You are viewing fixed rate ira rates across Pennsylvania

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 2, 2016

BANKS APY Term MIN MILES ?
Firstrust Savings Bank 2.25% 59 $2,500 -
The First National Bank of Mifflintown 2.12% 99 $1,000 -
The Juniata Valley Bank 2.01% 90 $1,000 -
S&T Bank 2.00% 60 $1,000 -
National Penn Bank 2.00% 58 $500 -
The Juniata Valley Bank 1.85% 54 $1,000 -
The First National Bank of Mifflintown 1.81% 66 $1,000 -
First National Bank of Pennsylvania 1.75% 61 $500 -
Kish Bank 1.66% 60 $2,000 -
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 -
First Niagara Bank, National Association 1.60% 60 $500 -
MileStone Bank 1.60% 24 $10,000 -
Community State Bank of Orbisonia 1.56% - $2,000 -
Lafayette Ambassador Bank 1.56% 60 $250 -
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 -
Monument Bank 1.50% 30 $500 -
S&T Bank 1.50% 24 $1,000 -
Wayne Bank 1.40% 48 $500 -
First Priority Bank 1.40% 30 $500 -
Firstrust Savings Bank 1.40% 60 $1,000 -
National Penn Bank 1.40% 34 $500 -
Marquette Savings Bank 1.36% 31 $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 -
First National Bank of Pennsylvania 1.35% 35 $500 -
Centric Bank 1.34% 25 $1,000 -
The First National Bank of Mifflintown 1.31% 27 $1 -
Ambler Savings Bank 1.30% 40 $1,000 -
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 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 1.25% 48 $100,000 -
Santander Bank, N.A. 1.25% 36 $500 -
Unity Bank 1.25% 45 $1,000 -
Branch Banking and Trust Company 1.25% 25 $1,000 -
Community First Bank 1.25% 39 $1 -
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 -
Elderton State Bank 1.25% 34 $50,000 -
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 -
Centric Bank 1.20% 23 $1,000 -
The Luzerne Bank 1.17% 17 $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 -
Landmark Community Bank 1.11% 18 $1,000 -
The Mars National Bank 1.11% 22 $1,000 -
ESSA Bank & Trust 1.10% 24 $1,000 -
Fox Chase Bank 1.10% 30 $500 -
First Commonwealth Bank 1.10% 13 $5,000 -
Elderton State Bank 1.10% 18 $50,000 -
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 -
Branch Banking and Trust Company 1.00% 18 $1,000 -
United Bank 1.00% 55 $500 -
Penn Liberty Bank 1.00% 33 $1,000 -
First Bank 1.00% - $500 -
Elderton State Bank 1.00% 18 $10,000 -
C&G Savings Bank 1.00% 13 $1,000 -
Wayne Bank 1.00% 18 $500 -
Phoenixville Federal Bank and Trust 1.00% 14 $1,000 -
MileStone Bank 1.00% 12 $10,000 -
First National Community Bank 1.00% 24 $1,000 -
First National Bank of Pennsylvania 1.00% 19 $500 -
Kish Bank 0.90% 24 $2,000 -
United Bank 0.90% 49 $500 -
Elderton State Bank 0.90% 18 $2,500 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.88% 36 $500 -
Penn Liberty Bank 0.85% 26 $750 -
Ambler Savings Bank 0.85% 18 $1,000 -
Conestoga Bank 0.85% - $500 -
Firstrust Savings Bank 0.85% 14 $2,500 -
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 Mars National Bank 0.80% 11 $1,000 -
United Bank 0.80% 43 $500 -
The Farmers National Bank of Emlenton 0.80% 24 $5,000 -
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 -
Wayne Bank 0.75% 7 $500 -
Lafayette Ambassador Bank 0.75% 30 $1,000 -
Monument Bank 0.75% - $500 -
Royal Bank America 0.75% - $1,000 -
Ambler Savings Bank 0.75% - $1,000 -
The Victory Bank 0.75% - $500 -
Enterprise Bank 0.75% - $500 -
First CornerStone Bank 0.75% - $1,000 -
United Bank 0.70% 37 $500 -
Wayne Bank 0.70% 7 $500 -
Northwest Bank 0.70% 36 $500 -
Univest Bank and Trust Co. 0.70% - $500 -
C&G Savings Bank 0.70% - $100 -
First Priority Bank 0.65% - $500 -
Northwest Bank 0.65% 36 $500 -
Firstrust Savings Bank 0.65% 35 $1,000 -
Brentwood Bank 0.65% - $2,000 -
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 -
Parke Bank 0.60% - $500 -
Customers Bank 0.60% - $500 -
MileStone Bank 0.60% 6 $10,000 -
Northwest Bank 0.60% 36 $500 -
Univest Bank and Trust Co. 0.55% - $5 -
Iron Workers Savings Bank 0.55% - $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 -
Citizens & Northern Bank 0.55% - $1,000 -
Slovenian Savings and Loan Association of Franklin-Conemaugh 0.50% 13 $100,000 -
NBT Bank, National Association 0.50% - $1,000 -
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 -
Prudential Savings Bank 0.50% 13 $250 -
First National Community Bank 0.50% - $1,000 -
Penn Liberty Bank 0.50% - $750 -
Manufacturers and Traders Trust Company 0.50% 24 $1 -
Lafayette Ambassador Bank 0.50% 18 $1,000 -
Asian Bank 0.50% - $1,000 -
Hatboro Federal Savings, FA 0.50% - $1,000 -
Republic Bank 0.50% - $500 -
Allegheny Valley Bank of Pittsburgh 0.50% 18 $2,500 -
William Penn Bank 0.50% - $1,000 -
ESSA Bank & Trust 0.50% - $1,000 -
Wells Fargo Bank, National Association 0.50% 58 $2,500 -
West View Savings Bank 0.50% 18 $5,000 -
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 -
Northwest Bank 0.45% 18 $500 -
Peoples Security Bank and Trust Company 0.45% - $1,000 -
First Columbia Bank & Trust Co. 0.45% - $100 -
Fidelity Savings and Loan Association of Bucks Co 0.40% - $500 -
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 -
Somerset Trust Company 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 -
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 -
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 -
QNB Bank 0.35% - $500 -
Marquette Savings Bank 0.35% - $500 -
Howard Bank 0.35% - $500 -
Northwest Bank 0.35% 12 $500 -
First United National Bank 0.35% - $50 -
The Andover Bank 0.35% - $1,000 -
Woodlands Bank 0.35% - $250 -
CNB Bank 0.35% - $2,000 -
The Juniata Valley Bank 0.35% - $1,000 -
Mifflin County Savings Bank 0.35% - $1,000 -
Clarion County Community Bank 0.35% - $500 -
Indiana First Savings Bank 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 -
Northwest Bank 0.30% 12 $500 -
First National Bank of Pennsylvania 0.30% - $500 -
United Bank 0.30% 13 $500 -
Wells Fargo Bank, National Association 0.30% 39 $2,500 -
Bank of Bird-in-Hand 0.30% - $500 -
Jim Thorpe Neighborhood Bank 0.25% - $500 -
TD Bank, National Association 0.25% - $250 -
Union Community Bank 0.25% - $500 -
The Ephrata National Bank 0.25% - $500 -
Washington Financial Bank 0.25% - $500 -
Elderton State Bank 0.25% - $1,000 -
Firstrust Savings Bank 0.25% 9 $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 -
Marion Center Bank 0.25% - $500 -
First National Bank and Trust Company of Newtown 0.25% - $500 -
PS Bank 0.25% - $500 -
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 -
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 -
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania 0.20% - $100 -
Dollar Bank, Federal Savings Bank 0.20% - $500 -
The Farmers National Bank of Canfield 0.20% - $100 -
United Bank 0.20% 7 $500 -
Wells Fargo Bank, National Association 0.16% 24 $1 -
First Commonwealth Bank 0.15% - $500 -
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 -
PNC Bank, National Association 0.15% - $1,000 -
The Huntington National Bank 0.15% 7 $1 -
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 Citizens Community Bank 0.15% - $250 -
MB Financial Bank, National Association 0.15% - $1,000 -
Northwest Bank 0.15% - $500 -
NEXTIER BANK, NATIONAL ASSOCIATION 0.15% - $500 -
Woodforest National Bank 0.15% - $500 -
PNC Bank, National Association 0.13% - $1,000 -
The Luzerne Bank 0.12% - $200 -
Firstrust Savings Bank 0.10% - $1,000 -
PNC Bank, National Association 0.10% - $1,000 -
Jersey Shore State Bank 0.10% - $200 -
The Mars National Bank 0.10% - $1,000 -
United Bank 0.10% 3 $500 -
Orrstown Bank 0.10% - $2,000 -
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 Turbotville National Bank 0.10% - $500 -
Santander Bank, N.A. 0.10% - $500 -
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 -
1st Summit Bank 0.09% - $100 -
Bank of America, National Association 0.07% 12 $2,000 -
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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