Association 0.15% - $1 -
Woodforest National Bank 0.15% - $500 -
Northwest Bank 0.15% - $500 -
Embassy Bank for the Lehigh Valley 0.15% - $500 -
PNC Bank, National Association 0.13% - $1,000 -
The Luzerne Bank 0.12% - $200 -
Manufacturers and Traders Trust Company 0.10% - $1,000 -
Orrstown Bank 0.10% - $2,000 -
Wells Fargo Bank, National Association 0.10% 9 $2,500 -
PNC Bank, National Association 0.10% - $1,000 -
The Huntington National Bank 0.10% 14 $2,000,000 -
United Bank 0.10% 3 $500 -
Community Bank, National Association 0.10% - $1,000 -
First Citizens Community Bank 0.10% - $500 -
The Northumberland National Bank 0.10% - $500 -
The Turbotville National Bank 0.10% - $500 -
The Mars National Bank 0.10% - $1,000 -
First-Citizens Bank & Trust Company 0.10% - $1,000 -
Lafayette Ambassador Bank 0.10% - $1,000 -
Commercial Bank and Trust of PA 0.10% - $250 -
Jersey Shore State Bank 0.10% - $200 -
Firstrust Savings Bank 0.10% - $1,000 -
Santander Bank, N.A. 0.10% - $500 -
1st Summit Bank 0.09% - $100 -
Bank of America, National Association 0.07% 12 $2,000 -
Bank of America, National Association 0.05% - $1 -
Wells Fargo Bank, National Association 0.05% - $1 -
Fulton Bank, National Association 0.05% - $500 -
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.

  • Gary Ronan

    May 03, 2016

    Your not locked in for 5 years. You can take it out any time but you will lose interest for a specified term. My credit union which holds my Roth IRA will dun me 6 months interest but your not making much anyway.

  • 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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