Best 4-Year CD Rates in Pennsylvania, PA

You are viewing rates from banks across Pennsylvania

Below are four-year CD Rates from banks in Pennsylvania . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

PA - November 2, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Prime Alliance Bank	3.90%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.75% → 3.50% → 3.75% → 4.00% → 3.90%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Goldman Sachs Bank	3.85%	$500	-	Learn More Add Review
Rate History: 3.85% → 3.60% → 3.75% → 3.85% → 3.85%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Bread Savings, a division of Bread Financial	3.75%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.50% → 3.90% → 4.00% → 3.85% → 3.75%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
First Resource Bank First Resource Bank Branch	3.75%	$500	-	Learn More Add Review
Quaint Oak Bank Quaint Oak Bank Branch	3.75%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.00% → 3.75%
Popular Direct	3.70%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.10% → 3.90% → 3.80% → 3.70%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Merrick Bank	3.60%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 3.85% → 4.05% → 3.90% → 3.75% → 3.60%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
First Internet Bank of Indiana	3.56%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.03% → 3.62% → 3.60% → 3.97% → 3.56%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 3.40% → 3.50% → 3.60% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 3.75% → 3.55% → 3.50% → 3.60% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 3.75% → 3.55% → 3.50% → 3.60% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Seattle Bank	3.50%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.20% → 4.05% → 3.80% → 3.70% → 3.50%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Beal Bank Bethel Park Branch	3.45%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
Beal Bank USA Philadelphia Branch	3.45%	$1,000	-	Learn More
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
TIAA Bank / Everbank	3.40%	$1,000	-	Learn More Add Review
Rate History: 3.90% → 3.70% → 3.45% → 3.50% → 3.40%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
American Express Bank, FSB	3.35%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60% → 3.35%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
S&T Bank Allentown Boulevard Branch	3.25%	$500	-	Learn More
Rate History: 3.00% → 3.25%
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Northern Bank Direct	3.25%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.25%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Mid Penn Bank Frackville Office Branch	3.20%	$500	-	Learn More Add Review
Rate History: 4.05% → 3.20%
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.20% → 3.50% → 3.00% → 3.25% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Gateway First Bank	2.90%	$500	-	Learn More
Rate History: 3.00% → 3.40% → 2.90%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
SSB Bank SSB Bank Branch	2.77%	$500	-	Learn More Add Review
Rate History: 2.77% → 1.81% → 2.77%
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
2 Months with Vio Bank \| Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Citizens Http:/Www.Citizensbank.com/ Branch	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Marquette Savings Bank 953 South Main Street Branch	2.52%	$500	-	Learn More
beaglemanduke@gmail.com \| Sep 27, 2019 I use Marquette bank in Meadville on park avenue. and I use Marquette bank on rt 322 both of these banks have great mangers Dawn at park avenue and Kelly at rt 322 there tellers are the best Read More Reviews (1)
The Farmers National Bank of Canfield Midland Branch	2.50%	$500	-	Learn More Add Review
Rate History: 0.30% → 2.50%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
BMO Alto, a division of Bank of Montreal Harris	2.10%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 3.80% → 3.50% → 2.75% → 2.35% → 2.10%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citibank, National Association Citibank, National Association Branch	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Philadelphia Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
United Bank Uniontown Branch	1.90%	$500	-	Learn More
Jimleestro \| Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More Reviews (1)
Hyperion Bank Hyperion Bank Branch	1.75%	$500	-	Learn More Add Review
Rate History: 1.95% → 1.75%
City National Bank of Los Angeles. California	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Woodforest National Bank 0295 Coal Township Walmart Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More
Rate History: 2.50% → 1.50% → 1.25%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Coatesville Savings Bank New Holland Branch	1.25%	$10,000	-	Learn More Add Review
Hatboro Federal Savings, FA Warminster Branch	1.25%	$1,000	-	Learn More Add Review
Second Federal Savings and Loan Association of Philadelphia Second Federal Savings And Loan Asso Branch	1.20%	$10,000	-	Learn More Add Review
Hometown Bank of Pennsylvania Hometown Bank Of Pennsylvania Branch	1.16%	$10,000	-	Learn More Add Review
Somerset Trust Company Somerset Plaza Branch	1.15%	$10,000	-	Learn More Add Review
The Victory Bank The Victory Bank Branch	1.10%	$10,000	-	Learn More Add Review
Port Richmond Savings Port Richmond Savings Branch	1.10%	$500	-	Learn More Add Review
Susquehanna Community Bank West Milton State Bank Branch	1.05%	$500	-	Learn More
Seth B Glover \| Aug 10, 2019 I did not appreciate getting pulled into the 2.53% offer on $100k only to have the rate lowered by the time I finally got the money in. Read More Reviews (1)
The Turbotville National Bank The Turbotville National Bank Branch	1.05%	$10,000	-	Learn More
Annonomous \| May 30, 2021 U would think after a person is a customer for a great many years they would help them in the case of fraud nope they close everything down on you and don't tell you way to go that's real customer service ... Read More Reviews (1)
Parke Bank Spruce Street Branch	1.05%	$500	-	Learn More
Savvysaver \| Nov 9, 2020 Here's what you will need: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating "Zip code is not valid for this ap... Read More Reviews (2)
Fulton Bank, National Association Fulton Bank, National Association Branch	1.01%	$1,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Univest Bank and Trust Co. Mount Airy Branch	1.00%	$500	-	Learn More Add Review
Rate History: 0.55% → 1.00%
Bank of Montreal Harris	1.00%	$1,000	-	Learn More Add Review
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
CNB Bank Cnb Bank Branch	1.00%	$10,000	-	Learn More Add Review
Woodlands Bank Halls Station Office Branch	1.00%	$10,000	-	Learn More Add Review
Armstrong County Building and Loan Association Armstrong County Building And Loan A Branch	1.00%	$10,000	-	Learn More Add Review
Reliance Savings Bank Tyrone Branch	1.00%	$10,000	-	Learn More Add Review
PennCrest Bank Patton Plaza Branch	1.00%	$10,000	-	Learn More Add Review
Milton Savings Bank Milton Savings Bank Branch	1.00%	$10,000	-	Learn More Add Review
The National Bank of Malvern The National Bank Of Malvern Branch	1.00%	$10,000	-	Learn More Add Review
Asian Bank Asian Bank Branch	1.00%	$10,000	-	Learn More Add Review
Mifflinburg Bank and Trust Company Lewisburg Branch	0.95%	$5,000	-	Learn More Add Review
The Dime Bank Lake Region Office Branch	0.90%	$10,000	-	Learn More Add Review
Ameriserv Financial Bank Lovell Park Branch	0.90%	$10,000	-	Learn More Add Review
Unity Bank Forks Township Branch	0.90%	$10,000	-	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania North Lebanon Township Branch	0.90%	$10,000	-	Learn More Add Review
Ambler Savings Bank Bally Br Branch	0.90%	$10,000	-	Learn More
mmcglade89 \| Aug 11, 2021 I had been using Ambler Savings for as long as I can remember and never had any issues with them until around 2019. My card and account were constantly being frozen and I had to call to have it unfrozen. W... Read More Reviews (1)
First Bank Warminster Branch	0.90%	$10,000	-	Learn More
SAM \| May 24, 2021 Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More Reviews (2)
Sharon Bank Springfield & Brookside Roads Branch	0.90%	$10,000	-	Learn More Add Review
Iron Workers Savings Bank Iron Workers Savings Bank Branch	0.90%	$10,000	-	Learn More Add Review
United Savings Bank 10th Street Branch	0.90%	$10,000	-	Learn More Add Review
Elderton State Bank Rural Valley Branch	0.85%	$100,000	-	Learn More Add Review
Harleysville Bank Lansdale Branch	0.85%	$10,000	-	Learn More
Keith Wright \| Aug 23, 2016 Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More Reviews (1)
Mercer County State Bank Jackson Township Branch	0.80%	$100,000	-	Learn More Add Review
First Citizens Community Bank Le Raysville Branch	0.80%	$100,000	-	Learn More Add Review
First United National Bank First United National Bank Branch	0.80%	$500	-	Learn More Add Review
First Columbia Bank & Trust Co. Buckhorn Wm Office Branch	0.80%	$10,000	-	Learn More Add Review
The Gratz Bank West Market Street Branch	0.80%	$10,000	-	Learn More Add Review
Phoenixville Federal Bank and Trust Collegeville Branch	0.80%	$500	-	Learn More Add Review
First National Bank and Trust Company of Newtown Wrightstown Branch	0.80%	$10,000	-	Learn More Add Review
1st Summit Bank Cresson Branch	0.76%	$10,000	-	Learn More
Rriordan75 \| Jan 18, 2020 I and my colleagues have all had trouble with our travelers debit prepaid cards. Right now I'm in the middle of trying to get ahold of a customer representative because the card shows that there's money on... Read More Reviews (1)
Slovenian Savings and Loan Association of Franklin-Conemaugh Hostetler Branch	0.75%	$100,000	-	Learn More Add Review
Fleetwood Bank Fleetwood Bank Branch	0.75%	$500	-	Learn More Add Review
Wilmington Savings Fund Society, FSB Wayne Branch	0.75%	$2,500	-	Learn More
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
Mercer County State Bank Jackson Township Branch	0.75%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Wysox Branch	0.75%	$100,000	-	Learn More Add Review
Marion Center Bank Clymer Branch	0.75%	$10,000	-	Learn More Add Review
First Keystone Community Bank Mifflinville Branch	0.75%	$100,000	-	Learn More Add Review
Citizens Savings Bank Center City Branch	0.75%	$10,000	-	Learn More Add Review
CFSBANK 919 Main St Branch	0.75%	$10,000	-	Learn More
Regular guy \| Mar 24, 2023 I have never been treated so poorly in all the banks ive been in i went there to ask about buying change the girl acted like she never heard of rolled coins before and really made me feel as though i shou... Read More Reviews (1)
Elderton State Bank Rural Valley Branch	0.75%	$10,000	-	Learn More Add Review
Apollo Trust Company North Washington Branch	0.75%	$10,000	-	Learn More Add Review
Investment Savings Bank Investment Savings Bank Branch	0.75%	$10,000	-	Learn More Add Review
Jim Thorpe Neighborhood Bank Penn Forest Branch	0.75%	$10,000	-	Learn More Add Review
Community State Bank of Orbisonia Waterfall Branch	0.75%	$500	-	Learn More Add Review
First National Bank of Pennsylvania Palmyra Branch	0.70%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
NBT Bank, National Association Lords Valley Branch	0.70%	$10,000	-	Learn More Add Review
The Honesdale National Bank Kingston Branch	0.70%	$10,000	-	Learn More Add Review
First Keystone Community Bank Mifflinville Branch	0.70%	$10,000	-	Learn More Add Review
Wayne Bank Wayne Bank Branch	0.70%	$10,000	-	Learn More
MoonShadows Farm \| Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More Reviews (1)
First Northern Bank and Trust Company Blakeslee Branch	0.70%	$10,000	-	Learn More Add Review
Embassy Bank for the Lehigh Valley West Broad Street Branch	0.70%	$10,000	-	Learn More
Carly \| Jul 14, 2018 Excellent customer service Read More Reviews (1)
Enterprise Bank Enterprise Bank Branch	0.70%	$10,000	-	Learn More Add Review
Penn Community Bank Chelten Hills Savings Bank Branch	0.70%	$10,000	-	Learn More
Rk \| Feb 22, 2023 Where to begin with this ghetto bank? You make a cash deposit but you can't make a withdraw the same day. You make a deposit and it doesn't show up until the next day. You're limited to a low atm amount e... Read More Reviews (2)
QNB Bank Qnb-Online Internet Banking Branch	0.70%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc. 900 5th Ave Branch	0.65%	$10,000	-	Learn More Add Review
Washington Financial Bank Tylerdale Branch	0.65%	$10,000	-	Learn More Add Review
ACNB Bank South Hanover Branch	0.65%	$10,000	-	Learn More Add Review
Meridian Bank Meridian Bank Branch	0.65%	$10,000	-	Learn More Add Review
The Neffs National Bank The Neffs National Bank Branch	0.65%	$10,000	-	Learn More Add Review
American Bank of Allentown American Bank Branch	0.65%	$10,000	-	Learn More Add Review
Kish Bank Mill Creek Branch	0.64%	$10,000	-	Learn More
smalltowngirl \| Mar 9, 2018 I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go thro... Read More Reviews (1)
Slovenian Savings and Loan Association of Franklin-Conemaugh Hostetler Branch	0.63%	$10,000	-	Learn More Add Review
The Juniata Valley Bank Lillibridge Place Branch	0.60%	$10,000	-	Learn More
Jeffery Bailey \| Apr 4, 2016 It is sad to see FNBPA being taken over by Juniata. The name Juniata has no affinity with Port Allegany history. I am closing my account. Read More Reviews (1)
PS Bank Ps Bank Branch	0.60%	$10,000	-	Learn More Add Review
First Citizens Community Bank Le Raysville Branch	0.60%	$10,000	-	Learn More Add Review
InFirst Bank Infirst Bank Branch	0.60%	$10,000	-	Learn More Add Review
The Fidelity Deposit and Discount Bank Morgan Highway Branch	0.60%	$100,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg South Mountain Branch	0.60%	$10,000	-	Learn More Add Review
MCS Bank Mcclure Branch	0.60%	$1,000	-	Learn More Add Review
United Bank of Philadelphia Corporate Headquarters Branch	0.60%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Wysox Branch	0.55%	$10,000	-	Learn More Add Review
Chemung Canal Trust Company Canton Branch	0.55%	$10,000	-	Learn More Add Review
Mauch Chunk Trust Company Pine Point Plaza Branch	0.55%	$10,000	-	Learn More Add Review
Abacus Federal Savings Bank Philadelphia Branch	0.55%	$1,000	-	Learn More Add Review
New Tripoli Bank New Tripoli Bank Branch	0.50%	$500	-	Learn More Add Review
The Andover Bank The Andover Bank Branch	0.50%	$1,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
The Huntington National Bank The Huntington National Bank Branch	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Dollar Bank, Federal Savings Bank Monroeville Branch	0.50%	$10,000	-	Learn More Add Review
West View Savings Bank West View Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Brentwood Bank South Park Shops Office Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Bird-in-Hand Bank Of Bird-In-hand Branch	0.50%	$10,000	-	Learn More Add Review
First Commonwealth Bank Meadows Branch	0.45%	$10,000	-	Learn More Add Review
Altoona First Savings Bank 601 East Allegheny Street Branch	0.45%	$1,000	-	Learn More Add Review
Old Dominion National Bank	0.45%	$10,000	-	Learn More Add Review
The Bank of Princeton Arch Street Branch	0.45%	$500	-	Learn More
Donna \| Nov 1, 2022 This local community bank “by far” exceeded my expectations of what a banking institution should be. They take the time to understand their customers needs, educatedly answer questions, and take the ti... Read More Reviews (1)
Peoples Security Bank and Trust Company Meshoppen Branch	0.40%	$1,000	-	Learn More Add Review
First Commonwealth Bank Meadows Branch	0.40%	$10,000	-	Learn More Add Review
NEXTIER BANK, NATIONAL ASSOCIATION Oakland Branch	0.40%	$10,000	-	Learn More Add Review
Community Bank Uniontown Branch	0.40%	$10,000	-	Learn More Add Review
Orrstown Bank New Bloomfield Branch Drive-In Facil	0.40%	$10,000	-	Learn More Add Review
First Commonwealth Bank Meadows Branch	0.35%	$10,000	-	Learn More Add Review
The Ephrata National Bank Hinkletown Branch	0.30%	$100,000	-	Learn More Add Review
Northwest Bank Northwest Bank Branch	0.28%	$10,000	-	Learn More Add Review
Tompkins Community Bank	0.25%	$1,000	-	Learn More Add Review
Community Bank, National Association Lawton Branch	0.25%	$100,000	-	Learn More Add Review
The Ephrata National Bank Hinkletown Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
Jeff Talmage \| Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More
Community Bank, National Association Lawton Branch	0.20%	$10,000	-	Learn More Add Review
Commercial Bank and Trust of PA Pleasant Unity Branch	0.20%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Firstrust Savings Bank Firstrust Savings Bank Branch	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association Kresgeville Branch	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association Slippery Rock University Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Peddler's Village Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Fifth Third Bank, National Association Cranberry Banking Center Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
First Resource Bank First Resource Bank Branch	800 N. Pottstown Pike	Exton	PA
Quaint Oak Bank Quaint Oak Bank Branch	501 Knowles Avenue	Southampton	PA
Monet Bank Bethel Park Branch	1680 Washington Road, Suite 100	Pittsburgh	PA
Beal Bank USA Philadelphia Branch	150 Allendale Road, Bldg. 3 Suie 300	King Of Prussia	PA
S&T Bank Allentown Boulevard Branch	6085 Allentown Boulevard	Harrisburg	PA
Mid Penn Bank Frackville Office Branch	504 South Lehigh Avenue	Frackville	PA
SSB Bank SSB Bank Branch	2470 California Avenue	Pittsburgh	PA
Citizens Http:/Www.Citizensbank.com/ Branch	Direct Bank Deposit Support Po Box 535857	Pittsburgh	PA
Marquette Savings Bank 953 South Main Street Branch	953 South Main Street	Meadville	PA
The Farmers National Bank of Canfield Midland Branch	629 Midland Avenue	Midland	PA
Citibank, National Association Citibank, National Association Branch	1818 Market Street, 27th Floor	Philadelphia	PA
JPMorgan Chase Bank, National Association Philadelphia Branch	1650 Market Street, 47th & 52nd Floor	Philadelphia	PA
United Bank Uniontown Branch	81 W Main Street	Uniontown	PA
Hyperion Bank Hyperion Bank Branch	199 West Girard Avenue	Philadelphia	PA
Woodforest National Bank 0295 Coal Township Walmart Branch	9300 State Route 61	Coal Township	PA
Presence Bank New Holland Branch	695 West Main Street	New Holland	PA
Hatboro Federal Savings, FA Warminster Branch	York And Street Roads	Warminster	PA
Second Federal Savings and Loan Association of Philadelphia Second Federal Savings And Loan Asso Branch	1727 Chestnut Street	Philadelphia	PA
Hometown Bank of Pennsylvania Hometown Bank Of Pennsylvania Branch	638 East Pitt Street	Bedford	PA
Somerset Trust Company Somerset Plaza Branch	R.D. 2, Route 601	Somerset	PA
The Victory Bank The Victory Bank Branch	548 North Lewis Road	Limerick	PA
Port Richmond Savings Port Richmond Savings Branch	2522 East Allegheny Avenue	Philadelphia	PA
Susquehanna Community Bank West Milton State Bank Branch	940 High Street	West Milton	PA
The Turbotville National Bank The Turbotville National Bank Branch	4710 State Route 54	Turbotville	PA
Parke Bank Spruce Street Branch	1610 Spruce Street	Philadelphia	PA
Fulton Bank, National Association Fulton Bank, National Association Branch	One Penn Square, P.O. Box 4887	Lancaster	PA
Univest Bank and Trust Co. Mount Airy Branch	7226 Germantown Avenue	Philadelphia	PA
CNB Bank Cnb Bank Branch	One South Second Street	Clearfield	PA
Woodlands Bank Halls Station Office Branch	973 Lycoming Mall Drive	Pennsdale	PA
Armstrong County Building and Loan Association Armstrong County Building And Loan A Branch	935 Fifth Avenue	Ford City	PA
Reliance Savings Bank Tyrone Branch	916 Pennsylvania Ave	Tyrone	PA
PennCrest Bank Patton Plaza Branch	433 Railroad Ave	Patton	PA
Milton Savings Bank Milton Savings Bank Branch	80 Broadway	Milton	PA
The National Bank of Malvern The National Bank Of Malvern Branch	King And Warren Streets	Malvern	PA
Asian Bank Asian Bank Branch	815-837 Arch Street	Philadelphia	PA
Central Penn Bank & Trust Lewisburg Branch	Route 192 And Fairground Road	Lewisburg	PA
The Dime Bank Lake Region Office Branch	99 Welwood Avenue	Hawley	PA
Ameriserv Financial Bank Lovell Park Branch	179 Lovell Avenue	Ebensburg	PA
Unity Bank Forks Township Branch	1700 Sullivan Trail	Easton	PA
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania North Lebanon Township Branch	1725 Route 72	Lebanon	PA
Ambler Savings Bank Bally Br Branch	323 Main Street	Bally	PA
First Bank Warminster Branch	356 York Road	Warminster	PA
Sharon Bank Springfield & Brookside Roads Branch	Springfield & Brookside Roads	Springfield	PA
Iron Workers Savings Bank Iron Workers Savings Bank Branch	3333 Concord Road	Aston	PA
United Savings Bank 10th Street Branch	732 South 10th Street	Philadelphia	PA
Elderton State Bank Rural Valley Branch	State Route 85 And Water Street	Rural Valley	PA
Harleysville Bank Lansdale Branch	640 East Main Street	Lansdale	PA
Mercer County State Bank Jackson Township Branch	811 Franklin Road	Mercer	PA
First Citizens Community Bank Le Raysville Branch	960 Main Street	Le Raysville	PA
First United National Bank First United National Bank Branch	Routes 157 And 208	Fryburg	PA
Journey Bank Buckhorn Wm Office Branch	Wal-Mart Supercenter, 100 Lunger Drive	Bloomsburg	PA
LINKBANK West Market Street Branch	2221 West Market Street	Pottsville	PA
Phoenixville Federal Bank and Trust Collegeville Branch	74 Second Avenue	Collegeville	PA
First National Bank and Trust Company of Newtown Wrightstown Branch	2607 Windy Bush Road	Newtown	PA
1st Summit Bank Cresson Branch	7538 Admiral Peary Highway	Cresson	PA
Slovenian Savings and Loan Association of Franklin-Conemaugh Hostetler Branch	95 Hostetler Road	Johnstown	PA
Fleetwood Bank Fleetwood Bank Branch	Main And Franklin Streets	Fleetwood	PA
Wilmington Savings Fund Society, FSB Wayne Branch	724 W Lancaster Ave Ste 110	Wayne	PA
Mercer County State Bank Jackson Township Branch	811 Franklin Road	Mercer	PA
Citizens & Northern Bank Wysox Branch	Us Routes 6 & 309 & State Route 187	Wysox Township	PA
Marion Center Bank Clymer Branch	750 Franklin Street	Clymer	PA
First Keystone Community Bank Mifflinville Branch	Third And Race Streets	Mifflinville	PA
Citizens Savings Bank Center City Branch	Lackawanna And Wyoming Avenues	Scranton	PA
CFSBANK 919 Main St Branch	919 Main St	Bentleyville	PA
Elderton State Bank Rural Valley Branch	State Route 85 And Water Street	Rural Valley	PA
Apollo Trust Company North Washington Branch	697 Sportsman Drive	Apollo	PA
Investment Savings Bank Investment Savings Bank Branch	1201 Eighth Avenue	Altoona	PA
Jim Thorpe Neighborhood Bank Penn Forest Branch	Route 903, Penn Forest Township, Star Route	Jim Thorpe	PA
Community State Bank of Orbisonia Waterfall Branch	Routes 655 And 913	Waterfall	PA
First National Bank of Pennsylvania Palmyra Branch	903 East Main Street	Palmyra	PA
NBT Bank, National Association Lords Valley Branch	114 Village Center Drive	Lords Valley	PA
The Honesdale National Bank Kingston Branch	786 Wyoming Ave	Kingston	PA
First Keystone Community Bank Mifflinville Branch	Third And Race Streets	Mifflinville	PA
Wayne Bank Wayne Bank Branch	717 Main Street	Honesdale	PA
First Northern Bank and Trust Company Blakeslee Branch	342 Route 940	Blakeslee	PA
Embassy Bank for the Lehigh Valley West Broad Street Branch	925 W. Broad Street	Bethlehem	PA
Enterprise Bank Enterprise Bank Branch	4091 Mount Royal Boulvard	Allison Park	PA
Penn Community Bank Chelten Hills Savings Bank Branch	2 Hidden Lane	Abington	PA
QNB Bank Qnb-Online Internet Banking Branch	Www.Qnbbank.com	Quakertown	PA
WesBanco Bank, Inc. 900 5th Ave Branch	900 5th Ave	Coraopolis	PA
Washington Financial Bank Tylerdale Branch	98 E. Wylie Avenue	Washington	PA
ACNB Bank South Hanover Branch	865 Baltimore Street	Hanover	PA
Meridian Bank Meridian Bank Branch	1776 E. Lancaster Avenue	Paoli	PA
The Neffs National Bank The Neffs National Bank Branch	5629 Pennsylvania Route 873	Neffs	PA
American Bank of Allentown American Bank Branch	4029 West Tilghman Street	Allentown	PA
Kish Bank Mill Creek Branch	12522 William Penn Highway	Mill Creek	PA
Slovenian Savings and Loan Association of Franklin-Conemaugh Hostetler Branch	95 Hostetler Road	Johnstown	PA
The Juniata Valley Bank Lillibridge Place Branch	52 West Mill Street	Port Allegany	PA
PS Bank Ps Bank Branch	Route 6 East	Wyalusing	PA
First Citizens Community Bank Le Raysville Branch	960 Main Street	Le Raysville	PA
InFirst Bank Infirst Bank Branch	935 Philadelphia Street	Indiana	PA
The Fidelity Deposit and Discount Bank Morgan Highway Branch	Morgan Highway, State Route 307	Clarks Summit	PA
Farmers and Merchants Trust Company of Chambersburg South Mountain Branch	South Mountain Restoration Center	South Mountain	PA
MCS Bank Mcclure Branch	Brown And Specht Streets	Mclure	PA
United Bank of Philadelphia Corporate Headquarters Branch	30 South 15th Street, Suite 1200	Philadelphia	PA
Citizens & Northern Bank Wysox Branch	Us Routes 6 & 309 & State Route 187	Wysox Township	PA
Chemung Canal Trust Company Canton Branch	5 West Main Street	Canton	PA
Mauch Chunk Trust Company Pine Point Plaza Branch	11 Pa 903	Albrightsville	PA
Abacus Federal Savings Bank Philadelphia Branch	147-151 North 10th Street	Philadelphia	PA
New Tripoli Bank New Tripoli Bank Branch	Market And Madison Streets	New Tripoli	PA
The Andover Bank The Andover Bank Branch	Route 20	West Springfield	PA
The Huntington National Bank The Huntington National Bank Branch	3214 Wilmington Ave	New Castle	PA
Dollar Bank, Federal Savings Bank Monroeville Branch	Miracle Mile Shopping Center	Monroeville	PA
West View Savings Bank West View Savings Bank Branch	9001 Perry Highway	Pittsburgh	PA
Brentwood Bank South Park Shops Office Branch	5259 Library Road	Bethel Park	PA
Bank of Bird-in-Hand Bank Of Bird-In-hand Branch	309 North Ronks Road	Bird In Hand	PA
First Commonwealth Bank Meadows Branch	Rt 220 And North Juniata St	Hollidaysburg	PA
Altoona First Savings Bank 601 East Allegheny Street Branch	601 East Allegheny Street	Martinsburg	PA
The Bank of Princeton Arch Street Branch	921 Arch Street	Philadelphia	PA
Peoples Security Bank and Trust Company Meshoppen Branch	U.S. Route 6	Meshoppen	PA
First Commonwealth Bank Meadows Branch	Rt 220 And North Juniata St	Hollidaysburg	PA
NEXTIER BANK, NATIONAL ASSOCIATION Oakland Branch	3455 Forbes Ave	Pittsburgh	PA
Community Bank Uniontown Branch	545 West Main Street	Uniontown	PA
Orrstown Bank New Bloomfield Branch Drive-In Facil	Barnett Woods Road And Mcclure Street	New Bloomfield	PA
First Commonwealth Bank Meadows Branch	Rt 220 And North Juniata St	Hollidaysburg	PA
The Ephrata National Bank Hinkletown Branch	935 N. Railroad Avenue	New Holland	PA
Northwest Bank Northwest Bank Branch	Second At Liberty	Warren	PA
Community Bank, National Association Lawton Branch	3540 State Route 706	Lawton	PA
The Ephrata National Bank Hinkletown Branch	935 N. Railroad Avenue	New Holland	PA
Community Bank, National Association Lawton Branch	3540 State Route 706	Lawton	PA
Commercial Bank and Trust of PA Pleasant Unity Branch	Routes 130 And 981	Pleasant Unity	PA
Firstrust Savings Bank Firstrust Savings Bank Branch	Castor And Cottman Avenue	Philadelphia	PA
KeyBank National Association Kresgeville Branch	543 Interchange Rd	Kresgeville	PA
PNC Bank, National Association Slippery Rock University Branch	1 Morrow Way, Smith Student Center	Slippery Rock	PA
Bank of America, National Association Peddler's Village Branch	167 Carousel Lane	Lahaska	PA
Fifth Third Bank, National Association Cranberry Banking Center Branch	940 Shearton Drive	Mars	PA

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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Pennsylvania CD Rates – 4-Year

Branches Info around zip 10116

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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